U by Emaar
U by Emaar is the loyalty programme of Emaar, the developer behind Dubai Mall, Address and Vida hotels, Reel Cinemas and a long list of restaurants and attractions. Members earn UPoints at Emaar venues, and Emirates NBD's four U by Emaar credit cards earn them on all card spend.
10 UPoints are worth AED 1 when redeemed instantly at participating Emaar malls, hotels, dining and entertainment venues, so 1,000 UPoints are worth AED 100 and 10,000 UPoints AED 1,000.
How U by Emaar works
The cards credit UPoints at a rate set by the tier: at Emaar destinations, 0.5 UPoints per AED on Family, 0.625 on Signature and 0.75 on Infinite and Infinite Emirati, which is 5%, 6.25% and 7.5% back at 10 UPoints per AED 1. Other eligible retail spend earns a fifth of the Emaar rate, and Emirates NBD applies reduced rates to supermarkets, insurance, fuel, utilities, government, education and telecom.
Each card caps what it earns per statement: 8,333 UPoints on Family, 16,666 on Signature and 83,333 on both Infinite cards.
The U by Emaar card ladder
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | Free | AED 5,000 | 5% back as UPoints at Emaar, 1% on other eligible spend, Reel Cinemas buy-one-get-one |
 | AED 262.50 | AED 12,000 | 6.25% back at Emaar, 1.25% elsewhere, U by Emaar Gold status and airport lounge access |
 | 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 1,575 | AED 30,000 | UAE Nationals only: 7.5% back at Emaar, Dubai Mall valet, airport drop-offs and travel insurance |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | 5% back as UPoints at Emaar, 1% on other eligible spend, Reel Cinemas buy-one-get-one |
| AED 262.50 | AED 12,000 | 6.25% back at Emaar, 1.25% elsewhere, U by Emaar Gold status and airport lounge access |
| 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 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
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
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
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
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
What your U by Emaar balance is worth
What your points are worth
Program
UPoints
5,000AED
50,000 points via Emaar Destinations
Instantly redeem 10 UPoints for AED 1 at participating Emaar malls, hotels, entertainment and dining venues
Based on the issuer’s published redemption rate; catalogue pricing and availability can still vary.
Redeem UPoints instantly at the till at participating Emaar malls, hotels, restaurants and attractions, at 10 UPoints per AED 1. UPoints only spend inside the Emaar network, so a UPoint is worth the same wherever you use it there.
Why U by Emaar cards are worth it
1.
One rate, spent where it is earned
A UPoint is worth AED 0.10 at every participating Emaar venue. There is no premium redemption to chase, so the card's earn rate at Emaar is its return.
2.
The tier sets the Emaar rate
The same AED 1,000 at Dubai Mall earns 500 UPoints on Family, 625 on Signature and 750 on either Infinite card.
3.
Status rides along
Signature carries U by Emaar Gold and both Infinite cards carry Platinum, which add dining and spa savings, suite upgrades and late checkout at Emaar hotels.
U by Emaar credit cards
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
U by Emaar — FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE