Retail
EmiratesNBD
U by Emaar Family Credit Card
The U by Emaar Family Credit Card is a retail credit card from EmiratesNBD. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Upoints
Material
Plastic
Card highlights
- Earn 5% back in Upoints at all Emaar outlets, malls, hotels & entertainment; 1% everywhere else
- BOGO movie tickets at Reel Cinemas plus up to 30% off Emaar Entertainment venues
- Up to 10% off Emaar Hospitality restaurants & spas, plus exclusive hotel rates with 4pm late checkout
Earn rates
| Category | Rate |
|---|---|
| Retail | 5% |
| Dining & food | 5% |
| Travel | 1% |
| Online shopping | 1% |
| International spend | 1% |
| Supermarket | 0.25% |
| Fuel | 0.1% |
| Utilities | 0.1% |
| Education | 0.1% |
| Transport | 0.1% |
| Real estate | 0.1% |
Benefits & perks
- •Buy 1 get 1 free movie tickets at Reel Cinemas (requires AED 5,000/month spend, max 3 free tickets/month)
- •Up to 30% off entertainment at Emaar Entertainment Group (Dubai Aquarium, KidZania, Dubai Ice Rink and more)
- •Up to 10% off at Emaar Hospitality restaurants
- •Up to 10% off spa treatments at Emaar hotels
- •Member-exclusive room rates and late checkout until 4pm at Emaar hotels
- •Upoints redeemable instantly at 1,500+ stores across Emaar entities
- •Credit Shield Pro insurance: up to AED 300,000 death cover, AED 60,000 job-loss cover and AED 100/day hospitalisation (optional, 0.99%/month)
- •Apple Pay, Google Pay and Samsung Wallet support
About this card
- •Reel Cinemas buy-one-get-one ticket offer: about AED 204 (requires AED 5,000/month spend)
- •Emaar entertainment, dining and spa discounts: about AED 300
- •No lounge access on this card tier
Every card is checked against official bank sources. Last updated June 2026.
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