Emirates NBD Points Credit Card offers

Emirates NBD is a pioneer in revolutionising the UAE banking landscape with its innovative, customer-centric approach. As part of its comprehensive suite of financial products and services, Emirates NBD offers an impressive array of credit cards tailored to cater to its customers' diverse needs and preferences. ...read more

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Top Emirates NBD Points Offer on Credit Card

Emirates NBD credit cards come loaded with a multitude of rewards and offers, providing cardholders with numerous opportunities to earn and redeem points and enjoy exclusive perks.

Among the many Emirates NBD credit card rewards programs, Upoints stands out as a particularly rewarding and versatile loyalty program. This article aims to provide a deep dive into Upoints, covering the various benefits associated with the program and offering insights into how to make the most of your Emirates NBD credit card experience.

We have divided the article into three sections - Earning, Redeeming, and Tracking of Upoints to help you better understand the Emirates NBD credit card rewards programme.

Top Emirates NBD Credit Card Reward Points – Upoints

Listed below are the top Emirates NBD credit cards offering Upoints –

  • U by Emaar Family Credit Card
  • U by Emaar Infinite Credit Card
  • U by Emaar Signature Credit Card

Understanding Emirates NBD Credit Card Reward Upoints

Upoints make for one of the rewards loyalty programmes with Emirates NBD credit cards. These points are only available for the Emirates NBD U by Emaar credit card, including visa family, visa signature, and visa infinite. By swiping your card for retail purchases or payments, you can instantly earn and redeem the Upoints.

Upoints by Emirates NBD allows you to earn and accumulate points on your everyday spending, which can then be redeemed for a wide array of rewards and benefits.

The general features of Emirates NBD credit cards rewards- Upoints are given below:

  • The first and foremost step of earning Upoints on your Emirates NBD credit card is to get your card activated.
  • You can earn Upoints on a variety of transactions, like retail purchases, dining, entertainment, travel, staycation, and more. Depending on the type of your Emirates NBD U by Emaar credit card, the number of Upoints earned will vary.
  • Upoints can be redeemed for numerous awards such as airline tickets, shopping vouchers, hotel stays and other services. Additionally, you can also redeem reward points directly at partner outlets, making it a seamless and convenient experience.
  • Emirates NBD has partnered with a vast network of merchants and service providers across various sectors to ensure that Upoints can be earned and redeemed at a multitude of locations. This extensive network allows you to enjoy diverse offers and benefits catering to your specific needs and preferences.
  • Upoints come with a validity period, after which they cannot be redeemed. It is important to keep track of the Upoints and their expiry dates.
  • It is to be noted that only retail spends are eligible for Upoints. Transactions that do not qualify for earning Upoints include cash advances, balance transfers, fees and charges related to the card account (such as late payment fees, finance charges) or any fees associated with the program registration (including renewal fees), dial-a-cheque, credit vouchers, internal calculations, foreign currency purchases, transactions at exchange houses, utility bill payments made via the bank's Online Banking or other payment channels provided by the bank, purchases of savings certificates, bonds, and other debt instruments, and transactions deemed by the bank as disputed, erroneous, unauthorized, illegal, or fraudulent. While Upoints will be awarded for original transactions converted to Instalment Payment Plans (IPP), interest and/or processing fees for converting transactions to IPP are not eligible for earning Upoints.
  • In case your Emirates NBD credit card is lost, your valid Upoints will be transferred to your new Emirates NBD credit card.

