U By Emaar Infinite Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
Dirham Score 2.4/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 1.99%; scheme charges may apply
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 30,000
- Annual fee
- AED 1,575
- Bank FX charge
- 1.99%; scheme fees may apply
- Monthly interest rate
- 3.25%
- Reward programme
- U Points
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
1.5% back as U Points on other eligible retail; up to 7.5% at eligible Emaar brands.
Monthly spend gate: See issuer conditions. Monthly reward cap: AED 8,333.3. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 0.375 % cashback | Shared/general conditions | 0 |
| School Fees | 0.15 % cashback | Shared/general conditions | 0 |
| Utilities | 0.15 % cashback | Shared/general conditions | 0 |
| Fuel | 0.15 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 0 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
Base 1.5% value is paid in U Points. Groceries/selected retail earn 25% of base and selected essentials 10%; EU-origin spending earns 25% of base. Statement cap 83,333 U Points equals AED 8,333.30 at the issuer redemption rate. Emaar-specific higher earning, transaction exclusions, approved credit limits and geography can affect actual rewards.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
U By Emaar Infinite Credit Card
Dirham Score 2.4/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 1.99%; scheme charges may apply
View breakdown
Regular welcome+ AED 1,500
Promotional booster+ AED 0
Annual rewards+ AED 895.5
Fee waiver+ AED 1,575
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Joining / plan fees− AED 2,625
Actual modelled netAED -229.5
Costs exceed estimated rewards; headline is floored at zero.
Base 1.5% value is paid in U Points. Groceries/selected retail earn 25% of base and selected essentials 10%; EU-origin spending earns 25% of base. Statement cap 83,333 U Points equals AED 8,333.30 at the issuer redemption rate. Emaar-specific higher earning, transaction exclusions, approved credit limits and geography can affect actual rewards.
Calculation assumptionsRewards, fees & important conditions
1.5% back as U Points on other eligible retail; up to 7.5% at eligible Emaar brands.
Buy 1 Get 1 at Reel Cinemas: up to three free tickets / six total tickets per month, after AED 5,000 monthly spend. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.
Valet: Selected Emaar valet locations. China Town Dubai Mall replaced Grand Drive from May 2025; app / OTP booking rules apply.
Monthly interest rate: 3.25%. Bank FX charge: 1.99%.
15,000 U Points on activation and joining-fee payment; another 10,000 after AED 36,725 equivalent in three billing statements.
Base 1.5% value is paid in U Points. Groceries/selected retail earn 25% of base and selected essentials 10%; EU-origin spending earns 25% of base. Statement cap 83,333 U Points equals AED 8,333.30 at the issuer redemption rate. Emaar-specific higher earning, transaction exclusions, approved credit limits and geography can affect actual rewards.
General U By Emaar Infinite is distinct from the Emirati Infinite product.
Joining fee AED 2,625 applies in year one; AED 1,575 renewal fee. Fifteen thousand joining U Points require activation and joining-fee payment.
Additional 10,000 U Points requires USD 10,000 cumulative retail purchases in first three billing statements. The generic AED 36,725 conversion is a model approximation; the bank condition is in USD.
Ten U Points redeem as AED 1 at participating Emaar entities.
Official earning support confirms reduced MCCs: 25% of base on groceries, fast food, insurance and car dealership; 10% on fuel, transit, government, utilities, real estate, education and telecom. EU-origin spend earns 25% of base.
Reel cinema: AED 5,000 in benefit-use month; maximum six total tickets / three free monthly. Valet moved from Grand Drive to China Town from 1 May 2025; use app OTP.
Golf is conditional: AED 5,000 spend in benefit-use month and AED 30 processing fee; under-spend / no-show charges apply.
Official bank source · checked 2026-10-18Credit card price guide (VAT inclusive)
Upoints earning / MCC reductions / cap
This is the general U By Emaar Infinite product page, not the separately named U by Emaar Visa Infinite Emirati Credit Card. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
Up to 25,000 welcome U PointsOngoing activation and spend offer; no stated application deadline.
No stated deadline
- Pay joining fee and activate for 15,000 U Points.
- Additional 10,000 requires AED 36,725 equivalent in three billing statements.
Counted once in regular welcome value when qualifying conditions are met.
Official offer termsLounge, cinema, valet and golf conditions
- Airport lounges: Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.
- Cinema: Buy 1 Get 1 at Reel Cinemas: up to three free tickets / six total tickets per month, after AED 5,000 monthly spend.
- Valet: Selected Emaar valet locations. China Town Dubai Mall replaced Grand Drive from May 2025; app / OTP booking rules apply.
- Golf: Published benefit; qualifying conditions apply
Exclusions and important product notes
- General U By Emaar Infinite is distinct from the Emirati Infinite product.
- Joining fee AED 2,625 applies in year one; AED 1,575 renewal fee. Fifteen thousand joining U Points require activation and joining-fee payment.
- Additional 10,000 U Points requires USD 10,000 cumulative retail purchases in first three billing statements. The generic AED 36,725 conversion is a model approximation; the bank condition is in USD.
- Ten U Points redeem as AED 1 at participating Emaar entities.
- Official earning support confirms reduced MCCs: 25% of base on groceries, fast food, insurance and car dealership; 10% on fuel, transit, government, utilities, real estate, education and telecom. EU-origin spend earns 25% of base.
- Reel cinema: AED 5,000 in benefit-use month; maximum six total tickets / three free monthly. Valet moved from Grand Drive to China Town from 1 May 2025; use app OTP.
- Golf is conditional: AED 5,000 spend in benefit-use month and AED 30 processing fee; under-spend / no-show charges apply.
Official bank sources and application information
- U By Emaar Infinite Credit Card official product terms
- Emirates NBD: Credit card price guide (VAT inclusive)
- Emirates NBD: Credit card KFS (August 2026)
- Emirates NBD: Upoints earning / MCC reductions / cap
- Emirates NBD: Upoints redemption
- Emirates NBD: Visa lounge qualification
- U By Emaar Infinite Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.