EmiratesNBD
U By Emaar Signature
The U By Emaar Signature is a retail credit card from EmiratesNBD. It has an annual fee of AED 262.50, and needs a minimum salary of AED 12,000 a month.
Annual fee
AED 262.50
Joining fee
AED 525
Min. salary
AED 12,000/mo
Rewards in
Upoints
Material
Plastic
Card highlights
- Earn 6.25% back in Upoints at all Emaar outlets; 1.25% on general spend
- U By Emaar Gold status and 8 lounge visits a year (1,000+ lounges via Visa Airport Companion)
- 2 complimentary golf rounds a month at 6 UAE courses (AED 30 booking fee); 4 complimentary valet visits a month in Abu Dhabi
- 15% off F&B and spas at Emaar Hospitality hotels; up to 30% off Emaar Entertainment; BOGO cinema at Reel Cinemas
Earn rates
| Category | Rate |
|---|---|
| Retail | 6.25% |
| Dining & food | 6.25% |
| Travel | 1.25% |
| Online shopping | 1.25% |
| International spend | 1.25% |
| Supermarket | 0.31% |
| Fuel | 0.13% |
| Utilities | 0.13% |
| Education | 0.13% |
| Transport | 0.13% |
| Real estate | 0.13% |
Rewards on this card are capped at AED 1,667 a month across all categories (about AED 20,004 a year).
Spends originating in European Union (EU) countries earn 25% of the base rate: 0.3125% back as Upoints, against 1.25% on other international spend. Emirates NBD's Earning UPoints help page names EU countries only, not the UK. In Perkly's terms that is about 0.31% back, not the international rate shown above.
Benefits & perks
- •U By Emaar Gold status membership
- •Complimentary airport lounge access at 1,000+ lounges via Visa Airport Companion (8 visits/year from June 2026)
- •Visa multi-trip travel insurance including emergency medical cover up to USD 1,000,000
- •Complimentary room upgrades on Emaar hotel stays (up to 7 nights/year)
- •15% off food & beverage and spa at Emaar Hospitality Group hotels
- •Up to 30% discount on entertainment at Emaar Entertainment Group
- •Buy 1 get 1 free movie tickets at Reel Cinemas plus free popcorn and soft drink (min AED 5,000/month spend)
- •Complimentary golf twice a month at top UAE courses (Jebel Ali, Arabian Ranches, Meydan and more); AED 30 booking fee applies
- •Up to 4 complimentary valet parking services per month at selected Abu Dhabi locations (min AED 5,000/month spend)
- •Concierge service: up to 2 airport drops/year, 6 local courier deliveries/year, and annual car servicing and registration assistance
- •Complimentary roadside assistance (recovery, towing, fuel delivery, battery boost) 3 times per calendar year
- •Visa Luxury Hotel Collection access at over 900 properties
- •Purchase protection against theft or accidental damage
- •0% instalment plan at participating merchants
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the EmiratesNBD U By Emaar Signature earn?
An Emirates NBD card for salaries from AED 12,000, with an AED 525 joining fee and an AED 262.50 renewal fee, that pays 6.25% back as Upoints at Emaar outlets (Emaar malls, restaurants and hotels) and 1.25% on most other spending, with rewards capped at about 16,667 Upoints (about AED 1,667) a month.
What does the EmiratesNBD U By Emaar Signature cost?
Joining fee AED 525 and annual renewal fee AED 262.50. Perkly has no first-year waiver or welcome offer on record: Emirates NBD's page for this card charges both fees and mentions no waiver.
What does spending abroad cost on the EmiratesNBD U By Emaar Signature?
Spending abroad costs at least 3.14% all in: Emirates NBD's 1.99% on non-AED transactions plus about 1.15% charged by Visa, both published by Emirates NBD, plus any mark-up the merchant's acquirer charges, which Emirates NBD does not quantify. Spending originating in European Union countries earns 0.3125% rather than 1.25%; Emirates NBD's Earning UPoints help page names EU countries only, not the UK.
What should I watch out for with the EmiratesNBD U By Emaar Signature?
The 6.25% is only at Emaar Reward Partners: every retail outlet inside The Dubai Mall and Dubai Marina Mall, and Emaar hotels, restaurants and entertainment; other shops and restaurants earn 1.25%. Rewards stop at about 16,667 Upoints (about AED 1,667) a month. Golf, roadside assistance, the concierge desk, Abu Dhabi valet, travel insurance and the cinema offer each need at least AED 5,000 of card spending in the month you use them.
More from EmiratesNBD
Emirates NBD U by Emaar Family Credit Card
- 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
Updated October 2026
Emirates NBD U By Emaar Infinite
- Earn 7.5% back in Upoints at Emaar outlets; 1.5% on general spend (groceries, insurance, EU spend and several other categories earn significantly less)
- U By Emaar Platinum status; complimentary suite upgrades and late checkout till 4pm at Emaar hotels (up to 7 nights a year)
Updated October 2026