| Card | Min salary | Annual fee | FX fee | Salary transfer | Welcome bonus |
|---|---|---|---|---|---|
| Emirates NBD Darna Visa Signature Emirates NBD | AED 12,000/mo | AED 315 (year 2+) | 1.99% | Not required | 3,000 Darna Points on AED 15,000 spend + Darna Gold tier |
| Emirates NBD Diners Club Credit Card Emirates NBD | AED 12,000/mo | AED 420 | 1.99% | Required | — |
| Emirates NBD Duo Credit Cards Emirates NBD | AED 12,000/mo | Free (year 2+) | 1.99% | Not required | — |
| Emirates NBD Etihad Guest Visa Inspire Emirates NBD | AED 12,000/mo | AED 735 (year 2+) | 1.99% | Not required | Up to 60,000 Etihad Guest Miles + Silver fast-track |
| Emirates NBD Go4it Platinum Emirates NBD | AED 12,000/mo | Free (year 2+) | 1.99% | Not required | — |
| Emirates NBD LuLu 247 Platinum Emirates NBD | AED 12,000/mo | AED 262.50 (year 2+) | 1.99% | Not required | 500 LuLu Points + 0% balance transfer with no processing fee |
| Emirates NBD Marriott Bonvoy World Mastercard Emirates NBD | AED 12,000/mo | Free (year 2+) | 1.99% | Not required | 2 Free Night Awards (35k points each) on USD 6,000 spend + Silver Elite status |
| Emirates NBD Mastercard Platinum Emirates NBD | AED 12,000/mo | Free (year 2+) | 1.99% | Not required | — |
| Emirates NBD SHARE Visa Signature Emirates NBD | AED 12,000/mo | Free (year 2+) | 1.99% | Not required | 5,000 SHARE Points (AED 500 value) on AED 25,000 spend; free for life |
| Emirates NBD Skywards Signature Emirates NBD | AED 12,000/mo | AED 735 (year 2+) | 1.99% | Not required | Up to 40,000 Skywards Miles + Visa lounge access |
| Emirates NBD Visa Flexi Emirates NBD | AED 12,000/mo | Free (year 2+) | 1.99% | Not required | — |
| Emirates NBD Visa Platinum Emirates NBD | AED 12,000/mo | Free (year 2+) | 1.99% | Not required | — |
| Emirates NBD Voyager World Credit Card Emirates NBD | AED 12,000/mo | Free | 1.99% | Not required | 75,000 Voyager Miles when you spend AED 35,000 within the first 3 billing statements. |
| ADCB Betaqti Credit Card Abu Dhabi Commercial Bank | AED 10,000/mo | AED 2,100 | 2.99% | Required | 300,000 ADCB TouchPoints on activation |
| ADCB LuLu Credit Card Abu Dhabi Commercial Bank | AED 8,000/mo | Free | 2.99% | Not required | — |
| Citi Cash Back Credit Card Citibank | AED 8,000/mo | AED 315 (year 2+) | 2.99% | Not required | AED 300 joining-bonus statement credit on AED 6,000 of spend within 60 days (new Citi credit-card customers applying directly via Citi). |
| Emirates NBD LuLu 247 Titanium Emirates NBD | AED 8,000/mo | Free (year 2+) | 1.99% | Not required | — |
| ADCB 365 Cashback Credit Card Abu Dhabi Commercial Bank | AED 5,000/mo | AED 383.25 (year 2+) | 2.99% | Not required | AED 365 welcome bonus — AED 5,000 spend within 45 days of issuance. |
| ADCB Essential Cashback Credit Card Abu Dhabi Commercial Bank | AED 5,000/mo | Free | 2.99% | Required | Up to AED 250 welcome cashback on new-customer activation |
| ADCB LuLu Titanium Gold Credit Card Abu Dhabi Commercial Bank | AED 5,000/mo | Free | 2.99% | Not required | — |
| ADCB Shukran Credit Card Abu Dhabi Commercial Bank | AED 5,000/mo | AED 262.50 (year 2+) | 2.99% | Not required | Welcome bonus in Shukrans: AED 1,200 for UAE Nationals new to ADCB cards, AED 1,000 for other UAE residents new to ADCB cards, AED 200 for existing ADCB cardholders. Requires AED 8,000 spend in the first 60 days; credited within 120 days. |
| ADCB Talabat Credit Card Abu Dhabi Commercial Bank | AED 5,000/mo | Free | 2.99% | Not required | AED 750 talabat credit welcome (new-to-bank applicants) |