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Earning Emirates NBD Credit Cards Rewards – Upoints

Earning Upoints – Overview

As per your Emirates NBD credit card, you can earn the Upoints on domestic & international transactions, Emaar group, Emaar hospitality, and Emaar entertainment as given below –

Type of Spend U by Emaar Family Credit Card (Upoints per AED 100) U by Emaar Signature Credit Card (Upoints per AED 100) U by Emaar Infinite Credit Card (Upoints per AED 100)
Domestic and international (base earning rate) 10 Upoints 12.5 Upoints 15 Upoints
For all Emaar spends (excluding Emaar hospitality group and entertainment) 50 Upoints 62.5 Upoints 75 Upoints
Emaar hospitality* 55 Upoints 68.75 Upoints 82.5 Upoints
Emaar entertainment** 52.5 Upoints 65.625 Upoints 78.75 Upoints

*Emaar Hospitality in the UAE is renowned for its luxurious and distinctive hotels, resorts, and serviced residences. With an emphasis on innovation, design, and service excellence, Emaar Hospitality has become a sought-after destination for both leisure and business travellers. The impressive portfolio includes internationally acclaimed brands such as Address Hotels + Resorts, Vida Hotels and Resorts, Al Alamein Hotel, and more.

**Emaar Entertainment (LLC) is a premier operator, overseeing a remarkable collection of attractions and unparalleled experiences designed to delight, enrich, and inspire joy for everyone. Emaar Entertainment has solidified its position as the foremost provider of diverse entertainment destinations in the UAE by offering a vast range of captivating attractions that bring joy to millions of visitors. Some major destinations include - Reel Cinemas, Dubai Aquarium & Underwater Zoo, Dubai Opera, Dubai Ice Rink, Kidzania, and more.

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Interpreting Upoints on Each Emirates NBD Credit Card

As mentioned earlier, you can earn Upoints on Emirates NBD U with Emaar credit cards. We have curated the list of Upoints that can be earned as per your Emirates NBD credit card - 

1. U By Emaar Family Credit Card

You can earn Upoints on all your retail spends as tabled below –

Aspect Upoints Earned
For all Spends 1%
Spends in Emaar 5 times extra
Spends in grocery and supermarkets 25% base Upoints
Spends on fuel, government services, and telecommunication payments 10% base Upoints
For spending in Emaar malls or dining or staying at Emaar hospitality group hotels and restaurants 5% Upoints back
Fast-food restaurants, insurance, and car dealerships 25% base Upoints
Spends in European Union countries 25% base Upoints
For spending on real estate, education, transit, and petroleum 10% base Upoints
  • The maximum points you can earn on your U by Emaar family credit card is 8,333 Upoints.
  • Once the transaction is made, your Emirates NBD credit card statement will reflect the Upoints within 24 hours.

2. U by Emaar Signature Credit Card

As per your spend type, you can earn Upoints as listed below –

Aspect Upoints Earned
On Emaar spends, including Marina Mall, Dubai Mall, and Emaar communities 6.25%
On other spends 1.25%
Spends originating in European Union countries 25% of the base earning rate
Petroleum, utility payments, real estate, government services, telecommunication payments, and education 10% of the base earning rate
  • Earn 1.25 % back as Upoints on spends and 5 times for all Emaar spends.
  • The maximum points you can earn on your U by Emaar Signature Credit is 16,666.
  • The points shall be reflected on your Emirates NBD credit card statement within 24 hours of the transaction.

3. U by Emaar Infinite Credit Card

Refer to the table given below to know about the Upoints you can earn as per your transaction –

Aspect Upoints Earned
On Emaar spends 7.5%
On other spends 1.5%
Welcome offer Up to 25,000 Upoints
Supermarkets, grocery, fast-food restaurants, insurance and car dealerships 25% of the base earning rate
Spending originating in European Union countries 25% of the base earning rate
Petroleum, utility payments, real estate, government services, telecommunication payments, education 10% of the base earning rate
  • Earn up to 25,000 Upoints.
  • The maximum points you can earn on your U by Emaar Infinite Credit Card is 83,333 points.

Terms and Conditions Associated with Earning Emirates NBD Credit Card Rewards – Upoints

Prior to applying for the Emirates NBD credit card, it is essential to look for the terms and conditions associated with the Emirates NBD credit card rewards programme.

