ENBD U By Emaar Infinite Credit Card
Premium Emaar loyalty card with Platinum status, 12.5% back on Emaar spends, golf, and unlimited lounge access.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 30,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ENBD U By Emaar Infinite Credit Card expects AED 30,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
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
12.5%
back as UPoints on Emaar spends
12.5% back as UPoints on spends at Emaar malls, hotels, and entertainment venues.
See full breakdown2.5%
UPoints on international spends
2.5% back as UPoints on all non-AED international transactions.
See full breakdown1.25%
UPoints on all other retail spends
1.25% back as UPoints on all other eligible retail transactions.
See full breakdownRewards Calculator
Additional Benefits
Visa Airport Companion Lounge Access
Unlimited lounge access via Visa Airport Companion
Complimentary unlimited access to airport lounges globally via the Visa Airport Companion programme.
Reel Cinemas BOGO Tickets
3 Buy-One-Get-One free tickets per month at Reel
3 Buy-One-Get-One free movie tickets per month at Reel Cinemas.
Valet Parking
2 complimentary valet sessions per month
2 complimentary valet parking sessions per month at select UAE locations.
Golf
2 complimentary rounds per month at 6 UAE courses.
Includes Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club. AED 30 processing fee per booking; no-show fee AED 249 and golf cart charges apply.
See full breakdownEmaar Hotel Discounts
Exclusive discounts at Emaar hotels
Hotel discounts at Emaar properties across the UAE.
Eligibility
21
Minimum Age
30,000AED
Minimum Income
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
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