Standard Documents for All Applicants
These are required from everyone, regardless of employment status.
Completed Credit Cards Application Form: Filled out and signed.
Passport Copy: Clear copy of the bio-data page and the page with the valid UAE residence visa.
UAE Emirates ID: Copy of both the front and back.
Additional Documents for Salaried Employees
This applies to individuals employed by a company.
Mandatory for All Salaried Employees:
Proof of Income:
Last 3 Months’ Salary Slips: Official slips from your employer.
Last 3-6 Months’ Bank Statements: Statements for the account where your salary is deposited. This is crucial for the bank to verify your salary credits and spending habits.
Salary Certificate: A recent letter (typically not older than 3 months) from your employer on company letterhead stating your:
Full Name
Position
Date of joining
Monthly gross salary (basic salary + all allowances)
Note: Some banks may also ask for an additional security or guarantor for specific high-limit premium cards, but this is less common.
Additional Documents for Self-Employed/Business Owners
Requirements are more extensive as banks need to verify the health and stability of your business.
Company Trade License Copy: Must be current and valid.
Company Bank Statements: Last 6 months’ statements for your business account.
Personal Bank Statements: Last 6 months’ statements for your personal account.
Audited Financial Statements: Company’s audited financial reports for the last 1-2 years.
Summary Table for Quick Reference
|
Employment Type |
Required Documents |
|
Salaried Employees |
1. Application Form |
|
Self-Employed |
1. Application Form |
Crucial Tips for a Smooth Application:
Validity: Ensure your passport, visa, and Emirates ID are valid. Expired documents will cause an immediate rejection or delay.
Clarity: Provide clear, scanned copies of all documents. Blurry or incomplete documents will slow down the verification process.
Accuracy: Double-check that your name, salary, and contact details are consistent across all documents and the application form.
Credit Score: Your Al Etihad Credit Report is crucial. A good credit score (history of paying loans/ credit cards on time) is often more important than just a high salary for approval and getting a higher credit limit.
How to Simplify the Process:
Using a financial aggregator service like www.quickapplyuae.com can streamline this process significantly:
Single Upload: You can upload your documents once on their platform to apply to multiple banks.
Expert Guidance: They can help ensure your application is complete and guide you toward cards you’re more likely to be approved for based on your profile.
Compare Offers: You can see and compare benefits, fees, and likely credit limits from different banks in one place.
Having these documents prepared before you start your application will significantly increase your chances of a quick and successful credit cards approval
🛍️ The Shopping & Cashback Champions
These Credit Cards are perfect if you want a simple, straightforward reward: money back in your pocket.
| Bank & Card Name | Key Offers & Perks |
|---|---|
| Emirates NBD Duo Card | • The name says it all: 5% cashback on supermarkets and fuel. • 1% cashback on all other spends. • One of the most popular “all-rounder” cards for daily essentials. |
| Mashreq Cashback Card | • 5% cashback on international spending (online & abroad). • 5% cashback on utility bills (a rare and useful category!). • 2% cashback on all other domestic spends. |
| ADCB TouchPoints Platinum Card | • Earn “TouchPoints” on every spend, redeemable for vouchers, miles, or cashback. • Often has promotions like 10% cashback at specific partners (e.g., Amazon, Noon). • 1 TouchPoint per AED 1 on all spends, with bonuses on dining, fashion, etc. |
| RAKBANK Cashback Plus Card | • A strong flat rate: 2% cashback on all spends, locally and internationally, with no category restrictions. • Simple and effective if you don’t want to track spending categories. |
✈️ The Travel & Luxury Aficionados
If your life involves frequent flights, hotel stays, and airport lounges, these cards are your best friends. They often come with higher fees but offer incredible travel value.
| Bank & Card Name | Key Offers & Perks |
|---|---|
| Emirates NBD Skywards Signature Card | • The ultimate card for Emirates Airline loyalists. • Earn 1 Skywards Mile for every AED 1 spent. • Complimentary Skywards Silver status and a guest lounge pass. • Often comes with a massive bonus miles offer upon signing. |
| First Abu Dhabi Bank (FAB) Etihad Guest Card | • The perfect partner for Etihad Airways fans. • Earn Etihad Guest Miles on every spend. • Offers like complimentary Etihad Guest Silver tier status and lounge accesses. |
| Mashreq World Elite Credit Card | • A premium, all-round travel card. • Complimentary Airport Lounge Access (Priority Pass) for you and a guest. • Massive welcome bonuses, often 50,000+ reward points. • Travel insurance, concierge service, and golf access. |
| HSBC Premier World Elite Credit Card | • A global card for global citizens. • Earn 1 Reward Point per $1 (or AED 3.67) spent. • Complimentary Priority Pass membership. • Comprehensive travel and purchase protection insurance. |
🍽️ The Foodies & Dining Enthusiasts
If your social life revolves around restaurants and cafes, these cards will make every meal a little more rewarding.
