Each one pays back as UPoints at Emaar malls, hotels, dining and entertainment, and 10 UPoints redeem for AED 1 at those same venues. The Family card earns 5% at Emaar with no annual fee from AED 5,000 salary; Signature earns 6.25% from AED 12,000; Infinite earns 7.5% from AED 30,000; and the Infinite Emirati card, for UAE Nationals only, matches the Infinite earn rate with Dubai Mall valet included. Away from Emaar, every tier earns a fifth of its Emaar rate.
Best free U by Emaar card
EMIRATES NBD
ENBD U By Emaar Family Credit Card
≈ AED 10,132 potential value / year · incl. perks
1% cashback on all spends
5% cashback on Emaar spends
Buy 1 Get 1 Free Movie Tickets.
Best mid-tier
EMIRATES NBD
ENBD U By Emaar Signature Credit Card
≈ AED 22,901 potential value / year · incl. perks
Annual Fee: AED 262.50
6.25% cashback on Emaar spends
U By Emaar Gold Status
Highest earn rate
EMIRATES NBD
ENBD U By Emaar Infinite Credit Card
≈ AED 30,162 potential value / year · incl. perks
Annual Fee: AED 1,575
Welcome Offer: Up to 25,000 UPoints
U By Emaar Platinum Status
U by Emaar Credit Cards compared
A side-by-side snapshot of joining fees, salary requirements, and standout benefits.
| Card | Joining fee | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|---|
 | Free | Free | AED 5,000 | 5% back as UPoints at Emaar, 1% on other eligible spend, Reel Cinemas buy-one-get-one |
 | AED 525 | AED 262.50 | AED 12,000 | 6.25% back at Emaar, 1.25% elsewhere, U by Emaar Gold status and airport lounge access |
 | AED 2,625 | AED 1,575 | AED 30,000 | 7.5% back at Emaar, 1.5% elsewhere, Platinum status, up to 25,000 welcome UPoints and valet parking |
 | AED 2,625 | AED 1,575 | AED 30,000 | UAE Nationals only: 7.5% back at Emaar, Dubai Mall valet, airport drop-offs and travel insurance |
| Card | Joining fee | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|---|
| Free | Free | AED 5,000 | 5% back as UPoints at Emaar, 1% on other eligible spend, Reel Cinemas buy-one-get-one |
| AED 525 | AED 262.50 | AED 12,000 | 6.25% back at Emaar, 1.25% elsewhere, U by Emaar Gold status and airport lounge access |
| AED 2,625 | AED 1,575 | AED 30,000 | 7.5% back at Emaar, 1.5% elsewhere, Platinum status, up to 25,000 welcome UPoints and valet parking |
| AED 2,625 | AED 1,575 | AED 30,000 | UAE Nationals only: 7.5% back at Emaar, Dubai Mall valet, airport drop-offs and travel insurance |
ENBD U By Emaar Family Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 5,000
Highlight5% back as UPoints at Emaar, 1% on other eligible spend, Reel Cinemas buy-one-get-one
ENBD U By Emaar Signature Credit Card
Joining feeAED 525
Annual feeAED 262.50
Min. salaryAED 12,000
Highlight6.25% back at Emaar, 1.25% elsewhere, U by Emaar Gold status and airport lounge access
ENBD U By Emaar Infinite Credit Card
Joining feeAED 2,625
Annual feeAED 1,575
Min. salaryAED 30,000
Highlight7.5% back at Emaar, 1.5% elsewhere, Platinum status, up to 25,000 welcome UPoints and valet parking
ENBD U By Emaar Visa Infinite Emirati Credit Card
Joining feeAED 2,625
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightUAE Nationals only: 7.5% back at Emaar, Dubai Mall valet, airport drop-offs and travel insurance
October Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose U by Emaar Credit Cards UAE
1.
UPoints are spent where they are earned
10 UPoints redeem for AED 1 at participating Emaar malls, hotels, restaurants and attractions, including Dubai Mall, Address and Vida hotels and Reel Cinemas. The card pays most for a household that already spends at those venues.
2.
Each tier caps its monthly earn
Emirates NBD caps earning per statement: 8,333 UPoints on Family, 16,666 on Signature and 83,333 on both Infinite cards.
3.
Status comes with the card
Signature cardholders get U by Emaar Gold status and both Infinite cards carry Platinum, which adds dining and spa savings, suite upgrades and late checkout at Emaar hotels on top of the card's earn rate.
Which U by Emaar card fits you?
1.
Salary AED 5,000–11,999 → U by Emaar Family
No fees at all, 5% back at Emaar and 1% elsewhere. It is the only U by Emaar card at this salary and the only one that costs nothing to keep.
2.
Salary AED 12,000–29,999 → U by Emaar Signature
The earn rate rises to 6.25% at Emaar and 1.25% elsewhere, with Gold status and lounge access, for a AED 525 joining fee and AED 262.50 a year.
3.
Salary AED 30,000+ → U by Emaar Infinite, or Infinite Emirati for UAE Nationals
7.5% back at Emaar, Platinum status, valet parking and up to 25,000 welcome UPoints. UAE Nationals can take the Emirati version, whose joining fee is currently waived and which adds Dubai Mall valet, airport drop-offs and travel insurance.
What each U by Emaar card returns on the same monthly spend
Adjust your monthly spending to see how cashback changes across cards.
Emaar Destinations
5%
AED 0
5% · AED 0
Emaar Destinations
6.25%
AED 0
6.25% · AED 0
Grocery, Fast Food +2 more
0.25%
AED 0
0.25% · AED 0
Grocery, Fast Food +2 more
0.31%
AED 0
0.31% · AED 0
Government, Utilities +5 more
0.1%
AED 0
0.1% · AED 0
Government, Utilities +5 more
0.13%
AED 0
0.13% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Other Spends
1.25%
AED 0
1.25% · AED 0
Airport Lounge Access
—
Airport Lounge Access
—
Emaar Hotel & Entertainment Discounts
—
Emaar Hotel & Entertainment Discounts
—
Golf
—
Golf
—
Reel Cinemas BOGO
—
Reel Cinemas BOGO
—
Airport Drop-off Service
—
Airport Drop-off Service
AED 240
Valet Parking
—
Valet Parking
—
Annual Fee
Free
Annual Fee
– AED 262.5
Total
+ AED 0
Total
– AED 22
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
4 cards in the UAE
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 U By Emaar Signature Credit Card
- Min Salary: AED 12,000
- Joining Fee: AED 525
- Annual Fee: AED 262.50
- 6.25% cashback on Emaar spends
- U By Emaar Gold Status
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 Visa Infinite Emirati Credit Card
- Salary: AED 30,000+
- Joining fee waived
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about U by Emaar Credit Cards in the UAE
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