Lifestyle
Merchant
Radisson Hotel Andermatt
20% off the non-member flex rate
Valid until 30 Aug 2026
- Joining Fee
- Free
- Annual Fee
- AED 1,575
- Minimum Salary
- AED 30,000
ENBD U By Emaar Visa Infinite Emirati Credit Card
UAE National-only Visa Infinite card with a first-year fee waiver, up to 25,000 welcome UPoints and premium Emaar lifestyle benefits.
Updated Jul 2026
≈ AED 31,402 potential value / year · incl. perks · incl. welcome bonus
Welcome offer
First-year annual fee waived
Pay no annual fee in the first year.
The AED 1,575 annual fee is waived in the first year. The published annual fee applies from the second year.
See full breakdownUp to 25,000 welcome UPoints
Double Emaar UPoints for 3 months plus a 10,000-UPoint spend bonus.
Earn double UPoints at Emaar destinations for the first 3 months, plus 10,000 UPoints after USD 10,000 retail spend in the first 3 billing cycles — up to 25,000 UPoints total (AED 2,500 at 10 UPoints = AED 1).
See full breakdownRewards
0.75UPoints
per AED 1 at participating Emaar destinations.
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 spend.
Earn 0.15 UPoints per AED 1 on other eligible retail purchases.
See full breakdown0.0,375UPoints
per AED 1 on grocery and insurance spend.
ENBD awards 25% of the base earn rate on supermarkets, groceries and insurance. Fast food, car dealerships and EU-origin spend are also in this bank-defined tier but may not map cleanly to every calculator category.
See full breakdown0.015UPoints
per AED 1 on selected low-earn categories.
ENBD awards 10% of the base earn rate on fuel, transit, government, utilities, real estate, education and telecom transactions. Cash advances and quasi-cash transactions do not earn UPoints.
See full breakdownRewards Calculator
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Eligibility
21
Minimum Age
30,000AED
Minimum Income
UAE Nationals only
This card is available exclusively to UAE Nationals.
Identity documents
Original Emirates ID and a copy, together with a passport copy.
Income documents
Latest salary certificate and latest 3-month original bank statements or mini ATM statements.
Application documents
Duly filled credit card application and a security cheque.
Non-individual applications
A trade licence is required where the applicant is not an individual.
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 837View offer
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
Entertainment
Merchant
Just Padel
Just Padel Kite Beach
Valid until 31 Aug 2026
Additional Benefits
U by Emaar Platinum Status
20% dining and spa savings, suite upgrades and late checkout.
No minimum spend requiredIncludes 20% savings at participating Emaar Hospitality dining and spa venues, up to 30% at selected entertainment attractions, eligible suite upgrades for up to 7 nights per year, and late checkout until 4 pm.
See full breakdownReel Cinemas BOGO
Up to 3 free companion tickets per month.
Requires AED 5,000/month spendGet up to 3 Buy-One-Get-One free Reel Cinemas tickets per month after AED 5,000 monthly card spend.
See full breakdownVisa Airport Companion Lounge Access
Complimentary access to 1,000+ airport lounges.
Requires AED 5,000/month spendComplimentary access to more than 1,000 airport lounges worldwide through the Visa Airport Companion app, subject to the current Visa and Emirates NBD access terms.
See full breakdownComplimentary Valet Parking
Dubai Mall valet plus up to 4 eligible Abu Dhabi uses per month.
No minimum spend requiredUse complimentary valet at participating Dubai Mall locations including Galeries Lafayette, Souk and China Town. ENBD also publishes up to 4 eligible valet uses per month at select Abu Dhabi locations. Grand Drive has been unavailable since May 2025.
See full breakdownGolf Privileges
Up to 2 rounds per month at 6 UAE clubs.
Requires AED 5,000/month spendBook up to 2 rounds/month at Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City/Golf Club and Sharjah Golf & Shooting Club after AED 5,000 monthly spend. AED 30 booking and AED 249 no-show charges may apply.
See full breakdownAirport Drop-offs
Up to 4 complimentary airport drop-offs per year.
No minimum spend requiredThe ENBD Visa Infinite concierge includes up to 4 complimentary airport drop-off services per calendar year.
See full breakdownCourier and Vehicle Concierge
12 courier uses, 1 car service and 1 registration service per year.
No minimum spend requiredThe concierge includes up to 12 local courier services per year, 1 vehicle collection and delivery for servicing per year, and 1 vehicle-registration collection and delivery per year.
See full breakdown24/7 Roadside Assistance
Up to 3 roadside-assistance uses per year.
Requires AED 5,000/month spendReceive up to 3 roadside-assistance services per calendar year, subject to AED 5,000 monthly card spend and the current service terms.
See full breakdownVisa Infinite Travel Insurance
Complimentary travel cover when eligibility conditions are met.
Visa Infinite travel insurance can cover eligible trips paid with the card. Coverage, trip-duration limits, exclusions and claims requirements follow the current Visa policy.
See full breakdownFees
Free
Joining Fee
1,575AED
Annual Fee
3.25%
Monthly Purchase Rate
3.25% per month (39.00% 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.
Minimum Monthly Payment5%*
*5% of the outstanding balance or AED 100, whichever is higher.
Card ReplacementAED 21
International DeliveryAED 157.5
Liability LetterAED 52.5
Paper StatementAED 5.25
Recent Duplicate StatementAED 15.75
Older Duplicate StatementAED 47.25
Sales Voucher CopyAED 10.5
Important Stuff
Frequently Asked Questions
Get answers to common questions about ENBD U By Emaar Visa Infinite Emirati Credit Card credit card
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