Credit Card in UAE If you want to recognize the way to get a credit score card in UAE on 4000 profits then you have reached the proper place. A credit score card comes with cashback, rewards, and discount advantages. But you must meet the eligibility standards to get a credit score card in the UAE.
You need to be a UAE resident with a legitimate Emirates ID to use for a credit card in UAE. Whether you are an Emirati Citizen or an Expat, you could observe for a credit score card if you meet its minimum earnings, age, and different eligibility standards. Let us explore all of the credit cards to be had on AED 4000 profits.
Types of Credit Cards in UAE
There are unique sorts of credit score cards to be had in UAE.
- Rewards Credit Cards
- Cashback Credit Cards
- Travel Credit Cards
- Movies Credit Cards
- Internet Credit Cards
- Shopping Credit Cards
- Dining Credit Cards
- Family Credit Cards
Minimum Salary for a Credit Card in UAE
The minimum income to get a credit score card in UAE is AED 5000. The UAE Citizens and Expats can apply for a credit card if they have a stable monthly profit of AED 5000 or more.
The credit card advantages include movie tickets, purchasing vouchers, discounts, and cashback. If your revenue is better, you can get a credit card that offers the most blessings as in step with your usage.
Can I Get a Credit Card for 4000 Salary in UAE?
Yes, you can get a credit Card in UAE score card on 4000 earnings in UAE however you need to open a hard and fast deposit account with the bank. Some banks provide a credit score card on low salaries with a condition to open an FD account. If you agree to open an FD Account, the financial institution will come up with a credit score card on 4000 income.
The minimal salary required for a credit Card in UAE without FD is AED 5000. So, you can observe for a credit score card without developing FD in case your earnings are minimal AED 5000 in line with the month. In case your earnings are AED 4000 or much less, it is advocated to use a credit card against FD.
Eligibility Criteria to Get a Credit Card in UAE
There are a few precise eligibility criteria to get a credit Card in UAE score card in the United Arab Emirates. You should meet the standards to use a credit score card in UAE.
Minimum Salary:
- AED 5000 or More for Any Credit Card
- No Minimum Salary Condition for Credit Cards in Opposition to FD
Other Eligibility Criteria:
- Minimum Age: 21 Years
- Must be a UAE Resident
- A Valid Email and UAE Mobile Number
- Fixed Monthly Salary or Stable Monthly Income
- Good Credit History
- Good Credit Score
- Salary Transfer to Same Bank (Some banks have this condition)
Required Documents to Get a Credit Card in UAE
There are some important documents that you need to provide while you practice for a credit card in UAE. If you desire to apply, you must have all the required documents given below.
- Original Emirates ID and Its Certified Copy
- A Valid Address Proof
- A Valid Passport Copy
- Residence Visa Copy (for Expats)
- Latest Salary Certificate
How to Apply for a Credit Card in UAE on 4000 Salary
To use a credit score card in UAE on 4000 earnings, you need to go to your bank wherein you have got your profits account. You need to satisfy the financial institution worker and inform him/her that you need a credit card and talk about how the financial institution can offer it.
The financial institution employee will test your transaction records and credit score rating. Thereafter s/he’s going to test for creditt Card in UAE score cards against constant deposit (FD) for you. If there is a credit score card to be had, the bank employee will inform you approximately the offer and the way you may get it.
Based on the credit card offer to be had for you, you ought to observe for commencing an FD account first after which practice for a credit card in opposition to FD. It gives you double blessings as you will earn interest on FD and get cut price & cashback benefits on credit card.
So, it is a superb choice to get a credit score card against FD for employees with AED 4000 income in UAE.
Credit Card Fees & Charges
Most credit cards against FD include zero joining charges and 0 annual costs. But I strongly endorse you to check credit score card costs & charges thoroughly earlier than you apply for the identical.
The expenses and prices might also vary from one credit card to another. So, you want to test the Fees & Charges phase of your selected credit card at the time of applying for it.
