Liv Cashback Credit CardEmirates NBD
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.49%
Foreign fee1.99%
Up to 2% cashback on all purchases
UAE credit cards for a salary of AED 5,000 or less
39 cards from 10 banks fit this group, based on the banks' own pages checked on 27 Sep 2026. The lowest annual fee among them is zero, on the Liv Cashback Credit Card from Emirates NBD. The lowest minimum salary any bank publishes for its cards is AED 5,000, so we found no published card for a salary of AED 3,000.
Order: lowest annual fee first (incl. VAT). No commercial deal affects the order.
Checked against the bank's own pages on 27 Sep 2026Liv Tamayaz Platinum Credit CardEmirates NBD
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.49%
Foreign fee1.99%
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
5 FAB Rewards per AED 1 online
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
4% back in SHARE points at Carrefour, MoE/City Centre malls and MAF experiences
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
15% back in FAB Rewards on du spending
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
Up to 0.5 TouchPoint per AED 1
TouchPoints Gold Credit Card (ADCB Islamic)ADCB · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
Up to 0.5 TouchPoint per AED 1
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
Up to 0.5 TouchPoint per AED 1
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
35% back as talabat credit on first 10 talabat orders a month
talabat ADCB Islamic CardADCB · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
35% back as talabat credit on first 10 talabat orders a month
Mashreq Al Islami Cashback Credit CardMashreq · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
5% cashback on dining
Mashreq Cashback Credit CardMashreq
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.85%
Foreign fee2.89%
5% cashback on dining
Prime Gold CardDubai Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee3.7%
0.6 Wala'a per AED 1; 1 on foreign currency spends
Prime Platinum CardDubai Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee3.7%
2.0 Wala'a per AED 1; 2.2 on foreign currency spends
ADIB Smiles Visa Classic CardADIB · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.75%
Foreign fee2.3%
5,000 Smiles points on sign up
RED Credit CardRAKBANK
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
Up to 1.5% cashback on local and international spends
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.85%
Foreign fee3.5%
Up to AED 135 cashback every month at selected merchants
Citi Simplicity Credit CardCitibank UAE
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee2.99%
Smiles Titanium MastercardSharjah Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
2 Smiles per AED 2 spent internationally
FAB Z CardFAB
Annual feeAED 105incl. VAT
Min. salaryAED 5,000
Monthly rate1.99%
Foreign fee0%
Up to 1 FAB Reward per AED 1
Cashback CardSharjah Islamic Bank · Islamic
Annual feeAED 199incl. VAT
Min. salaryAED 5,000
Monthly rate3.49%
Foreign fee2.5%
10% cashback on online and digital-wallet spends
Consumer Cashback Reward CardDubai Islamic Bank · Islamic
Annual feeAED 210incl. VAT
Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee3.7%
3% cashback on supermarkets, school fees, fuel, utilities, telecom, auto servicing, Salik/Nol
Annual feeAED 262.5incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
10% back as Shukrans at Shukran brands
Shukran ADCB Islamic CardADCB · Islamic
Annual feeAED 262.5incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
10% back as Shukrans at Shukran brands
Platinum Plus Credit CardMashreq
Annual feeAED 313.95incl. VAT
Min. salaryAED 5,000
Monthly rate3.85%
Foreign fee2.89%
10 Vantage points per AED on supermarket, fuel and dining
Annual feeAED 315incl. VAT
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
15% back in ADNOC points on ADNOC fuel
Annual feeAED 315incl. VAT
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
5% cashback on fashion shopping and dining
FAB Cashback Islamic Credit CardFAB · Islamic
Annual feeAED 315incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign fee2.61%
5% cashback on groceries, fuel and dining
Annual feeAED 315incl. VAT
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
5 FAB Rewards per AED 1 on sports spending
Annual feeAED 383.25incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
6% cashback on dining
ADCB Islamic 365 Cashback CardADCB · Islamic
Annual feeAED 383.25incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
6% cashback on dining
Annual feeAED 420incl. VAT
Min. salaryAED 5,000
Monthly rate3.85%
Foreign fee3.5%
Up to 10% cashback on bills, education, supermarkets and fuel
Annual feeAED 525incl. VAT
Min. salaryAED 5,000
Monthly rate3.85%
Foreign fee3.5%
10 Smiles points on Etisalat channels, Smiles app and elGrocer
Smiles World MastercardSharjah Islamic Bank · Islamic
Annual feeAED 525incl. VAT
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
3 Smiles per AED 2 spent internationally
Smiles World Elite MastercardSharjah Islamic Bank · Islamic
Annual feeAED 733.95incl. VAT
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
3 Smiles per AED 2 spent internationally
ADCB Islamic Touchpoint Platinum CardADCB · Islamic
Annual feeNot published
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
Up to 1 TouchPoint per AED 1
Annual feeNot published
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
Up to 1 TouchPoint per AED 1
Annual feeNot published
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
1.25% cashback on monthly spends of AED 5,000 or more
Annual feeNot published
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
1.75 AirRewards for every AED 5 spent