Navigating Credit Card Applications in the UAE

A credit card is a convenient financial tool for everyday spending, offering benefits like cashback, rewards, and flexible payments. In the UAE, credit cards are widely accepted and can build credit history if used responsibly. For expats and self-employed professionals, securing the right card involves understanding eligibility and perks like 0% balance transfer offers. Some cards even come with no annual fee for life, maximizing long-term savings.

Credit Cards for Expats and Self-Employed

UAE banks offer a range of cards tailored to different needs:

• Salaried Expats: Many credit cards require a minimum salary (often around AED 5,000)​. Applicants typically need proof of income and employment. Higher-tier cards or premium benefits usually require a higher salary.
• Self-Employed Applicants: Criteria are stricter. Banks often ask for a valid trade license and proof of steady business income. If you can’t meet requirements for a traditional credit card, consider business credit card products or alternatives like prepaid cards designed for entrepreneurs​.
• Specialized Benefits: Cards may offer tailored perks, e.g. travel miles or dining discounts. Compare features such as free airport lounge access, insurance, or loyalty points.

Key Features: 0% Balance Transfer and No-Fee Cards

• 0% Balance Transfer: Many issuers offer promotional 0% interest on balance transfers for a limited period. This allows you to move high-interest debt (e.g., from other cards) and pay it off interest-free. For example, the CBD Visa Platinum Card features a 0% balance transfer .
• Free-for-Life Credit Cards: Some cards charge no annual fee for life. For instance, Al Hilal’s Platinum Smart Covered card promises “free for life” . This means you won’t pay yearly fees as long as the card is active.

How Emirates Debt Consolidations Helps with Credit Cards

Our consultants guide you through selecting and applying for the best credit card. We can recommend cards suited to your profile, including options for self-employed applicants. We also help you leverage benefits such as 0% balance transfer and free-for-life cards. By understanding each card’s features and terms, we ensure you maximize rewards and minimize costs.

Get in touch to apply for a credit card through Emirates Debt Consolidations. Our team will assist with the paperwork and liaise with banks to simplify approval. Whether you need a card with low fees, rewards, or special offers, we can match you with the right product. For related info, check our guides on Personal Loans and Loan & Liability Consolidation.