U By Emaar Signature Credit Card review
Emaar spending earns up to 6.25% back as Upoints, while other categories earn less, with grocery, fuel and utility spends dropping to 25% or 10% of the base. The annual ceiling is 200,000 Upoints, divided into equal monthly caps, and points are redeemable at more than 2,000 Emaar outlets.
New cardholders receive a 2,500 Upoints welcome bonus, and travel perks include complimentary access to over 1,000 premium airport lounges globally. A 1.99% foreign currency fee applies overseas.
With a low AED 262.50 annual fee and a AED 12,000 salary requirement, it is a sensible mid-tier choice for Emaar shoppers who do not need the higher earn rate or cap of the Infinite card.
Card details
| Bank | Emirates NBD |
|---|
| Card type | Lifestyle |
|---|
| Card network | Visa |
|---|
| Co-brand | Emaar |
|---|
| Minimum salary | AED 12,000 |
|---|
| Annual fee | AED 262.50 |
|---|
| Fee waiver | Annual fee of AED 262.50 |
|---|
| Joining fee (one-time) | AED 525 |
|---|
| Interest (monthly) | 3.69% |
|---|
| Reward type | Upoints |
|---|
| Reward rate | Up to 6.25% back as Upoints at Emaar malls and hospitality venues, with a lower rate on other spendsYou earn 6.25% at Emaar entities, with reduced rates of 25% or 10% of the base on other, grocery, fuel and utility categories Up to 200,000 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 |
|---|
| Lounge access | Complimentary access to over 1,000 premium airport lounges globally |
|---|
| 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. |
|---|
| Balance transfer | Balance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing |
|---|
| 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% |
|---|
U By Emaar Signature Credit Card benefits
✓Welcome bonus of 2,500 Upoints
✓Up to 6.25% back as Upoints at Emaar malls and hospitality
✓Redeem at 2,000+ Emaar outlets
✓Complimentary access to 1,000+ premium airport lounges
✓Low annual fee of AED 262.50
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 Signature Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. |
|---|
| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher (max cash advance 50% of card limit) |
|---|
| Late payment fee | AED 241.50 per month |
|---|
| Over-limit fee | AED 292.95 per month |
|---|
| Foreign currency fee | 1.99% currency conversion fee (plus ~1.15% Visa/MC processing) |
|---|
| Minimum payment | 5% of total payment due or AED 100, whichever is higher (plus installments/insurance/overdue/overlimit in full) |
|---|
| Interest-free period | Up to 55 days (25 to 55 days from transaction date) |
|---|
| Card replacement fee | AED 21.00 (all cards other than Go4it) |
|---|
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 fits Emaar shoppers who want a mid-tier Upoints card at a low annual fee.
What works well
- ✓6.25% back at Emaar entities
- ✓Low annual fee
- ✓Access to 1,000+ airport lounges
What to weigh up
- −Lower earn and cap than the Infinite version
- −Reward value is tied to the Emaar network
U By Emaar Signature Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 12,000 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 Signature Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 12,000 a month; an Emirates ID is required
The listed annual fee is AED 262.50. Annual fee of AED 262.50
Up to 6.25% back as Upoints at Emaar malls and hospitality venues, with a lower rate on other spends
This card fits Emaar shoppers who want a mid-tier Upoints card at a low annual fee.
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.