| Bank & Card Name | Key Offers & Perks |
|---|---|
| Liv. Youth Bank (by Emirates NBD) Card | • Tailored for the younger, digital-native crowd. • Regularly offers up to 25% cashback at popular food and beverage outlets like Papa Johns, Sushi Art, and more. • Managed entirely from your phone. |
| Mashreq Salaam Dining Card | • An Islamic banking card focused on dining. • Offers a solid 10% cashback on dining spends across a wide network of partner restaurants. • Also provides cinema discounts. |
| ADIB Maksi Mumtal Credit Card | • Another Islamic banking option with a dining focus. • 10% cashback at over 500 partner restaurants in the UAE. • Also includes cashback on groceries and petrol. |
What is a Credit Cards?
A credit card is a thin rectangular piece of plastic or metal issued by a bank or financial institution that allows you to borrow money up to a pre-set limit to make purchases, pay for services, or get cash advances.
In simple terms, it’s a short-term lending tool. When you use a Credit Cards, you are essentially spending the bank’s money with a promise to pay it back later.
How Does It Work?
- Credit Limit:The bank approves you for a maximum amount you can borrow, known as your credit limit. This is based on your income, credit history, and other factors.
- Making Purchases:You can use the card to pay for goods and services anywhere that accepts credit cards, both online and in physical stores.
- Billing Cycle:Your transactions are grouped into a monthly billing cycle (usually 30 days).
- Monthly Statement:At the end of each cycle, the bank sends you a statement detailing all your transactions, the total amount you owe, and the minimum payment
- Repayment:
- If you pay the full statement balanceby the due date, you typically pay no interest on your purchases.
- If you pay only the minimum paymentor any amount less than the full balance, you will be charged interest (also known as Finance Charges) on the remaining amount. This interest is how banks make money on credit cards.
Key Features & Terminology:
- Cardholder:The person to whom the card is issued.
- Issuing Bank:The financial institution that provides the card (e.g., Emirates NBD, ADCB, etc.).
- Credit Limit:The maximum amount you can borrow.
- Annual Percentage Rate (APR):The annualized interest rate charged on outstanding balances if you don’t pay in full.
- Minimum Payment:The smallest amount you must pay by the due date to keep your account in good standing.
- Billing Cycle:The period betweenCredit Cards statements.
- Due Date:The deadline for your payment to be received.
Benefits of Using a Credit Cards
- Convenience:Safer and easier than carrying large amounts of cash.
- Build Credit History:Responsible use (paying on time) helps you build a good credit score, which is crucial for getting larger loans like a mortgage or auto loan in the future.
- Rewards and Perks:Many cards offer benefits like cashback, air miles, reward points, discounts at restaurants, and travel insurance.
- Purchase Protection:Often provides insurance on purchases and protection against fraud.
- Emergency Funds:Provides a financial cushion for unexpected expenses.
Important Considerations:
- Debt Risk:It’s easy to accumulate debt that becomes difficult to repay due to high interest rates.
- Fees:Cards can have annual fees, late payment fees, and foreign transaction fees.
- Impact on Credit Score:Missing payments or maxing out your card can severely damage your credit score.
For someone in Dubai looking for a credit card, it’s crucial to compare options based on your spending habits to find a card with the best rewards, lowest fees, and most suitable credit limit. This is where a service like www.quickapplyuae.com can help by allowing you to compare offers from multiple banks in one place.
The UAE market offers a wide variety of credit cards tailored to different lifestyles and spending habits. Here’s a breakdown of the common types of credit cards available:
Low-Interest & Balance Transfer Cards
These cards offer a low Annual Percentage Rate (APR) or a promotional low rate for balance transfers. They are designed to help you save on interest charges.
Best for: Those who plan to carry a balance from month to month or want to consolidate debt from other high-interest cards.
Key Features: Lower interest rates on outstanding balances.
Premium / Luxury Cards
These are high-end cards, often made of metal, that come with exclusive benefits and a high annual fee.
Best for: High-net-worth individuals with significant spending power.
Key Features: Dedicated concierge service, high travel insurance limits, complimentary golf rounds, premium lounge access, status upgrades with hotels and airlines.
Secured Credit Cards
These cards require a cash security deposit, which typically becomes your credit limit. They are designed for individuals with no credit history or those looking to rebuild poor credit.
Best for: New residents, young adults, or anyone needing to build or repair their credit score.
Islamic Credit Cards
These are Sharia-compliant cards that avoid elements of interest (riba). Instead of charging interest, they may operate on a profit-rate or fee-based structure for late payments.
Best for: Customers seeking financial products that comply with Islamic principles.
Key Features: No interest charges, Takaful (Islamic insurance) coverage, and rewards that are Halal.
Student Credit Cards
Tailored for university students, these cards usually have lower credit limits and are easier to qualify for. They help young adults build their credit history.
Best for: University students with a limited income.
