ENBD U By Emaar Family Credit Card

It's a no-annual-fee UPoints card built around Emaar spending. You earn 0.5 UPoints per AED 1 at participating Emaar malls, hotels, dining and entertainment destinations (5% back), plus 0.1 UPoints per AED 1 on other eligible retail spend. Cardholders also get unlimited Buy-One-Get-One-Free movie tickets at Reel Cinemas and discounts at Emaar hotels and entertainment venues across the UAE.

No. Both the joining fee and the annual fee are listed as AED 0, so there's no waiver condition to track — it's free to hold every year. The card does carry other standard charges though, including a 3.49% monthly purchase rate (41.88% per annum) and a AED 241.50 late payment fee if a minimum payment is missed.

Emirates NBD lists a minimum monthly salary of AED 5,000 for this card, with a minimum applicant age of 21. It also requires the applicant to be a UAE resident. Final approval still depends on the bank's standard credit assessment.

No sign-up bonus is listed for this card — its welcome-offer section is empty. The value here comes from ongoing UPoints earn rates on everyday and Emaar spend, plus the standing Reel Cinemas and Emaar entertainment benefits, rather than a one-time joining reward.

The card's own description confirms the Emaar rate works out to 5% back: you earn 0.5 UPoints per AED 1 spent at participating Emaar malls, hotels, dining and entertainment destinations. Other eligible retail spend earns a lower 0.1 UPoints per AED 1, and Emirates NBD applies reduced rates to selected categories outside that. No specific reward cap is published for either tier.

You get unlimited Buy-One-Get-One-Free movie tickets at Reel Cinemas for the primary cardholder, with no limit specified on how many times you can use it. You also get discounts at Emaar hotels and entertainment venues across the UAE. Both sit alongside the card's Emaar and everyday UPoints earn rates.