How Much Credit Limit Will I Get?
Every credit card comes with a positive credit Card in UAE score restriction that you could use for buying and utility bill payments in a month. The financial institution makes a decision on credit score limit primarily based on your revenue and transactions for your financial institution account.
The financial institution does not monitor the credit score limit for any credit card in advance. It is discovered when the credit card is issued. So, you can realize your credit score restriction only whilst your card is issued with the aid of the financial institution.
Credit Card Bill and Minimum Payment
After you get a credit card, its statement will be generated on a set date every month. The declaration will display all the transactions you probably did for the month and the whole quantity as your credit score card bill. It additionally shows a minimal fee amount close to the bill quantity.
Here you have alternatives, you may both pay your credit score card invoice in full amount or pay the minimum price. If you choose the minimal payment, you want to split the ultimate amount in EMI and the financial institution will price interest on it.
Conclusion
In this manner, you may get a credit card in UAE on 4000 revenue. I have shared all vital information approximately the way to observe a credit score card, eligibility standards, files, and expenses & costs related to credit cards in UAE.
In case you have a query concerning your credit score card, you can contact your financial institution branch or call its helpline-wide variety. For greater info, check the frequently requested questions and their solutions given below.
Frequently Asked Questions:
What are the eligibility criteria for obtaining a credit card in the UAE?
A1. To be eligible for a credit card in the UAE, you must meet the following criteria:
- Minimum Salary: AED 5000 or more for any credit card, or no minimum salary condition for credit cards against FD.
- Minimum Age: 21 years.
- Must be a UAE resident.
- A valid email address and UAE mobile number.
- Fixed monthly salary or stable monthly income.
- Good credit history and credit score.
- Salary transfer to the same bank (some banks have this condition).
Can I get a credit card with a salary of AED 4000 in the UAE?
A2. Yes, you can obtain a credit card with a salary of AED 4000 in the UAE by opening a fixed deposit (FD) account with the bank. Some banks offer credit cards with low salaries on the condition of opening an FD account.
What types of credit cards are available in the UAE?
A3. Various types of credit cards are available in the UAE, including:
- Rewards Credit Cards
- Cashback Credit Cards
- Travel Credit Cards
- Movies Credit Cards
- Internet Credit Cards
- Shopping Credit Cards
- Dining Credit Cards
- Family Credit Cards
What documents are required to apply for a credit card in the UAE?
A4. When applying for a credit card in the UAE, you need to provide the following documents:
- Original Emirates ID and its certified copy.
- A valid address proof.
- A valid passport copy.
- Residence visa copy (for ex-pats).
- Latest salary certificate.
How do I apply for a credit card in the UAE with a salary of AED 4000?
A5. To apply for a credit card in the UAE with a salary of AED 4000, visit your bank where you hold your income account. Inform the bank representative of your interest in obtaining a credit card and discuss available options. The bank will assess your transaction history and credit score, and if eligible, they may offer a credit card against a fixed deposit (FD). You would need to apply for opening an FD account first and then apply for a credit card against the FD, providing you with dual benefits of interest earnings on the FD and discounts/cashback benefits on the credit card.
Maximize Your Savings: Discover the Best Cashback Credit Card in UAE
Looking to stretch your dirhams further? Say hello to the best cashback credit card options available in the UAE! These cards offer you the opportunity to earn cash rewards on your everyday purchases, making every swipe count.
Whether you’re grocery shopping, dining out, or fueling up your car, a cashback credit card can help you earn back a percentage of your spending. With a variety of cards to choose from, each offering unique benefits and rewards structures, finding the right one for your spending habits is essential.
From unlimited cashback offers to bonus rewards on specific categories, these cards cater to various lifestyles and preferences. Plus, many come with additional perks like travel insurance, lounge access, and exclusive discounts.
Ready to start earning while you spend? Explore the best cashback credit card options in the UAE at Khaleej UAE and take the first step towards maximizing your savings today.
