Restaurants
Merchant
31 Bar & Lounge
20% off on total bill
Valid until 31 Jul 2026
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
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 Visa Infinite Emirati Credit Card expects AED 30,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
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
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 participating Emaar destinations for the first 3 months and 10,000 UPoints after USD 10,000 of eligible retail spend in the first 3 billing cycles. ENBD presents the combined welcome value as up to 25,000 UPoints (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
Offers
See all 951View offer
Restaurants
Merchant
360 restaurant
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
90 Centigrade Café
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
Al Dana
20% off on total bill
Valid until 31 Jul 2026
Additional Benefits
U by Emaar Platinum Status
20% dining and spa savings, suite upgrades and late checkout.
Includes 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.
Get 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.
Complimentary 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.
Use 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.
Book 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 booking, cart and AED 249 no-show or under-spend charges may apply.
See full breakdownAirport Drop-offs
Up to 4 complimentary airport drop-offs per year.
The 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.
The 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.
Receive 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 breakdownEligibility
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.
Fees
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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