Emirates NBD · Visa
Emirates NBD U by Emaar Infinite
Up to 25,000 UPoints — 15,000 on card activation + joining fee payment, plus 10,000 on USD 10,000 cumulative retail spend in first 3 billing statements.
- Annual fee
- AED 1,575
- FX fee
- 1.99%
- Min salary
- AED 30,000/mo
Earn rates
| dining | 7.5× per AED 1 |
| groceries | 1.5× per AED 1 |
| travel | 7.5× per AED 1 |
| everything Else | 1.5× per AED 1 |
Perks
- 7.5% back as UPoints on all Emaar spends (Dubai Mall, Dubai Marina Mall, Dubai Hills Mall)
- 7.5% back on stays at Address Hotels, Rove Hotels, Vida Hotels
- 7.5% back on dining at Emaar F&B outlets (incl. Atmosphere, Thiptara)
- 1.5% back as UPoints on all non-Emaar spends
- Automatic U by Emaar Platinum status on activation
- Redeem UPoints instantly at 2,500+ outlets
- Complimentary suite upgrade on Emaar hotel stays (max 7 nights/year; late checkout 4pm, subject to availability)
- 20% off F&B and spas at all Emaar Hospitality Group hotels
- Up to 30% off Emaar Entertainment Group (Dubai Underwater Zoo, KidZania, Dubai Ice Rink)
- Buy 1 Get 1 free movie tickets at Reel Cinemas + free soft drink & popcorn (min AED 5,000 monthly spend; max 3 free tickets/month; online booking only)
- Complimentary access to 1,000+ airport lounges worldwide via Visa Airport Companion App
- Complimentary valet parking at Grand Drive, Dubai Mall (Galeries Lafayette & The Souk)
- 24/7 concierge services
- Free 24/7 roadside assistance
- Golf privileges
- Auto Salik top-up
- Buy 1 Get 1 with The Entertainer (Visa benefit)
- Bicester Village Shopping Collection access
- Medical & travel assistance (Visa)
- Avis car rental privileges
- 0% Easy Payment Plan at Apple, Carrefour, Emirates, Amazon, Fitness First
- Apple Pay, Samsung Pay, Google Pay, Garmin Pay
The U by Emaar Infinite is Emirates NBD’s co-branded Visa Infinite card with the U by Emaar loyalty programme. Built for residents who spend heavily at Emaar properties — Dubai Mall, Address/Rove/Vida hotels, and Emaar’s F&B outlets.
Earn rates
All earn rates are expressed as % back in UPoints (not miles per AED):
| Spend category | Rate |
|---|---|
| All Emaar spends (malls, hotels, dining) | 7.5% |
| Everything else | 1.5% |
UPoints are credited to your U by Emaar account. They are not transferable to airlines.
Fee summary
| Fee | Amount |
|---|---|
| Joining fee (one-time, year 1) | AED 2,625 |
| Annual renewal fee (year 2+) | AED 1,575 |
| Interest rate | 3.25% per month |
| Minimum payment | 5% of outstanding or AED 100 (higher applies) |
| FX fee | ~1.99% (verify against KFS) |
Welcome bonus breakdown
- 15,000 UPoints — credited automatically on card activation + joining fee payment
- 10,000 UPoints — on cumulative retail spend of USD 10,000 within first 3 billing statements
- Automatic U by Emaar Platinum status on activation
Key conditions to know
Reel Cinemas BOGO:
- Requires AED 5,000 minimum monthly card spend
- Max 3 free tickets (6 total) per calendar month
- Must book online via Reel Cinemas website or app
Hotel suite upgrade:
- Capped at 7 complimentary nights per year
- Late checkout until 4pm, subject to availability
- Book via brand websites or U by Emaar app for member rates
Valet parking (as of May 2025):
- Grand Drive valet at Dubai Mall unavailable due to expansion — redirected to China Town valet area
- Access via OTP generated in the U by Emaar app (required from Jan 2025)
Best for
Residents who regularly shop, eat, or stay within the Emaar ecosystem. The 7.5% back on all Emaar spend is among the strongest category earn rates on any UAE card. Particularly strong for Dubai Mall regulars, Reel Cinemas users, and Address/Rove/Vida hotel guests.
Watch out for
- AED 2,625 joining fee is steep — calculate your year-one net value carefully
- UPoints only redeem within the Emaar ecosystem — no airline or hotel transfers
- 1.5% on non-Emaar spend is decent but not market-leading for a card at this fee level
- Reel Cinemas BOGO requires AED 5k/month minimum — check your typical spend first