Lifestyle
Merchant
Chocolate Palace
Enjoy 15% off on total bill
Valid until 16 Aug 2026
ENBD U By Emaar Signature Credit Card
Earn UPoints with 6.25% back on Emaar spends, Visa lounge access, and Reel Cinemas BOGO. U By Emaar Gold Status included.
Updated Jun 2026
≈ AED 1,429 value / year · incl. perks
Rewards
0.625UPoints
back as UPoints on Emaar spends
Earn 0.625 UPoints per AED 1 at participating Emaar malls, hotels, dining and entertainment destinations.
See full breakdown0.125UPoints
per AED 1 on other eligible retail spends
Earn 0.125 UPoints per AED 1 on other eligible retail transactions. ENBD applies reduced rates to selected categories.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
12,000AED
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
2 Buy-One-Get-One free tickets per month at Reel
2 Buy-One-Get-One free movie tickets per month at Reel Cinemas. Complimentary ticket of equal or lesser value.
Emaar Hotel & Dining Discounts
Exclusive discounts at Emaar hotels and restaurants
Hotel and dining discounts at Emaar properties across the UAE.
Fees
525AED
Joining Fee
262.5AED
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 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
EMIRATES NBD
ENBD U By Emaar Infinite Credit Card
Salary: AED 30,000+
Joining Fee: AED 2,625
Annual Fee: AED 1,575
Welcome Offer: Up to 25,000 UPoints
U By Emaar Platinum Status
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