Here’s a clear, Step by Step guide on how to get a credit card in the UAE if your employer is NOT on the bank’s listed/approved company list (a very common issue for small businesses, startups, or newly formed companies). We are as financial consultant her to help you if you have any question or quire you can contact us through our website www.Quickapplyuae.ae or you can email us info@quickapplyuae.ae
Banks in the UAE usually prefer “listed employers” because they are pre-verified and considered low-risk.
BUT you can still get a credit card even if your company is not listed.
You just need to follow the right approach and pick the right bank/product type.
- Choose Banks That Accept Non-Listed Companies
Some banks in the UAE offer credit cards without requiring the employer to be on their approved list.
Examples include:
Emirates NBD accepts non-listed employers with additional income proof
ADCB often allows non-listed employer applicants
Mashreq Bank has salary transfer and fixed deposit based options
RAKBANK flexible for small company employees
FAB allows non-listed companies for selected cards
- One of These 3 Methods to Qualify
Option A: Salary Transfer Account (Easiest Approval)
If you agree to transfer your salary to the bank every month, they often ignore the employer listing issue.
3 to 6 Months Bank Statements: This is nonnegotiable. The statement must show the salary being credited as “Salary” or “Wages” (WPS). Always Transfer your salary through WPS (Exchanges)
Requirements:
Valid Emirates ID
Salary certificate
Minimum salary (usually AED 8,000)
This works especially well with these Banks:
Emirates NBD,
ADCB,
Mashreq Bank
Option B: Fixed Deposit / Secured Credit Card (100% Approval)
If your company is not listed and income is difficult to verify, the fastest method is
Open a Fixed Deposit Get a Credit Card limit equal to your deposit.
Example:
Min Deposit AED 10,000 they issue you a credit card with a limit of usually 90-95% of that deposit
Banks offering secured cards:
Mashreq Bank
RAKBANK
FAB
ENBD
Benefits
Guaranteed approval
Builds your credit score
You can upgrade to an unsecured card after 6–12 months
Option C: Provide Strong Alternative Income Proof
6 months bank statements
Labour contract + salary certificate
Proof of regular income ( freelance, commissions )
AECB credit score report ( AECB credit score min 651 )
- Meeting the Minimum Salary Requirement
Even for non-listed companies, you must meet minimum salary criteria:
AED 8,000 to 10,000 most standard cards
AED 15,000+ premium cards
- What Documents You Need
Emirates ID
Passport + Visa copy
Salary certificate
Last 3–6 months bank statements
Labour contract
AECB Credit Report (bank will pull automatically and Credit Score is required min 651)
- Tips to Increase Your Approval Chances
Apply at banks known for flexibility
Keep your bank statements clean (no returned cheques, no negative balance)
Maintain a stable job (4 to 6 months minimum)
Avoid applying at too many banks at once (affects AECB score)
Company must having Website
If you have any question you can Contact us through our website www.Quickapplyuae.ae
We will help you and educate you have to get Credit Card Easily with banks. Our Professional Financial team will guide you step by step.
Special Note: without Credit Score Do not apply with any bank they will Reject your request
Here is our other Blogs
How do I get credit card easily in the UAE?
you can read this Blog its help full for you to understand how to get credit card with banks.
also Apply with us and we will help you to get approved your Credit card in UAE. we have 60 minutes call back policy
