ENBD U By Emaar Signature Credit Card

Yes. The ENBD U By Emaar Signature Credit Card has a one-time joining fee of AED 525 and an annual fee of AED 262.50. There's also a monthly purchase rate of 3.69%, which works out to 44.28% per annum if you carry a balance.

You earn 0.625 UPoints per AED 1 spent at participating Emaar malls, hotels, dining and entertainment destinations, equal to 6.25% back on those purchases. On other eligible retail spend outside the Emaar ecosystem, the rate drops to 0.125 UPoints per AED 1, since ENBD applies reduced rates to selected categories.

You need a minimum monthly salary of AED 12,000 and must be at least 21 years old to apply. The card also requires you to be a UAE resident.

Missing the minimum payment by the due date triggers a AED 241.50 late payment fee, charged per month it remains outstanding. A cash advance costs 3.15% of the amount withdrawn or AED 103.95, whichever is higher, and going over your credit limit adds a AED 292.95 over-limit fee once per billing cycle.

No welcome offer is currently listed for this card. Its value instead comes from ongoing perks: 0.625 UPoints per AED 1 (6.25% back) on Emaar spends, plus the airport lounge, cinema and hotel benefits built into regular use.

Cardholders get complimentary access to 1,000+ airport lounges through the Visa Airport Companion programme, up to three Buy-One-Get-One-Free movie tickets per month at Reel Cinemas after AED 5,000 monthly spend, discounts at Emaar hotels and restaurants across the UAE, up to 2 golf rounds per month at 6 UAE courses, up to 2 complimentary airport drop-offs per year, and a concierge covering 6 local courier services, 1 car-service collection and 1 vehicle-registration service per year.