RetailUAE Nationals only
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 Emaar spends (malls, hotels, dining, entertainment), 1.5% on all other spend
- Complimentary U by Emaar Platinum status, plus 20% off F&B and spas at Emaar Hospitality hotels
- Complimentary airport lounge access at 1,000+ lounges (Visa Airport Companion), plus 4 airport transfers a year
- BOGO movie tickets at Reel Cinemas, USD 1M travel insurance, and Visa Luxury Hotel Collection (900+ properties)
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 status
- •Airport lounge access at 1,000+ lounges worldwide via Visa Airport Companion (requires a foreign-currency transaction of at least USD 1, at least 10 days before visit)
- •Visa multi-trip travel insurance including emergency medical cover up to USD 1,000,000
- •Buy 1 Get 1 free movie tickets at Reel Cinemas with free soft drinks and popcorn (with AED 5,000 monthly spend)
- •20% off food & beverage and spa services at Emaar Hospitality hotels
- •Complimentary suite upgrade on Emaar Hospitality hotel stays
- •Up to 30% off Emaar Entertainment
- •Visa Luxury Hotel Collection access at 900+ properties
- •Concierge desk with up to 4 complimentary airport drops per year within Dubai and Abu Dhabi
- •Up to 12 complimentary local courier deliveries per year within the UAE
- •Complimentary car servicing and car registration assistance once a year each
- •Complimentary valet parking at Dubai Mall (China Town valet area and The Souk)
- •Purchase protection against theft or accidental damage
- •0% instalment plan at participating merchants over 3, 6, 12 or 24 months
Every card is checked against official bank sources. Last updated September 2026.
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