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SAME SPENDING · TRANSPARENT MATHS

U By Emaar Infinite Credit Card vs Cash+ Credit Card

Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.

U By Emaar Infinite Credit Card — official bank artwork

U By Emaar Infinite Credit Card

Minimum salary
AED 30,000
Annual fee
AED 1,575
First-year net
AED -229.5
Ongoing annual net
AED -679.5
Bank FX fee
1.99%; scheme charges may apply
Reward programme
U Points

Important conditions

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.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

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.

Buy 1 Get 1 at Reel Cinemas: up to three free tickets / six total tickets per month, after AED 5,000 monthly spend.

Official Emirates NBD terms · reviewed 2026-10-18
Cash+ Credit Card — official bank artwork

Cash+ Credit Card

Minimum salary
AED 30,000
Annual fee
AED 1,050
First-year net
AED 1,440
Ongoing annual net
AED 1,440
Bank FX fee
2.1%; scheme charges may apply
Reward programme
Cashback

Important conditions

Includes verified monthly, quarterly and annual bonuses on base cashback when the repeated-spend forecast reaches each separate target. Leisure perks are excluded; fee waiver remains subject to campaign approval conditions.

Renewal waiver assumes at least AED 24,000 qualifying spend in the preceding card year.

Unlimited Visa Airport Companion lounge visits for you and one guest after an international purchase equivalent to at least one US currency unit, at least 15 days before travel.

Buy 1 Get 1 cinema tickets after AED 10,000 calendar-month spend; booking and provider conditions apply.

Official HSBC terms · reviewed 2026-10-18

Which card fits your own spending?

A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.

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Review all assumptions and reward valuations

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