Lifestyle
Merchant
Chocolate Palace
Enjoy 15% off on total bill
Valid until 16 Aug 2026
ENBD U By Emaar Infinite Credit Card
Premium Emaar loyalty card with Platinum status, 7.5% value back at participating Emaar destinations, golf, cinema and Visa Infinite benefits.
Updated Jun 2026
≈ AED 3,835 value / year · incl. perks
Welcome offer
Up to 25,000 UPoints
Earn up to 25,000 UPoints as welcome bonus.
Welcome UPoints awarded upon meeting first spend milestone. See bank terms for details.
See full breakdownRewards
0.75UPoints
back as UPoints on Emaar spends
Earn 0.75 UPoints per AED 1 at participating Emaar malls, hotels, dining and entertainment destinations.
See full breakdown0.15UPoints
per AED 1 on other eligible retail spends
Earn 0.15 UPoints per AED 1 on other eligible retail transactions. ENBD applies reduced rates to selected categories.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
30,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
Offers
See all 830View offer
Lifestyle
Merchant
Radisson Hotel Andermatt
20% off the non-member flex rate
Valid until 30 Aug 2026
Restaurants
Merchant
Celsius
25% off Food and Beverage
Valid until 31 Aug 2026
Lifestyle
Merchant
Grand Flora Spa Ladies Salon
Enjoy 15% off on spend of AED 150 and above
Valid until 31 Aug 2026
Additional Benefits
Visa Airport Companion Lounge Access
Complimentary access to 1,000+ airport lounges
Complimentary airport-lounge access through the Visa Airport Companion programme, subject to Visa and Emirates NBD terms.
See full breakdownReel Cinemas BOGO Tickets
3 Buy-One-Get-One free tickets per month at Reel
Up to 3 Buy-One-Get-One free movie tickets per month at Reel Cinemas after AED 5,000 monthly card spend.
See full breakdownValet Parking
Up to 4 eligible valet sessions per month
Complimentary valet at participating Dubai Mall locations and up to 4 eligible sessions per month at select Abu Dhabi locations.
See full breakdownGolf
2 complimentary rounds per month at 6 UAE courses.
Up to 2 rounds per month at Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club after AED 5,000 monthly card spend. AED 30 processing, AED 249 no-show or under-spend, and golf-cart charges may apply.
See full breakdownEmaar Hotel Discounts
Exclusive discounts at Emaar hotels
Hotel discounts at Emaar properties across the UAE.
Fees
2,625AED
Joining Fee
1,575AED
Annual Fee
3.49%
Monthly Purchase Rate
3.49% per month (41.88% per annum).
Late Payment FeeAED 241.5*
*Charged per month if the minimum payment due is not received in full by the payment due date.
Over Limit FeeAED 292.95*
*Charged once during each billing cycle when the current balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 103.95, whichever is higher.
Installment ProcessingAED 51.45*
*Charged per transaction.
Installment Pre-closure1.05%*
*1.05% of principal outstanding.
International Transaction Fee (non-AED)1.99%*
*Bank currency conversion fee; network processing fees may also apply.
Foreign Currency Transaction Fee (AED abroad)1.99%*
*Applies when settling foreign currency transactions in UAE dirhams overseas.
Direct Debit Return FeeAED 105*
*Charged for returned cheque or direct debit handling.
Credit Shield Pro0.99%*
*Monthly premium on the credit card outstanding balance when enrolled.
Important Stuff
Other credit cards from this bank
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
Salary: AED 30,000+
First year free
UAE Nationals only
Up to 25,000 welcome UPoints
7.5% value back at Emaar
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD U By Emaar Signature Credit Card
Min Salary: AED 12,000
Joining Fee: AED 525
Annual Fee: AED 262.50
6.25% cashback on Emaar spends
U By Emaar Gold Status
EMIRATES NBD
ENBD Skywards Signature Credit Card
Salary: AED 12,000+
Joining Fee: AED 1,573.95
Annual Fee: AED 735
Earn 40,000 bonus Skywards Miles.
1.5 Skywards Miles per USD on Emirates, flydubai
EMIRATES NBD
ENBD Duo Credit Card
Salary: AED 12,000+
Annual Fee: AED 840
5% rewards on grocery, utilities, telecom & fuel
0.5% on other spends
Unlimited airport lounge access worldwide
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