Yes, though options are generally more limited than for someone with an established UAE credit history. New residents commonly start with a salary-linked or secured credit card, where the credit limit is tied directly to an existing salary account or a cash deposit held by the bank, since this reduces the bank's reliance on a credit history that simply doesn't exist yet for a recent arrival.
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Frequently Asked Questions
What is a secured credit card exactly?
It's a card where the credit limit is backed by a cash deposit held by the bank, reducing the bank's risk and making approval more accessible for applicants without a UAE credit history.
Does having a salary account with the same bank help approval?
Generally yes - banks often favour applicants who already hold a salary account with them, since it gives the bank direct visibility into income and cash flow.
How long does it typically take to build a usable credit history?
There's no fixed period, but consistent on-time repayment over several months to a year generally starts building a track record that can support future, less restrictive credit applications.
Can credit history from another country be used in the UAE?
No - AECB's credit file is specific to activity within the UAE, so credit history built abroad generally doesn't transfer over directly.
How can I find a card suited to a new resident?
Use the credit card finder and filter for salary-linked or secured card options.