Business Credit Cards
Designed for business owners and entrepreneurs, these cards help separate business and personal expenses. They often offer rewards on business-related spending like office supplies, advertising, and travel.
Best for: Business owners, startups, and freelancers.
Key Features: Higher credit limits, detailed expense reports, rewards on business categories.
How to Choose the Right Type for You:
Consider your spending patterns:
Do you travel frequently? → A Travel/Miles Card is best.
Do you want simple savings? → A Cashback Card is ideal.
Do you spend a lot on dining and groceries? → Look for a Rewards Card with bonus points in those categories.
Do you carry a balance? → Prioritize a Low-Interest Card.
Pro Tip: Always compare the annual fee, interest rate (APR), and reward structure before applying. A service like www.quickapplyuae.com is excellent for comparing these features across different UAE banks to find your perfect match.
Banks in U.A.E
QuickApplyUAE maintains strong and dynamic relationships with a comprehensive list of leading financial institutions in the UAE, including but not limited to:
Emirates NBD
First Abu Dhabi Bank (FAB)
Abu Dhabi Commercial Bank (ADCB)
Mashreq Bank
Commercial Bank of Dubai (CBD)
HSBC
Citibank
RAKBANK
Emirates Islamic Bank
Local Banks (Headquartered in the UAE)
Local Commercial Banks
These are the largest and most prominent financial institutions in the country.
Emirates NBD (Merger of Emirates Bank International and National Bank of Dubai)
First Abu Dhabi Bank (FAB) (Merger of National Bank of Abu Dhabi and First Gulf Bank)
Abu Dhabi Commercial Bank (ADCB) (Merger of ADCB and Union National Bank, and subsequent acquisition of Al Hilal Bank)
Dubai Islamic Bank (DIB) (The world’s first full-service Islamic bank)
Mashreq Bank
Commercial Bank of Dubai (CBD)
Abu Dhabi Islamic Bank (ADIB)
Emirates Islamic Bank
National Bank of Fujairah (NBF)
National Bank of Umm Al-Qaiwain (NBQ)
RAKBANK (The National Bank of Ras Al-Khaimah)
Sharjah Islamic Bank
Invest Bank
Commercial Bank International (CBI)
Local Investment Banks
Emirates Investment Bank
SHUAA Capital
Finance Companies in the UAE
Finance companies are crucial players, especially in the auto loan, personal finance, and SME lending sectors. They are often subsidiaries of major banks or independent entities.
Prominent Finance Companies include:
Abu Dhabi Finance (Specializes in mortgages)
Emirates Integrated Telecommunications Company (du) Finance (Provides payment solutions)
Finance House
Oasis Finance (Part of the Oasis Investment Company)
Amlak Finance (Specializes in real estate financing / mortgages)
Tamweel (A subsidiary of Dubai Islamic Bank, specializing in home finance)
Arab Financial Services (Provides payment solutions)
Mashreq Al Islami (The Islamic financing division of Mashreq Bank)
ETHOS (Emirates Transaction Services) (Operates UAESWITCH and provides payment infrastructure)
Personal Express Finance (PEF)
United Arab Bank – Finance Division (Offers various financing products)
Why Choose QuickApplyUAE?
We are dedicated to providing a transparent, efficient, and personalized credit card application experience.
Tailored Solutions
We don’t just offer cards; we offer personalized financial solutions. Our experts understand your needs and match you with the best products.
Fast & Secure Process
Your time and security are our priority. Our streamlined process ensures quick approval times while safeguarding your personal data.
Wide Network
We have strong partnerships with all major banks in the UAE, providing you with a comprehensive selection of credit cards to choose from.
About QuickApplyUAE
We are a leading financial brokerage firm dedicated to simplifying the complex landscape of credit products in the United Arab Emirates. Our mission is to empower individuals and businesses by providing tailored financial solutions that meet their unique needs.
Our Vision
To be the most trusted and efficient credit card broker in the UAE, known for our integrity, expertise, and commitment to customer satisfaction. We believe in providing clear, transparent advice so you can make informed decisions about your financial future.
Our Commitment
We are committed to providing a seamless, hassle-free application experience. We handle the paperwork, navigate bank requirements, and ensure you get the best possible offer, so you can focus on what matters most.
What Our Clients Say
Don’t just take our word for it. Hear from some of the people we’ve helped on their financial journey.
“I was overwhelmed by the different credit card options. QuickApplyUAE made it so simple and helped me find the perfect cashback card for my family’s needs. The process was incredibly fast!”
– Sarah K., Dubai
“The team at QuickApplyUAE is top-notch. They are professional, knowledgeable, and guided me through every step. I got my new card approved in just a few days. Highly recommended!”
– Ali R., Abu Dhabi
“As a frequent traveler, I needed a card with great lounge access and air miles. QuickApplyUAE found me an incredible deal that I couldn’t have found on my own. Their service is invaluable.”
– Omar F., Sharjah
