Emirates NBD U By Emaar Infinite Emirati
Emirates NBD U By Emaar Infinite Emirati is a UAE credit card with U Points rewards. Its published minimum monthly salary is AED 30,000. The listed annual fee is AED 1,575 before the conditional first-year waiver. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 3.1/560% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Perk activation and qualifying conditions apply
Explore all Emirates NBD cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 30,000
- Annual fee
- AED 1,575
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- Confirm with bank
- Reward programme
- U Points
- Salary transfer required
- No published requirement
First year free; annual renewal fee AED 1,575 including VAT. No unverified renewal waiver is assumed.
UAE nationals only; published minimum monthly salary AED 30,000. Bank credit assessment and documentation apply.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Eligible Emaar spending | 7.5% back as Upoints | Complete applicable caps not established | Emaar programme eligibility, merchant and redemption conditions apply. |
| Other eligible purchases | 1.5% back as Upoints | Complete applicable caps not established | Lower rates and exclusions must be checked; not assumed cash. |
Why this card has no annual AED forecast
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
Published earning rates, known fees and bank conditions remain available in this review.
Check Emirates NBD's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Emirates NBD U By Emaar Visa Infinite Emirati Credit Card
Emirates NBD U By Emaar Visa Infinite Emirati Credit Card
Dirham Score 3.1/560% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Perk activation and qualifying conditions apply
First year free; annual renewal fee AED 1,575 including VAT. No unverified renewal waiver is assumed.
UAE nationals only; published minimum monthly salary AED 30,000. Bank credit assessment and documentation apply.
View breakdown
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates NBD U By Emaar Visa Infinite Emirati Credit Card review and fee maths
Reel Cinemas buy-one-get-one offer. Complimentary popcorn and soft drinks require AED 5,000 monthly card spending; booking conditions apply. · Visa Airport Companion access at 1,000+ lounges is advertised; confirm current activation, qualifying transactions and guest rules.
Monthly interest rate: Confirm with bank. Bank FX charge: Confirm with bank.
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
First year free; annual renewal fee AED 1,575 including VAT. No unverified renewal waiver is assumed.
U By Emaar is a restricted loyalty currency, not statement cashback. The page advertises 7.5% on Emaar spending and 1.5% other spending, but a complete current exclusion and conversion schedule is not represented in the calculator.
The welcome section advertises 15% back on Emaar spending for three months and 10,000 Upoints after USD 10,000 retail spending in the first three billing cycles. The advertised up-to-25,000-point headline is not counted as a guaranteed welcome award. Confirm caps and eligibility.
Grand Drive valet has been redirected to China Town since 1 May 2025; app OTP booking applies. Hotel upgrades and discounts depend on availability and programme conditions.
The page quotes 3.25% monthly interest. Confirm the product-specific issued KFS where general bank tariff rates differ; the borrowing-rate field remains unconfirmed.
Official bank source · checked 2026-10-24Official U By Emaar Visa Infinite Emirati Credit Card product page
Official Plus Points earning and statement caps
Official credit card key facts statement
Exact product variant artwork from the official bank catalogue/product page. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Visa Airport Companion access at 1,000+ lounges is advertised; confirm current activation, qualifying transactions and guest rules.
- Cinema: Reel Cinemas buy-one-get-one offer. Complimentary popcorn and soft drinks require AED 5,000 monthly card spending; booking conditions apply.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- First year free; annual renewal fee AED 1,575 including VAT. No unverified renewal waiver is assumed.
- U By Emaar is a restricted loyalty currency, not statement cashback. The page advertises 7.5% on Emaar spending and 1.5% other spending, but a complete current exclusion and conversion schedule is not represented in the calculator.
- The welcome section advertises 15% back on Emaar spending for three months and 10,000 Upoints after USD 10,000 retail spending in the first three billing cycles. The advertised up-to-25,000-point headline is not counted as a guaranteed welcome award. Confirm caps and eligibility.
- Grand Drive valet has been redirected to China Town since 1 May 2025; app OTP booking applies. Hotel upgrades and discounts depend on availability and programme conditions.
- The page quotes 3.25% monthly interest. Confirm the product-specific issued KFS where general bank tariff rates differ; the borrowing-rate field remains unconfirmed.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Premier Credit Card
HSBC · minimum salary AED 40,000
Compare Emirates NBD U By Emaar Visa Infinite Emirati Credit Card with Premier Credit CardSolitaire Credit Card
Mashreq · minimum salary AED 25,000
Compare Emirates NBD U By Emaar Visa Infinite Emirati Credit Card with Solitaire Credit CardCash+ Credit Card
HSBC · minimum salary AED 30,000
Compare Emirates NBD U By Emaar Visa Infinite Emirati Credit Card with Cash+ Credit CardEmirates NBD U By Emaar Infinite Emirati FAQs
What salary do you need for Emirates NBD U By Emaar Infinite Emirati?
The published minimum monthly salary is AED 30,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for Emirates NBD U By Emaar Infinite Emirati?
The listed annual fee is AED 1,575. First year free; annual renewal fee AED 1,575 including VAT. No unverified renewal waiver is assumed.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Emirates NBD U By Emaar Visa Infinite Emirati Credit Card official product terms
- Emirates NBD: Official U By Emaar Visa Infinite Emirati Credit Card product page
- Emirates NBD: Official Plus Points earning and statement caps
- Emirates NBD: Official credit card key facts statement
- Emirates NBD: Official U By Emaar programme
- Emirates NBD U By Emaar Visa Infinite Emirati 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.