# U by Emaar

Source: https://kredit.ae/loyalty/u-by-emaar

Emaar's rewards programme at Dubai Mall, Address and Vida hotels, Reel Cinemas and Emaar dining, and the four Emirates NBD U by Emaar cards that earn UPoints on every spend.

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 it 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.

## Tiers

- **ENBD U by Emaar Family** — minimum salary AED 5,000. 0.5 UPoints per AED at Emaar (5% back), no annual fee
- **ENBD U by Emaar Signature** — minimum salary AED 12,000. 0.625 UPoints per AED at Emaar (6.25% back), U by Emaar Gold status
- **ENBD U by Emaar Infinite** — minimum salary AED 30,000. 0.75 UPoints per AED at Emaar (7.5% back), U by Emaar Platinum status
- **ENBD U by Emaar Infinite Emirati** — minimum salary AED 30,000. 0.75 UPoints per AED at Emaar (7.5% back), UAE Nationals only

## Redemption

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 choose U by Emaar

### 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.

### 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.

### 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.

## Frequently asked questions

### How much are UPoints worth in AED?

10 UPoints = AED 1 when redeemed instantly at participating Emaar malls, hotels, dining and entertainment venues, so 1,000 UPoints are worth AED 100.

### Which card earns the most UPoints?

ENBD U by Emaar Infinite and Infinite Emirati, at 0.75 UPoints per AED at Emaar destinations. The Emirati card is for UAE Nationals only. Signature earns 0.625 and Family 0.5.

### Where can I spend UPoints?

At participating Emaar venues, including Dubai Mall, Address and Vida hotels, Reel Cinemas and Emaar restaurants and attractions. UPoints cannot be moved to another programme.

### Is there a cap on the UPoints a card earns?

Yes, per statement: 8,333 UPoints on Family, 16,666 on Signature and 83,333 on both Infinite cards.