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.
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 12,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ENBD U By Emaar Signature Credit Card expects AED 12,000+ 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.
Rewards
6.25%
back as UPoints on Emaar spends
6.25% back as UPoints on spends at Emaar malls, hotels, and entertainment venues.
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 access to lounges via Visa Airport Companion
Complimentary unlimited access to airport lounges globally via the Visa Airport Companion programme.
Reel 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.
Eligibility
21
Minimum Age
12,000AED
Minimum Income
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 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
EMIRATES NBD
ENBD U By Emaar Family Credit Card
Salary: AED 5,000+
No Annual Fee
1% cashback on all spends
5% cashback on Emaar spends
Buy 1 Get 1 Free Movie Tickets.
EMIRATES NBD
ENBD Skywards Infinite Credit Card
Salary: AED 30,000+
Joining Fee: AED 3,148.95
Annual Fee: AED 1,575
Bonus: Up to 100,000 Skywards Miles
Complimentary Emirates Skywards Silver membership
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
No Annual Fee for the first year
Welcome Offer: 150,000 Voyager Miles
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
No Annual Fee
Welcome Offer: 75,000 Voyager Miles
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 Darna Infinite Privilege Credit Card
Salary: AED 50,000+
Annual Fee: AED 2,625
Welcome Offer: up to 25,000 Darna Points
10% back as Darna Points on all Aldar spends
Complimentary Darna Invite only membership
EMIRATES NBD
ENBD SHARE Infinite Credit Card
Salary: AED 30,000+
Joining Fee: AED 1,575
Annual Fee: AED 1,575
8% cashback with Al Futtaim brands
Welcome bonus: 10,000 SHARE Points
EMIRATES NBD
ENBD SHARE Signature Credit Card
Salary: AED 12,000+
No Annual Fee
6% cashback with Al Futtaim brands
1% cashback on other spends
Welcome bonus: 5,000 SHARE Points
EMIRATES NBD
ENBD SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
EMIRATES NBD
ENBD Darna Visa Infinite Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,575
Welcome bonus: 7,500 Darna Points on payment of annual fee
10% cashback on all spends at Aldar destinations
Complimentary Darna Platinum tier status
EMIRATES NBD
ENBD Darna Visa Signature Credit Card
Salary: AED 12,000+
Annual Fee: AED 300
Welcome bonus: 3,000 Darna Points on payment of annual fee
7.5% cashback on all spends at Aldar destinations
Complimentary Darna Gold tier status
EMIRATES NBD
ENBD Darna Select Visa Credit Card
Salary: AED 5,000+
No Annual Fee
6.25% cashback on all spends at Aldar destinations
0.75% cashback on spends at non-Aldar locations.
Complimentary Darna Silver tier status
EMIRATES NBD
ENBD Visa Infinite Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,575
Up to 2 Points per AED 100 spent
Unlimited lounge access for self + 1 guest.
Complimentary Golf Access in the UAE.
EMIRATES NBD
ENBD Diners Club Credit Card
Salary: AED 12,000+
Annual Fee: AED 420
Earn Plus Points on spending.
Unlimited airport lounge access worldwide
30% discount at 2,000+ UAE restaurants
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
Salary: AED 12,000+
No Annual Fee
Up to 7% LuLu Points on spends.
Welcome Offer: 500 LuLu Points
Unlimited Lounge Access: 25+ lounges available.
EMIRATES NBD
ENBD Lulu 247 Titanium Credit Card
Salary: AED 5,000+
No Annual Fee
Earn LuLu Points: Up to 3.5% cashback.
0% Balance Transfer - No Fees
Complimentary Lounge Access: 10+ lounges.
EMIRATES NBD
ENBD Go4it Gold Credit Card
Salary: AED 5,000+
No Annual Fee
5 points per AED 400 weekend spend
Use Card as Nol Card.
Free Rides on Dubai Ferry
EMIRATES NBD
ENBD Mastercard Platinum Credit Card
Salary: AED 12,000+
No Annual Fee
Unlimited lounge access
30% discount at 2000+ restaurants
40% discount at golf courses worldwide
EMIRATES NBD
ENBD Dnata Platinum Credit Card
Salary: AED 5,000+
Joining Fee: AED 525
Annual Fee: AED 525
Up to AED 1,000 travel vouchers.
Up to 15% Dnata Points on spends
EMIRATES NBD
ENBD Webshopper Credit Card
Salary: AED 5,000+
No Annual Fee
1 Point per AED 200 spent
Interest-free Period: Up to 55 days.
Exclusive for Online Shopping
EMIRATES NBD
ENBD Dnata World Credit Card
Salary: AED 20,000+
Joining Fee: AED 1,048.95
Annual Fee AED 1,048.95
Welcome Offer: Up to AED 2,500 travel vouchers
Earn 15% dnata Points on dnata spends.
EMIRATES NBD
ENBD Mastercard Titanium Credit Card
Minimum Salary AED 5,000
No Annual Fee
AED 60,000 Job Loss Cover for 12 months
Lounge access at 10+ regional airports.
Exclusive travel and shopping deals.
EMIRATES NBD
ENBD Visa Flexi Credit Card
Min Salary: AED 12,000
No Annual Fee
1.5% Rewards on retail spends
Lounge Access Included
30% discount at 2,000+ restaurants
EMIRATES NBD
ENBD Marriott Bonvoy World Elite
Salary: AED 25,000+
Annual Fee: AED 1,575
Welcome Bonus: Up to 150,000 Points
6 points per US$1 at Marriott hotels
Gold Elite Status with Marriott
EMIRATES NBD
ENBD Etihad Guest Visa Elevate Credit Card
Salary: AED 30,000+
Joining Fee: AED 2,625
Annual Fee: AED 1,575
Welcome Offer: Up to 200,000 Miles
10 Miles per AED 10 spend on Etihad
EMIRATES NBD
ENBD Go4it Platinum Credit Card
Salary: AED 12,000+
No Annual Fee
5 points per AED 200 on weekends
Use Card as Golden Nol Card.
Free Rides on Dubai Ferry
Related Articles
Related Collections
