The U by Emaar Family Credit Card is an Emirates NBD credit card designed around the UPoints rewards program, with extra earning opportunities on Emaar-related spending and selected everyday categories.
To apply, you’ll typically need to meet the bank’s eligibility checks and provide supporting documents. The card highlights a minimum salary requirement of AED 5,000 and is promoted as free for life (no annual fee), according to the details shared.
Key Facts (summary)
- Annual fee: Free for life (no annual fee)
- APR (Annual Percentage Rate): Not provided as APR; interest rate shown as 3.49% per month
- Minimum income: AED 5,000 (minimum salary)
- Fees note: Minimum payment shown as 5% of the outstanding or
- AED 100 (whichever is higher)
الحقائق الأساسية (ملخص)
- الرسوم السنوية: مجانية مدى الحياة (بدون رسوم سنوية)
- النسبة المئوية السنوية (APR): غير مذكورة كـ APR؛ تم عرض معدل الفائدة 3.49% شهرياً
- الحد الأدنى للدخل: 5,000 درهم (الحد الأدنى للراتب)
- ملاحظات حول الرسوم: الحد الأدنى للسداد 5% من الرصيد المستحق أو 100 درهم (أيهما أعلى)
Why this card is for you?
If your spending often includes Emaar malls, Emaar Hospitality dining/stays, or Emaar entertainment experiences, the card’s structure may be useful because it emphasizes extra UPoints earning in Emaar and related benefits.
It can also fit people who want a rewards card with a simple headline promise of no annual fee, while earning points across everyday spending categories (with different earning rates depending on the transaction type).
Pros and Cons of the U by Emaar Family Credit Card
Pros
- Rewards on spending: Earn UPoints on eligible card spends, including 1% for all spends (as presented)
- Emaar-focused benefits: Extra earning and discounts tied to Emaar malls / hospitality / entertainment
- Cinema and entertainment offers: Buy 1 Get 1 on Reel Cinema tickets and up to 30% off on Emaar Entertainment experiences (as presented)
Cons
- Category-based earning can be complex: Different earning rates by category may require attention to where you spend
- Interest applies if you carry a balance: Interest rate is shown as 3.49% per month
- Benefits are brand-ecosystem oriented: Value may be lower if you rarely use Emaar venues or partners
How to Apply for Your U by Emaar Family Credit Card
In general, the process involves completing the credit card application through the official bank channel and providing documents so the bank can assess eligibility (without any promise of approval).
Disclaimer
This content is for informational purposes only and is not issued or endorsed by Emirates NBD. All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط، ولم يتم إصداره أو اعتماده من قبل بنك الإمارات دبي الوطني. تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.