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Retail

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 Emaar outlets, 1.25% on other spend
  • U By Emaar Gold status plus 15% off F&B and spas, up to 30% off Emaar Entertainment
  • Complimentary airport lounge access at 1,000+ lounges (visit count not published)
  • 2 free golf rounds a month across 6 UAE courses, 2 airport drops and USD 1M travel insurance

Earn rates

CategoryRate
Retail6.25%
Dining & food6.25%
Travel1.25%
Online shopping1.25%
International spend1.25%
Supermarket0.31%
Fuel0.13%
Utilities0.13%
Education0.13%
Transport0.13%
Real estate0.13%

Rewards on this card are capped at AED 1,667 a month across all categories (about AED 20,004 a year).

Benefits & perks

  • •Buy 1 get 1 free movie tickets at Reel Cinemas plus free popcorn and soft drink (min AED 5,000/month spend)
  • •Complimentary airport lounge access at 1,000+ lounges via Visa Airport Companion (requires min USD 1 foreign-currency transaction in the year, at least 10 days before visit)
  • •Complimentary golf 2 times a month at selected UAE courses (AED 30 processing fee per booking; AED 249 no-show fee)
  • •Visa multi-trip travel insurance including emergency medical cover up to USD 1,000,000
  • •Complimentary room upgrades on hotel stays (max 7 nights/year)
  • •15% off food, beverage and spa at Emaar Hospitality Group hotels
  • •Up to 30% discount on entertainment at Emaar Entertainment Group
  • •Visa Luxury Hotel Collection access at over 900 properties (min AED 5,000 spend in the month of use)
  • •U By Emaar Gold status
  • •Up to 4 complimentary valet parking services a month at selected Abu Dhabi locations
  • •Concierge desk: up to 2 airport drops a year within Dubai and Abu Dhabi city limits
  • •Concierge desk: up to 6 local courier deliveries a year within the UAE
  • •Concierge desk: car servicing and car registration arranged once a year each
  • •Complimentary roadside assistance (recovery, towing, fuel delivery and battery boost) 3 times a calendar year
  • •Purchase protection against theft or accidental damage
  • •0% instalment plan at participating merchants

Every card is checked against official bank sources. Last updated September 2026.

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