Listed below are the prominent terms and conditions for earning Upoints:

  • You will start accumulating Upoints on your card only after the card has been activated. All valid card charges are eligible to earn Upoints according to the terms provided.
  • Upoints earned, including those from valid charges, are posted on the card account statement during the statement cycle.
  • The bank reserves the right to modify the list of ineligible earnings and transactions at its discretion from time to time. The bank's decision regarding eligible earnings is final and conclusive.
  • All cards are designed for personal use in conducting retail transactions. Using a card for commercial transactions will not qualify you for the Upoints. 
  • Any applicable introductory offer on the Emirates NBD credit card is extended to new cardholders and awarded in two parts – the 'Joining Bonus' is given upon the full payment of any applicable fees upon a cardholder's enrolment in the program. The 'Spend Bonus,' if applicable, is awarded on the credit card after achieving the set spending threshold within the specified time frame. 
  • The joining bonus is only available for the primary card, not supplemental cards. However, the spend bonus applies to retail spending on both primary and supplemental cards.
  • Joining Upoints will be credited to the Account within four to six weeks of receiving the full payment of any applicable fees.
  • You will receive the Spend Bonus after completing the spending period and meeting your qualified spending threshold.
  • All Upoints earned for valid charges on supplementary cards will be transferred to the U By Emaar member account number of the primary cardholder.
  • The maximum Upoints that can be earned in a single billing cycle are capped. The cap on Upoints earned is based on the specified product limit as given below:
    • U By Emaar Family: 100,000 Upoints (100,000 Upoints divided equally across 12 months – with monthly caps).
    • U By Emaar Signature: 200,000 Upoints (200,000 Upoints divided equally across 12 months – with monthly caps)
    • U By Emaar Infinite: 1,000,000 Upoints (1 million Upoints divided equally across 12 months – with monthly caps)

How to Redeem Emirates NBD Credit Card Rewards?

With a plethora of perks and benefits on offer, it's crucial to understand the redemption process to fully maximise your Emirates NBD credit card experience.

As a cardholder, you can redeem your Emirates NBD credit card rewards – Upoints – on the spot at any participating merchant within the Emaar Mall Group, Emaar Hospitality Group, Emaar Entertainment Group, or another Emaar-associated establishment. It is to be noted that your Upoints will be converted at a rate of 10 Upoints for every AED 1 during the redemption process. Simply put, 10 Upoints = AED 1.

In addition, you can redeem your Upoints in UAE at approximately more than 2,500 stores across your favourite brands.

Step- By –Step Guide to Redeem Emirates NBD Credit Card Rewards

Follow the given steps to redeem your Upoints –

  • During your purchase using the card, notify the cashier of your intention to redeem your Upoints.
  • Specify the number of points you wish to redeem and proceed with the transaction.
  • Upon completion, the transaction slip will provide a summary of the points you have successfully redeemed.

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Where You Can Redeem Your Emirates NBD Credit Card Rewards – Upoints?

As mentioned before, you can redeem Upoints at various participating merchants. Given below are the Emaar entities where you can redeem your Upoints instantly -

Emaar Malls

  • The Dubai Mall
  • The Marina Mall
  • The Dubai Hills Mall

Emaar Hospitality Group

  • Address Dubai Mall
  • Address Downtown
  • Address Montgomerie
  • Address Boulevard
  • Address Dubai Marina
  • Sean Connolly at Dubai Opera
  • Armani Hotel (restaurants only)
  • Atmosphere, Burj Khalifa
  • Rove Hotels
  • Arabian Ranches Golf Club
  • Vida Downtown
  • Palace Downtown
  • Manzil Downtown
  • Dubai Polo & Equestrian Club

Emaar Entertainment Group

  • Kidzania
  • Dubai Ice Rink
  • Reel Cinemas
  • VR Park
  • Dubai Underwater Zoo and Aquarium
  • Dig it

Emaar Communities

  • The Meadows Souk
  • The Springs Souk
  • The Greens Souk
  • The Ranches Souk
  • Arabian Ranches Village

Other Entities

  • Burj Khalifa – At The Top
  • Pier 7
  • Dubai Opera

Terms and Conditions Associated with Redemption of Emirates NBD Credit Card Rewards – Upoints

