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
| 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).
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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More from EmiratesNBD
Retail
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
No annual feeView card
Updated September 2026