U by Emaar Family Credit Card review
Spending at Emaar malls, hospitality and dining earns up to 5% back as Upoints, while other categories earn less, with grocery, fuel and utility spends reduced to 25% or 10% of the base. The annual cap is 100,000 Upoints, split into equal monthly limits, and points are redeemable across more than 2,000 Emaar outlets.
Family-friendly extras include buy-one-get-one free movie experiences plus Emaar and entertainment discounts, and there is no annual fee to carry. A 1.99% foreign currency fee applies abroad.
With an accessible AED 5,000 salary requirement, it is a practical free card for households whose outings revolve around Emaar malls, hotels and attractions.
Card details
| Bank | Emirates NBD |
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| Card type | Lifestyle |
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| Card network | Visa |
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| Co-brand | Emaar |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free with no annual fee |
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| Interest (monthly) | 3.69% |
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| Reward type | Upoints |
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| Reward rate | Up to 5% back as Upoints at Emaar malls, hospitality and dining, with a lower rate on other spendsYou earn 5% at Emaar entities, with reduced rates of 25% or 10% of the base on other, grocery, fuel and utility categories Up to 100,000 Upoints per year, split into equal monthly caps Redeem Upoints at more than 2,000 Emaar outlets spanning malls, hospitality and entertainment; grocery, supermarket, fast-food, insurance, car dealer and EU spends earn 25% of the base rate, while fuel, transit, government, utility, real estate, education and telecom spends earn 10% of the base rate; a 1.99% foreign currency transaction fee applies |
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| Quick cash | Draw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer. |
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| Balance transfer | Balance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing |
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| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05% |
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U by Emaar Family Credit Card benefits
✓Up to 5% back as Upoints at Emaar malls, hospitality and dining
✓Buy-one-get-one free on movie experiences
✓Emaar and entertainment discounts
✓Redeem at 2,000+ Emaar outlets
✓No annual fee
Offers and payment options
Quick cashDraw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer.
Balance transferBalance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05%
U by Emaar Family Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher (max cash advance 50% of card limit) |
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| Late payment fee | AED 241.50 per month |
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| Over-limit fee | AED 292.95 per month |
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| Foreign currency fee | 1.99% currency conversion fee (plus ~1.15% Visa/MC processing) |
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| Minimum payment | 5% of total payment due or AED 100, whichever is higher (plus installments/insurance/overdue/overlimit in full) |
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| Interest-free period | Up to 55 days (25 to 55 days from transaction date) |
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| Card replacement fee | AED 21.00 (all cards other than Go4it) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card is designed for families who visit Emaar malls, hotels and entertainment on a free card.
What works well
- ✓No annual fee
- ✓5% back at Emaar entities
- ✓Buy-one-get-one movie experiences
What to weigh up
- −Lowest Upoints earning tier
- −Reward value is tied to the Emaar network
U by Emaar Family Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 5,000 a month; an Emirates ID is required
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
U by Emaar Family Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 5,000 a month; an Emirates ID is required
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Up to 5% back as Upoints at Emaar malls, hospitality and dining, with a lower rate on other spends
This card is designed for families who visit Emaar malls, hotels and entertainment on a free card.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
