U by Emaar Infinite Credit Card review
Spending at Emaar entities earns up to 7.5% back as Upoints, while everything else earns 1.5%, and reduced rates of 25% or 10% of the base apply to grocery, fuel and utility categories. Upoints are redeemable at more than 2,000 Emaar outlets, and the card carries a generous ceiling of up to 1,000,000 Upoints a year spread across equal monthly caps.
New cardholders can pick up a welcome bonus of up to 25,000 Upoints, and travel perks include complimentary access to over 1,000 airport lounges worldwide through the Visa Airport Companion app, backed by concierge support.
With a AED 30,000 monthly salary requirement and the strongest rewards concentrated within Emaar, it is best suited to Dubai residents who frequent Dubai Mall, Emaar hotels and the group's entertainment venues.
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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| Min salary discount | 5000 AED, depends on bank officialsPossible reduction of the stated minimum salary requirement, at the bank's discretion. |
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| Annual fee | AED 1,575 |
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| Fee waiver | Annual fee of AED 1,575 including VAT |
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| Joining fee (one-time) | AED 2,625 |
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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, and 1.5% on all other spendsYou 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 as noted 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 | Welcome bonus of up to 25,000 UpointsNew cardholders only | Joining bonus credited within 4-6 weeks of full fee payment | Spend bonus credited if cumulative retail spend over first three billing statements meets the qualifying threshold | Primary card only for joining bonus |
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| Lounge access | Complimentary access to over 1,000 airport lounges worldwide via the Visa Airport Companion app, plus concierge services |
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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: Welcome bonus of up to 25,000 Upoints
Terms: New cardholders only | Joining bonus credited within 4-6 weeks of full fee payment | Spend bonus credited if cumulative retail spend over first three billing statements meets the qualifying threshold | Primary card only for joining bonus
U by Emaar Infinite Credit Card benefits
✓Up to 7.5% back as Upoints across Emaar malls and hospitality
✓1.5% back on all other spending
✓Welcome bonus of up to 25,000 Upoints
✓Redeem at 2,000+ Emaar outlets
✓1,000+ airport lounges plus concierge
✓Generous annual earning cap
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 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 made for Dubai residents who regularly visit Emaar's Dubai Mall, hotels and attractions.
What works well
- ✓7.5% back at Emaar malls and hotels
- ✓Large annual earning cap
- ✓Airport lounge, valet and concierge privileges
What to weigh up
- −High AED 30,000 salary requirement
- −Only 1.5% back outside the Emaar network
U by Emaar Infinite Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 30,000 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 Infinite Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 30,000 a month; an Emirates ID is required
The listed annual fee is AED 1,575. Annual fee of AED 1,575 including VAT
Up to 7.5% back as Upoints at Emaar malls and hospitality venues, and 1.5% on all other spends
This card is made for Dubai residents who regularly visit Emaar's Dubai Mall, hotels and attractions.
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.
