Unexpected financial needs can pop up at any time in the present scenario. Being able to get credit instantly can make a big difference. Picture needing to make an urgent purchase or pay for an unexpected expense. Instead of waiting days for a credit card to be approved and delivered, you could have one ready to use online in just minutes. This is the new reality of some of the best instant credit card in UAE for 2024.
As more people look for quick and easy financial solutions, banks in the UAE are now offering instant credit cards that you can apply for and start using almost right away. This guide will help you understand the best quick approval credit cards for 2024, how they work, and how to choose the one that best fits your needs.
Understanding Instant Credit Cards in Dubai and the UAE: What They Are & How They Work
An instant credit card in UAE is a type of credit card you can get approved for and start using immediately. Once you apply and meet the requirements, you’ll receive an instant virtual credit card that you can use for online shopping or add to your mobile wallet for in-store payments. The physical card arrives a few days later, but the main benefit is that you can start using your credit immediately.
Why Should You Choose an Instant Credit Card in Dubai?
Here’s why you should choose these quick approval credit cards in UAE:
- Immediate Access: Get credit right away when you need it most.
- Convenience: Apply online, get approved instantly, and start spending within minutes.
- Security: Most instant credit cards offer strong security features, like mobile alerts and fraud protection, to keep your finances safe.
Best Instant Credit Cards in Dubai and the UAE For 2024
With numerous options available, selecting the best instant credit card in UAE can seem overwhelming. Below, we’ve compiled a list of the top instant credit cards in the UAE for 2024 based on features, benefits, and user reviews.
| Credit Card | Key Features | Annual Fee | Eligibility | Apply Now |
| CBD Visa Platinum Card | – Free for life- Enjoy up to 1.5 rewards points on every AED spent- Get 5-% off on cinema tickets -Earn CBD rewards points & more | No annual fee | Salary: AED 5,000Age: 21 – 65 | Apply Now |
| CBD Super Saver Credit Card | – Free for the first year- Get a welcome bonus of AED 1,000- Get access to the global airport lounge- Get instant cashback on bills, supermarket and education, etc. | AED 420 | Salary: AED 5,000Age: 21 – 65 | Apply Now |
| FAB SHARE Standard Credit Card | – Get free VOX cinema tickets- Get share points earned on all your spends – You can use share point earnings to pay for purchases as well & more | No annual fees | Salary: AED 5,000Age: 21 – 65 | Apply Now |
| Emirates NBD Lulu 247 Titanium Card | – Free for life- Get exclusive privileges and offers at LuLu- Earn LuLu points- Get exclusive welcome offers and more | No annual fees | Salary: AED 5,000Age: 21 years above | Apply Now |
| FAB Etihad Guest Platinum Card | – Get a 10,000 Etihad guest miles bonus- Eran up to 4 Etihad guest miles on every spend you make- Get free airport transfers & more | AED 500 | Salary: AED 8,000Age: 21 years above | Apply Now |
| Emirates Islamic Skywards Signature Card | – Earn skywards miles- Get access to global airport lounges- Get complimentary valet parking- Get complimentary golf & more | NIL | Salary: AED 5,000Age: 21 years above | Apply Now |
| Emirates Islamic Etihad Guest Platinum Card | – Earn Etihad guest miles- Earn up to 5 % cashback on Etihad spends- Get a 10% miles discount voucher-Get a welcome bonus of 5,000 Etihad guest miles & more | NIL | Salary: AED 5,000Age: 21 years above | Apply Now |
| Mashreq Bank Platinum Elite Credit Card | – Earn Mashreq vantage reward points on all your spending- Get complimentary access to fitness first- Get free airport transfers in Dubai & Abu Dhabi & more | NIL | Salary: AED 5,000Age: 21 years above | Apply Now |
| Mashreq Bank Cashback Credit Card | – Get unlimited cashback on every spend- Free for life- Get an AED 500 welcome bonus & more | No annual fee | Salary: AED 5,000Age: 21 years above | Apply Now |
Benefits of Using Instant Credit Cards in Dubai and the UAE
These are the benefits you will get if you use any instant credit cards in UAE:
- Speed: The biggest advantage is getting credit right away, which is especially helpful in emergencies.
- Ease of Use: You can easily manage your card through mobile apps and online banking.
- Rewards and Offers: Many instant credit cards offer great rewards, cashback, and discounts.
- Travel Perks: Some cards offer extra benefits for travellers, such as access to airport lounges and travel insurance.
Step-by-Step Guide: How to Apply for an Instant Credit Card in Dubai
Applying for an instant credit card in the UAE is easy. Here’s how to do it:
1. Pick a Credit Card
- Look for a credit card that fits your needs. Think about rewards, fees, interest rates, and benefits.
2. Check if You Qualify
- Make sure you meet the requirements, like minimum salary, age, and residency status.
3. Apply Online
- Go to the bank’s website or use their mobile app to apply. Find the “Apply Now” button on the credit card page.
- Fill in your personal and financial details.
- Some banks let you upload documents like your Emirates ID, passport, and salary certificate during the application.
4. Submit Your Documents
- Have these documents ready to upload or show:
- Emirates ID
- Passport copy
- Visa copy (for ex-pats)
- Salary certificate or proof of income
- Bank statements (usually for the last 3-6 months)
5. Get Instant Approval
- After you submit your application, the bank will review it right away. If you qualify, you might get instant approval.
- You could receive a virtual card immediately, which you can start using for online shopping.
6. Receive Your Physical Card
- Your physical credit card will be sent to your address within a few days. You can use it for shopping in stores.
7. Activate Your Card
- Once you get your card, activate it by following the bank’s instructions. This can usually be done online, through the mobile app, or by calling customer service.
8. Start Using Your Card
- After activation, you can start using your credit card for purchases, balance transfers, and more.
If you need help or have questions, you can visit a bank branch or contact their customer service.
Final Takeaway
So that was all about the best instant credit card in UAE. Instant credit cards are the way forward in banking, focusing on saving time and offering convenience. Whether you need a card for daily spending, travel, or emergencies, the instant credit card options in the UAE provide various benefits to meet different needs. Make sure to compare the features of each card and pick the one that best fits your lifestyle and needs.
And don’t stop there—take a look at our list of the best credit cards in the UAE. Each one has special perks. Find the right one for you today and start enjoying its benefits!
Frequently Asked Questions (FAQs)
How fast can I start using an instant credit card?
You can use your instant credit card just minutes after approval. The virtual card is ready for online shopping or can be added to your phone for quick use.
Are instant credit cards safe?
Yes, instant credit cards are just as safe as regular ones. They have security features like fraud protection, alerts, and safe online payments.
Can I use an instant credit card in other countries?
Yes, you can use an instant credit card worldwide like any other credit card. Some cards even have extra benefits for travellers.
Q: What if I lose my virtual card?
If you lose your virtual card or think something is wrong, you can lock it quickly using your bank’s app and ask for a new one.
