U by Emaar Infinite Credit Card for Emiratis review
Emaar spending earns up to 7.5% back as Upoints at a 5X rate, while other purchases earn 1.5%, with grocery, fuel and utility categories reduced to 25% or 10% of the base. The annual earning ceiling reaches up to 1,000,000 Upoints a year, divided into equal monthly caps, and points are redeemable at more than 2,000 Emaar outlets.
Cardholders enjoy a free first year alongside a Upoints welcome bonus on Emaar spends, and travel perks include complimentary access to over 1,000 airport lounges worldwide through the Visa Airport Companion app plus complimentary valet parking.
Reserved for UAE Nationals earning at least AED 30,000 a month, it is best suited to Emirati customers whose spending centres on the Emaar network.
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 30,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | First year free, then an annual fee of AED 1,575 including VAT |
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| Interest (monthly) | 3.25% |
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| Reward type | Upoints |
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| Reward rate | Up to 7.5% back as Upoints at Emaar malls and hospitality venues (5X on Emaar spends), and 1.5% on all other spendsAvailable to UAE Nationals only; you earn 7.5% at Emaar entities and 1.5% elsewhere, with grocery, fuel and utility categories reduced to 25% or 10% of the base rate Up to 1,000,000 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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| Welcome bonus | First year free plus a Upoints welcome bonus on Emaar spendsNew cardholders only | First year annual fee waived | 15% back as Upoints on Emaar spends for first 3 months | 10,000 Upoints spend bonus on retail spend of USD 10,000 across first three billing cycles | Joining bonus credited within 4-6 weeks of fee payment |
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| Lounge access | Complimentary access to over 1,000 airport lounges worldwide via the Visa Airport Companion app, plus complimentary valet parking |
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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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Welcome bonus: First year free plus a Upoints welcome bonus on Emaar spends
Terms: New cardholders only | First year annual fee waived | 15% back as Upoints on Emaar spends for first 3 months | 10,000 Upoints spend bonus on retail spend of USD 10,000 across first three billing cycles | Joining bonus credited within 4-6 weeks of fee payment
U by Emaar Infinite Credit Card for Emiratis benefits
✓First year free
✓Up to 7.5% back as Upoints at Emaar malls and hospitality
✓1.5% back on all other spending
✓Redeem at 2,000+ Emaar outlets
✓1,000+ airport lounges plus complimentary valet
✓Designed exclusively for UAE Nationals
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 Infinite Credit Card for Emiratis fees & charges
| Annual percentage rate (APR) | 39.00% p.a. |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher |
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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% of transaction amount (plus approx 1.15% Visa/Mastercard processing) |
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| Minimum payment | 5% of current balance outstanding or AED 100, whichever is higher, plus any installments/insurance/overdue/overlimit in full |
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| Interest-free period | Up to 55 days for Retail Purchases |
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| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
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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 tailored for Emirati customers who shop and stay within the Emaar ecosystem.
What works well
- ✓First year free
- ✓7.5% back at Emaar entities
- ✓Complimentary valet and platinum status
What to weigh up
- −Available to UAE Nationals only
- −Only 1.5% back outside the Emaar network
U by Emaar Infinite Credit Card for Emiratis eligibility
Reserved for UAE Nationals aged 21 and over earning at least AED 30,000 a month
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
U by Emaar Infinite Credit Card for Emiratis FAQs
Reserved for UAE Nationals aged 21 and over earning at least AED 30,000 a month
The listed annual fee is AED 1,575. First year free, then an annual fee of AED 1,575 including VAT
Up to 7.5% back as Upoints at Emaar malls and hospitality venues (5X on Emaar spends), and 1.5% on all other spends
This card is tailored for Emirati customers who shop and stay within the Emaar ecosystem.
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.
