EmiratesNBD
U by Emaar Visa Infinite Emirati Credit Card
The U by Emaar Visa Infinite Emirati Credit Card is a retail credit card from EmiratesNBD. It has an annual fee of AED 1,575, and needs a minimum salary of AED 30,000 a month.
Annual fee
AED 1,575
Joining fee
Free
Min. salary
AED 30,000/mo
Rewards in
Upoints
Material
Plastic
Card highlights
- Earn 7.5% back in Upoints on all Emaar spends, 1.5% on everything else
- Complimentary U by Emaar Platinum status plus access to 1,000+ airport lounges
- 20% off F&B and spas at Emaar hotels, suite upgrades and up to 30% off Emaar Entertainment
- Complimentary valet at Dubai Mall, BOGO Reel Cinemas tickets and travel insurance
Earn rates
| Category | Rate |
|---|---|
| Retail | 7.5% |
| Dining & food | 7.5% |
| Travel | 1.5% |
| Online shopping | 1.5% |
| International spend | 1.5% |
| Supermarket | 0.38% |
| Fuel | 0.15% |
| Utilities | 0.15% |
| Education | 0.15% |
| Transport | 0.15% |
| Real estate | 0.15% |
Current welcome offer
First year free, plus earn up to 25,000 Upoints
- First year annual fee waived
- 15% back in Upoints on Emaar spends for the first 3 months
- 10,000 Upoints for spending USD 10,000 on retail within the first 3 billing cycles
Benefits & perks
- •Complimentary U by Emaar Platinum membership status
- •Airport lounge access at 1,000+ lounges via Visa Airport Companion
- •Complimentary suite upgrade on Emaar Hospitality hotel stays
- •20% off food and beverage and spas at Emaar Hospitality hotels
- •Up to 30% off Emaar Entertainment venues
- •Buy-1-get-1 movie tickets at Reel Cinemas (with AED 5,000 monthly spend)
- •Complimentary valet parking at Dubai Mall and China Town area (from 1 May 2025)
- •Complimentary golf
- •Concierge service
- •Avis car rental privileges
- •Travel insurance for trips up to 180 days
Every card is checked against official bank sources. Last updated July 2026.
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