ENBD U By Emaar Infinite Credit Card

The ENBD U By Emaar Infinite Credit Card carries a joining fee of AED 2,625 and an annual fee of AED 1,575. To qualify you need a minimum salary of AED 30,000 per month.

Applicants must be at least 21 years old, earn a minimum salary of AED 30,000 per month, and be UAE residents. These are the baseline criteria Emirates NBD lists for the U By Emaar Infinite card.

New cardholders can earn up to 25,000 UPoints as a welcome bonus. The issuer awards 15,000 UPoints after activation and payment of the joining fee, plus 10,000 after USD 10,000 eligible retail spend in the first three billing statements.

You earn 0.75 UPoints per AED 1 spent at participating Emaar malls, hotels, dining and entertainment destinations, equal to about 7.5% value back at those locations. Spending elsewhere earns a lower 0.15 UPoints per AED 1, since Emirates NBD applies reduced rates to other eligible retail categories.

Yes, it comes with the Visa Airport Companion Lounge Access benefit, giving complimentary access to 1,000+ airport lounges. Access is subject to the current Visa Airport Companion programme terms and Emirates NBD's own conditions.

Cardholders get up to 3 Buy-One-Get-One-Free Reel Cinemas tickets per month after AED 5,000 in monthly spend, plus complimentary valet parking at participating Dubai Mall locations and up to 4 eligible valet sessions per month at select Abu Dhabi locations. Golf privileges add up to 2 complimentary rounds per month at 6 UAE courses (Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City/Golf Club and Sharjah Golf & Shooting Club) after the same AED 5,000 spend threshold, though a AED 30 processing fee and AED 249 no-show fee may apply.