Emirates NBD U by Emaar Infinite
Get up to 25,000 Upoints as a welcome bonus
at Emirates NBD's secure site
See rates & fees.
Rewards rate
"If Emaar is where your money already goes — Dubai Mall weekends, Address staycations, KidZania birthdays — 7.5% back plus Platinum perks is a genuinely rich package. If you just visit the mall occasionally, the 2,625 entry ticket makes no sense; the Signature gets you 6.25% for a sixth of the cost."
Earning and redeeming Upoints
The card earns 7.5% back as Upoints at every Emaar merchant — retail outlets inside The Dubai Mall and Dubai Marina Mall, Emaar Hospitality Group hotels and restaurants, Emaar Entertainment attractions and Emaar Communities — and 1.5% on everything else. Earning is capped at 1,000,000 Upoints a year, split into equal monthly caps, and utility payments through bank channels, cash advances and fees earn nothing.
Redemption is instant and in-store: pay with the card at 2,500+ participating Emaar outlets and points become usable within 24 hours of posting, tracked on ubyemaar.com or the ENBD app. The trade-off is total lock-in — Upoints have no cash value, no airline transfers and no life outside the Emaar ecosystem.
Rates and fees
- Joining fee
- 2,625 incl. VAT — no published fee-back or spend-refund offer
- Annual fee
- 1,575 incl. VAT, every year — no first-year waiver
- Welcome bonus
- Up to 25,000 Upoints — joining + spend bonus split; details not published
- Interest rate
- 3.25% per month (39% p.a.) on unpaid balances
- Interest-free period
- Up to 55 days when the full balance is paid
- Foreign transaction fee
- 1.99% currency conversion, plus roughly 1.15% Visa processing
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Over-limit fee
- 292.95 per month
- Minimum salary
- 30,000 per month
Figures from the Emirates NBD Key Facts Statement (08/2026) and Credit Card Services and Price Guide (December 2025); all fees include 5% VAT. Verify on the bank's site before applying.
Card benefits
U by Emaar Platinum status
Automatic top-tier status: suite upgrades on Emaar hotel stays and 20% off dining and spas at Emaar Hospitality Group.
1,000+ airport lounges
Complimentary lounge access worldwide via the Visa Airport Companion app — register before you travel.
Reel Cinemas buy 1 get 1
Free ticket with every ticket at Reel Cinemas, plus free popcorn and soft drinks on 5,000+ monthly spend.
Up to 30% off Emaar attractions
Dubai Aquarium & Underwater Zoo, KidZania and Dubai Ice Rink at up to 30% off.
Dubai Mall valet parking
Complimentary valet at the Grand Drive (temporarily China Town area) — activate with an OTP from the U by Emaar app.
Concierge desk
A dedicated team for bookings, arrangements and the errands that eat your time.
Pros and cons
- 7.5% back as Upoints across the whole Emaar ecosystem — malls, hotels, dining and entertainment
- Automatic U by Emaar Platinum status: suite upgrades, 20% off dining and spas at Emaar hotels
- Points redeem instantly at the till at 2,500+ Emaar stores, no transfer step
- Lounge access, concierge, Dubai Mall valet and Reel Cinemas BOGO round out the package
- 3.25% monthly interest is lower than most UAE rewards cards
- 2,625 joining fee plus 1,575 annual fee (incl. VAT), with no published fee-back offer
- Rewards are locked to Emaar — Upoints have no cash value and no airline or cash conversion
- Non-Emaar spend earns an ordinary 1.5%, so the card only shines inside the ecosystem
- 1.99% foreign transaction fee plus roughly 1.15% Visa processing on top
- 30,000 minimum salary shuts out most applicants
Is it right for you?
Get this card if
- Your shopping, dining and staycations genuinely run through Emaar — Dubai Mall, Address, Vida, Reel
- You earn 30,000+ a month and will spend enough at Emaar to out-earn 1,575 every year
- You value suite upgrades and hotel discounts enough to pay for Platinum status
Consider skipping it if
- Your Emaar spend is occasional — the Signature earns 6.25% there for 262.50 a year
- You want rewards you can cash out or fly with — Upoints never leave Emaar
- You spend heavily abroad — 1.99% fx plus scheme fees eats the 1.5% base earn
Alternatives to consider
The same Emaar ecosystem at 6.25% back for 262.50 a year and a 12,000 salary bar.
Mall of the Emirates and Carrefour regulars get the mirror-image card: 8% back as SHARE Points.
Points that travel: Marriott Bonvoy earns toward free nights at 9,000+ hotels worldwide, not one developer's malls.
Best hotel loyalty cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What are the fees on the Emirates NBD U by Emaar Infinite?+
A joining fee of AED 2,625 and an annual fee of AED 1,575, both inclusive of VAT, per the bank's card page and the December 2025 price guide. There is no published first-year waiver or fee-back spend offer.
What is the minimum salary required?+
AED 30,000 per month.
How much do I earn on Emaar spend?+
7.5% back as Upoints on all Emaar spend — retail outlets in The Dubai Mall and Dubai Marina Mall, Emaar Hospitality Group hotels and restaurants, Emaar Entertainment and Emaar Communities. All other spend earns 1.5%.
Where can I redeem Upoints?+
Instantly at over 2,500 stores in the Emaar ecosystem by paying with the card at participating outlets. Points become redeemable within 24 hours of the transaction posting, and you can track them on ubyemaar.com or the Emirates NBD app. Upoints have no cash value and cannot be converted to cash or airline miles.
What is the welcome bonus?+
The bank advertises up to 25,000 Upoints as a welcome bonus. Per the programme terms it is paid in two parts — a joining bonus after the joining fee is paid, and a spend bonus after a spend threshold in the first three statements — but the split and threshold are not published on the card page.
Is there a cap on how many Upoints I can earn?+
Yes. The U by Emaar programme terms cap the Infinite card at 1,000,000 Upoints per year, divided into equal monthly caps.
Does the card include airport lounge access?+
Yes — complimentary access to over 1,000 airport lounges worldwide through the Visa Airport Companion app, which you need to download and register on.
What hotel perks come with the card?+
Automatic U by Emaar Platinum status, a complimentary upgrade to a suite on stays at Emaar Hospitality Group hotels, and 20% off food & beverage and spas at those hotels.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.