Best Credit Cards in UAE Without Salary Transfer – 2025

Looking for a credit card in the UAE but don’t want to transfer your salary? In 2025, many banks offer top-tier credit cards without requiring you to move your salary account.

Top Credit Cards That Don’t Require Salary Transfer

ADCB TouchPoints Gold Card

Minimum Salary: AED 5,000
Salary Transfer: Not Required
Benefits: Free airport lounge, reward points, balance transfer

Emirates Islamic Cashback Plus Card

Eligibility: AED 8,000 salary
Transfer Required: No
Highlights: 10% cashback on groceries and fuel

Mashreq Platinum Elite Card

Salary: AED 7,000
Salary Transfer: Optional
Perks: Complimentary travel insurance, airport lounge access, golf discounts

Why Choose a No-Salary-Transfer Credit Card?

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FAQs – Credit Cards Without Salary Transfer in UAE

Yes, many banks in UAE allow credit card approval without requiring salary transfer.

No, as long as your income is verified through salary slips or a valid bank statement.

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