Applying for a credit card may look like a simple step, but behind that decision are checks most people don’t see. In the UAE, banks go through a list of conditions before saying yes to your request. Some of them are expected, like income. Others are often missed, such as your job status or past financial behaviour.
If you’ve started reading about the criteria for a credit card, you’ve probably seen salary numbers or age limits mentioned. But approval depends on more than that. Banks want to see that you can handle credit well, and that you’re not already stretching your limits.
Here are the top factors that decide whether your card application will be approved.
1. Your Monthly Earnings
One of the first things banks check is how much you earn each month. They need to be sure you can repay what you borrow. In the UAE, most entry-level credit cards ask for a minimum income, usually starting around AED 3,000. Some premium options ask for much more.
But it’s not only about crossing a salary line. Banks may look at how long you’ve been with your current employer, whether your income is stable, and if you receive it through an official payroll system.
2. Where You Work
Your company matters. Banks often have lists of approved employers. These are companies they trust for regular salary payments and job security. If you work with a well-known firm, especially one listed by the bank, your chances of approval go up.
If your company is new or not on the list, the bank may still consider your application. But they might ask for extra paperwork or take more time to process your request.
3. Your Credit History
This is one of the most serious checks. Before giving you more credit, banks look at how you’ve handled loans, cards, or payments in the past. Your credit report tells them if you’ve paid on time, missed bills, or borrowed too much.
Even if everything else looks good, a weak credit history can lead to rejection. If your record shows late payments or high debt, the bank may see you as a higher risk.
4. Loans You Already Have
Banks also want to know how much you owe today. If you have a car loan, personal loan, or several credit cards, they’ll factor that in. They’ll compare your income with your current debts to see if you can take on more.
If the gap is small, the bank may worry about repayment. Paying off part of a loan or closing a card before applying can sometimes help.
5. Card Type and Features
Some cards are easier to get than others. Basic cards usually come with lower requirements. Premium cards that offer more rewards or higher limits often need a higher income and better credit.
When you’re comparing the best cashback credit card offers, look closely at what each one expects from you. Choose a card that fits your current profile. Once approved and used well, you can apply for an upgrade later.
6. How You’ve Handled Other Applications
If you’ve applied for several cards or loans in a short time, that might raise questions. Banks may wonder why you’re seeking more credit so quickly. A long list of recent applications can lower your score and reduce your approval odds.
It’s better to apply only when you’re ready. Make sure your documents are in order and your credit history is clean. This shows banks that you’re careful, not desperate.
Final Thoughts
Getting approved for a credit card is about more than just filling out a form. Banks in the UAE take a close look at your income, your job, and your record with money. Understanding the criteria for a credit card helps you apply with purpose, not guesswork.
Before choosing from the best credit card offers, take a few minutes to look at your own standing. You’ll be better prepared, and your chances of success will be much higher.
