The Right Time to Apply for a Credit Card in Dubai

Posted by amrina alshaikh on September 16th, 2021

When trying to apply for credit cards in Dubai, the sheer number of options can be quite overwhelming to start with. A city as glamorous as it gets, the city has a thriving fashion scene and some of the biggest international brands.For that reason, it is not surprising that to live a luxurious life in Dubai; a person would need to apply for credit cards in Dubai, especially one that offers good deals, cash backs, and points redemption, among other things.Visitors and locals alike have a range of benefits to enjoy when using credit cards in Dubai.

In the UAE, you can find a variety of credit cards to choose from. The range of cards offers several perks, with over 200 to choose from. However, it is essential to understand that, for a credit card to be useful to you, it must be able to complement your daily living expenses without forcing you towards overspending. Once you have an understanding of credit cards\' benefits and drawbacks, you can go ahead and apply quickly.

Benefits of Applying for Credit Cards in Dubai

A credit card has different advantages that you can expect to see; here are some of them:

• Take advantage of point conversion to miles, as well as discounts on several airlines when traveling domestically and abroad
• The rewards program is a great benefit - you will be credited all rewards from your credit card, which can be used for shopping, dining, flying, and so much more.
• Credit Cards offer a high level of security to protect their customers against fraud and other security threats, and customers always benefit from this, especially in instances of fraud or other security breaches.
• Around-the-clock concierge service is offered at the Platinum level, helping travelers with everything from finding the best restaurants to organizing excursions to local landmarks.
• Access to airport lounges - Enjoy a premium lounge in many different airports throughout the world
• Free Wi-Fi - Take advantage of free Wi-Fi no matter where you are.
• Supplementary cards - Make sure your family members are eligible for the benefits by ensuring they have supplementary cards.
  

Eligibility Criteria for Credit Card Application in Dubai

Following are the conditions for applying for a credit card in the United Arab Emirates;

• Minimum age of 21 is required for applicants
• It is important to provide an official UAE address
• Proof of a yearly income of at least AED 100,000 is required
• The credit score should be good with no debt on the credit cards
  

Credit card application in Dubai: the right time

To determine if a credit card is necessary, you must consider the two factors below:

Expense analysis:

Discover which of the following expenditures costs you the most throughout the year - kids\' school fees, flights for the family, or groceries? Having a good idea of what types of expenses are most frequent, you can search for credit cards with offers in those categories. The bank you shop at regularly may have partnered with that hypermarket to offer points redeemable for purchases.

Benefits you need: There are many credit cards available on the market that offer rewards programs, low-interest rates, superior credit limits, no annual fees, and much more, but what is best for you depends on how you use your credit card. Interested in golf or sporting events such as European club football? There are probably perks like cash back or access to a lounge if you make a purchase. Special credit cards may assist you in enhancing your lifestyle while not costing you any extra.

Dubai: How to get a credit card

When you meet the eligibility requirements for the program, applying is pretty simple. Register an account at the website so you can apply, and you\'ll be directed to an easy-to-complete application. In addition, you can apply for a credit card in Dubai by visiting your nearest branch and following the instructions there. This last option might be ideal for those who do not have much tech expertise and need support.