Getting your first credit card might feel a little scary—but it does not have to be. Once you know what to expect, it is simple.
And yes, you can apply for a credit card online in just a few steps. No long queues, no paperwork. Let us see how to apply for a credit card online for the first time.
Step 1: Ask Yourself If You Are Ready
Before you apply, you must make sure:
- You are earning a regular salary (usually AED 5,000/month and above)
- You are living in the UAE with valid Identity Proof.
- You are ready to use your new credit card smartly, spending the amount you can pay back.
If this is your first credit card, start small. Go for a credit card that is friendly for new users, with easy features and no complicated terms.
Step 2: Choose A Card According to your Spendings.
There are different types of credit cards in the UAE. Some offer cashback, others give you reward points or travel rewards.
Here is a straightforward way to choose:
- If you spend a lot on groceries, gas, or food deliveries, opt for a cash back card.
- If you travel often or plan to, picking a travel rewards card would be ideal.
- If you just want a simple, low-fee card to start your journey, look for a credit card with no annual fees and a basic reward system.
Review the bank offers you receive, and check the details based on how you plan to use the credit card. Many bank websites make it easy to compare options in one place.
Step 3: Get Your Documents Ready
To apply online, you will need a few things:
- Emirates ID
- Passport and visa copy &
- Salary slips or recent bank statement (to prove your income)
Take clear photos and scan the documents. These days most banks let you upload everything safely on their website.
Step 4: Apply for a Credit Card Online
Now it’s the easy part. Head to the bank’s website (like Citi’s credit card page) and:
- Click on Apply Now
- Fill in your name, phone number, job details, etc.
- Upload your documents.
- Hit submit.
Done. You will usually get a call or email in a few days to confirm the results.
Step 5: What to Do When the Card Arrives
Once your card is approved and delivered, here is what to do next:
- Activate it (usually online or by Mobile applications)
- Set your Personal Identification Number.
- Start with small, everyday payments—like groceries or a network provider bill.
- Always try to pay the full bill before the due date
This helps you build a good credit score from day one.
Smart Tips for New Users
- Never spend more than you can actually pay back.
- Pay your due bill on time every month.
- Use your card for regular things, not big splurge.
- Do not ignore your monthly statement; check it thoroughly.
Final Thoughts
Your first credit card should feel like a helpful tool and not a burden. Picking the card that suits your goals and needs is easy to manage and gives you the confidence to have strong money habits from the start.
Contact Information:
Sonakshi Murze
Manager
[email protected]