Some general terms and conditions associated with the redemption of Upoints are given below –

  • You can redeem your accrued Upoints instantly through Loyalty Partners by using your card at the Point of Sale terminals within the Emaar ecosystem at participating partner locations, as listed on the bank's website and in the features and benefits booklet found in the welcome pack.
  • To be eligible for receiving Upoints, you must not have delinquent accounts or any account blocks. Upoints will not be retroactively credited if an account is restored to normal after being delinquent.
  • You can redeem your Upoints 24 hours after the transaction date.
  • Upoints hold no cash value and cannot be exchanged for money.
  • All aspects of Upoints, including earning, usage, and redemption, are governed by the U By Emaar Terms and Conditions.

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How to Keep Track of Your Emirates NBD Credit Card Rewards?

You can track your Emirates NBD credit card rewards via any of the following channels –

Via Mobile Banking

  • Log into the mobile banking portal.
  • Tap the three-line menu icon in the top left corner of the app, and choose 'Credit Cards.'
  • To check your current rewards, click on 'Rewards Points.'
  • To view your rewards history, click on 'Rewards Statement.'

Via Online Banking

  • Sign into your online banking portal.
  • Click on 'My Finances' and select 'Cards.'
  • Locate the card you want to view and click on 'Card Details.'
  • Under 'My Rewards Summary,' scroll down to see all your current rewards.
  • To view your rewards history, click on 'Rewards Statement.'

Via Phone Banking

  • As an alternative to online methods, you can reach out to customer care at +971 600 54 0000 and say 'track my rewards' when prompted. 

How to Apply for Emirates NBD Credit Cards?

You can apply for an Emirates NBD credit card via Policybazaar UAE online platform.  Policybazaar.ae offers several ranges of benefits to its customers. First and foremost, our platform helps you compare and choose from a variety of Emirates NBD credit card options so that you find the card that best suits your financial requirements and lifestyle. You can also avail of exclusive offers and promotions on selected cards, such as bonus Upoints, and more.

Apart from the rewards, Policybazaar.ae also provides a convenient and hassle-free application process, with dedicated customer support available to assist with any queries or concerns.

Listed below are the steps for applying for an Emirates NBD credit card via Policybazaar.ae online platform:

  • On policybazaar.ae, locate the credit cards section on the homepage.
  • Key in the details on the lead form with your personal details, including your nationality, monthly salary, residence, and more.
  • Upon submission of the form, you will be directed to the ‘Credit Cards Quotes’ page, where you can explore, compare, and apply for a suitable credit card.
  • To get the list of available Emirates NBD credit cards, use the filter option and select the bank.
  • You can get the comprehensive features, benefits, and offers of each credit card.
  • Hit the ‘Apply’ button to apply for the credit card and follow the prompted steps.

Frequently Asked Questions

Q1. How long will Upoints on my Emirates NBD credit card be valid?

Ans: The validity of Upoints will vary as per your Emirates NBD credit card and the terms & conditions associated with it.

Q2. What types of transactions for Emirates NBD credit card rewards – Upoints are eligible?

Ans: For Upoints, only retail transactions are eligible. Transactions like the debt on your card, bank fees & charges, balance transfers, cash advances, and 0% instalment plans (excluding the 0% instalment payment plan on transactions done with merchants at Emaar entities) do not qualify for the Upoints programme.

Q3. On which Emirates NBD credit card can I earn Upoints?

Ans: Transactions done by U by Emaar Family Credit Card, U by Emaar Signature Credit Card, and U by Emaar Infinite Credit Card are qualified for Upoints.

Q4. Can I exchange Upoints for cash?

Ans: No, Upoints do not hold monetary value and cannot be exchanged for cash.

Q5. How can I keep a record of my Upoints?

Ans: You can use online or mobile banking portals to keep track of your Emirates NBD credit card rewards. As an alternative, you can reach out to the bank’s customer care via phone banking to get the deets of rewards.

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