How to apply for a credit card

If you’re planning to apply for a credit card, use our guide to help.

Before applying, take some time to compare different credit cards to find the right one to suit your needs. Different credit cards can be useful for different things.

For example, if you have more than one credit card and you want to streamline your repayments, a credit card with a lower balance transfer fee or charges could help. Some banks may offer a 0% interest-free period if you transfer to one of their cards. This means you won’t pay interest on what you owe during this initial period.[@financing-arrears-warning]

Explore: How to make the most of a balance transfer credit card

Always check the APR, and any other fees and charges, when comparing credit cards. 

If you’re comparing credit cards to find the best one for you, make sure you only apply when you’ve found the right option. Submitting lots of applications for credit in a short amount of time could have a negative impact on your credit score.

Calculated by the Al Etihad Credit Bureau (AECB), a credit score is a number between 300 and 900 – the higher your credit score, the better.

Lenders view your credit score when considering your application. It helps them predict how reliable you’ll be at making repayments.

Before making an application, it can be useful to check your credit score to make sure everything is accurate. A small mistake or error could make a big difference.

Explore: How to boost your credit score

There may be specific eligibility requirements you need to meet to be able to apply for a credit card. For example, you may need to be over a certain age, or earn over a certain amount each month.

When you’ve found the right credit card, you can apply by filling in an application form online, over the phone or in a branch. You’ll need to fit the eligibility criteria for the credit card, and provide proof of your identity, and income.

For proof of identity, you’ll need:

Additional cardholder applications will need to provide the passport and Emirates ID for the additional cardholder.

For proof you’re a UAE resident, you can choose 1 of the following:

For proof of income, you’ll need:

Keep in mind, each bank may have its own specific requirements.

Always check the terms and conditions of the credit card before you start applying.

Once you’ve completed your application, thoroughly review it before you submit it. Declined lending applications could affect your credit score, so it’s important to check all the information is accurate and there’s no mistakes.

If your application is approved, your lender may send you an offer to review. If so, check:

If your application for a credit card is declined, check your credit score to see if there’s any reasons why this may have happened.