| ADCB TouchPoints Platinum Credit Card Abu Dhabi Commercial Bank | AED 5,000/mo | AED 630 (year 2+) | 2.99% | Not required | — |
| ADCB TouchPoints Titanium Gold Credit Card Abu Dhabi Commercial Bank | AED 5,000/mo | Free | 2.99% | Not required | — |
| ADIB Cashback Visa Covered Card Abu Dhabi Islamic Bank | AED 5,000/mo | AED 103.95 | 2.3% | Not required | — |
| CBD One Credit Card Commercial Bank of Dubai | AED 5,000/mo | Free | 3.5% | Not required | — |
| DIB Consumer Cashback Reward Card Dubai Islamic Bank | AED 5,000/mo | AED 210 (year 2+) | 3.7% | Not required | — |
| Emirates NBD Darna Select Visa Emirates NBD | AED 5,000/mo | Free | 1.99% | Not required | 250 AED voucher |
| Emirates NBD dnata Platinum Credit Card Emirates NBD | AED 5,000/mo | AED 525 | 1.99% | Not required | — |
| Emirates NBD Go4it Gold Emirates NBD | AED 5,000/mo | AED 103.95 | 1.99% | Not required | — |
| Emirates NBD Noon One Visa Emirates NBD | AED 5,000/mo | Free | 1.99% | Not required | AED 500 noon credits on AED 5,000 spend + 1-year free noon One membership |
| Emirates NBD U by Emaar Family Emirates NBD | AED 5,000/mo | Free | 1.99% | Not required | — |
| Emirates NBD WebShopper Credit Card Emirates NBD | AED 5,000/mo | AED 52.50 | 1.99% | Not required | — |
| FAB Cashback Card First Abu Dhabi Bank | AED 5,000/mo | AED 315 | 2.49% | Not required | — |
| HSBC Live+ Credit Card HSBC | AED 5,000/mo | AED 313.95 (year 2+) | 2% | Not required | — |
| Mashreq Cashback Credit Card Mashreq | AED 5,000/mo | Free | 2.89% | Not required | AED 500 welcome bonus for new credit-card customers (AED 100 for existing customers) on AED 5,000 of spend within the first 2 months. |
| Standard Chartered Platinum X Credit Card Standard Chartered | AED 5,000/mo | AED 525 (year 2+) | 2.99% | Not required | — |
| Liv Cashback Credit Card Liv | No minimum | Free | 1.99% | Not required | 10,000 Skywards Miles |
| Liv Cashback+ Credit Card Liv | No minimum | AED 700 | 1.99% | Not required | 10,000 Skywards Miles |
What AED 12,000 unlocks that AED 8,000 did not
- Emirates NBD Darna Visa Signature — published minimum AED 12,000/mo
- Emirates NBD Diners Club Credit Card — published minimum AED 12,000/mo , salary transfer required
- Emirates NBD Duo Credit Cards — published minimum AED 12,000/mo
- Emirates NBD Etihad Guest Visa Inspire — published minimum AED 12,000/mo
- Emirates NBD Go4it Platinum — published minimum AED 12,000/mo
- Emirates NBD LuLu 247 Platinum — published minimum AED 12,000/mo
- Emirates NBD Marriott Bonvoy World Mastercard — published minimum AED 12,000/mo
- Emirates NBD Mastercard Platinum — published minimum AED 12,000/mo
- Emirates NBD SHARE Visa Signature — published minimum AED 12,000/mo
- Emirates NBD Skywards Signature — published minimum AED 12,000/mo
- Emirates NBD Visa Flexi — published minimum AED 12,000/mo
- Emirates NBD Visa Platinum — published minimum AED 12,000/mo
- Emirates NBD Voyager World Credit Card — published minimum AED 12,000/mo
- ADCB Betaqti Credit Card — published minimum AED 10,000/mo , salary transfer required
How to read this table
The salary figures are the issuers' published minimums — banks can and do approve or decline either side of them, and several price the same card differently with and without a salary transfer. Cards whose minimum we could not verify against a published source are left off this page entirely rather than shown as within reach; invitation-only cards are excluded for the same reason.
If you are moving your salary anyway, check the salary-transfer tracker first — at several banks the switch itself currently pays a banded cash bonus on top of whatever card you take.