Emirates NBD U By Emaar Family Credit Card

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The Emirates NBD U By Emaar Family Credit Card redefines the meaning of exclusivity. Apart from being one of the best credit cards in the UAE, this Emirates NBD credit card provides exclusive benefits and offers that other credit cards simply can’t match. It rewards its card members with enriching dining, entertaining, shopping, and stay experiences. The variety of benefits and offers are so incredibly diverse that they allow the card members to enjoy their life to the fullest. In order to create more added value to the customers, Emirates NBD U By Emaar Family Credit Card has indulged in one of the most distinctively rewarding programme that is absolutely easy to use and redeem.

Features & Benefits of the Emirates NBD U By Emaar Family Credit CardEmirates NBD U By Emaar Family Credit Card

Let’s have a look at the key features and benefits of this Emirates NBD Credit Card:

Contactless Payments

Members of the Emirates NBD U By Emaar Family Credit Card are given the convenience to make payments very easily & quickly just by using the contactless payments feature. All they are required to use their phone or Smartwatch for making fast and secure transactions. 

Easy Installment Plans

The card offers the easy installment plans facility that entitles its cardholder to split their credit card’s retail purchases made at participating merchants into monthly instalments at 0 percent interest rate for a tenure of six or twelve months.

Salik Auto Top-Up

This Emirates NBD credit card includes the option of setting up automatic Salik recharge either through online banking or mobile banking as soon as the balances reduce. The credit limit on the credit card is used up to the extent of the top-up amount.

Utility Bill Payments

Cardholders can easily pay their DEWA, Empost (Emirates Post), and Etisalat bills online using this card within a matter of a few minutes only.

Interest-Free Period

This card grants the card member as high as 55 interest-free days, provided the card member continues to pay their outstanding amount balance in full, by the payment due date.

Instant Cash

The cardholder can avail access to a maximum of 50% of the total credit limit as instant cash at more than 810,000 ATMs globally or over the counter at any Emirates NBD branch across the globe which displays the Mastercard or VISA logo.

Flexible Options of Payments

The Emirates NBD U By Emaar Family Credit Card provides the convenience to make payment as low as 5% of the outstanding amount each month, carrying forward the remaining balance to the next month’s billing statement.

Security Privileges

Card members remain covered with this ENBD credit card, no matter where they go through the exclusive facilities of 24/7 online access and assistance along with the SMS alerts for every transaction sent by the bank.

24x7 Roadside Assistance

Emirates NBD U By Emaar Family Credit Card members can avail round the clock roadside assistance on a complimentary basis. This free service includes fuel delivery, battery boosting, recovery service, and towing services. Cardholders can enjoy this facility three times in a year.

Online Access

Members of this Emirates NBD credit card can enjoy online access to their card account that entitles them to check their card transactions & balances. Also, they will have the privilege of making payments from this ENBD account.

Protect Plus Insurance

Card members are automatically enrolled in the Protect Plus Insurance where they can enjoy the spending power of their ENBD credit card with the assurance that in case of unforeseen situations, their credit card’s outstanding amount will be taken care of. Members of this card can enjoy two months free Protect Plus insurance cover and pay a nominal rate on their card outstanding balance thereafter. It covers hospital cash benefit, critical illness, job loss cover, permanent total disability, and death.

Purchase Protection

The Emirates NBD U By Emaar Visa Family Credit Card offers purchase protection for damaged, lost, or stolen goods that have been bought using this card.

Extended Warranty

Card members can enjoy the benefit of an extended warranty by using this Emirates NBD credit card for their purchases and purchasing items/goods through it. The extended warranty automatically doubles the original manufacturer’s warranty for all those products/items that have been purchased using this Card.

International Medical & Travel Assistance

The International & Travel Assistance helps its card members as well as their family when they are travelling together to any destination outside their country of residence for a maximum of 90 days.

Double Secure

ENBD DoubleSecure is an online authentication tool that provides the additional security and ensures peace of mind every time the cardholder makes any purchase online at participating Verified by Mastercard/Visa secure code’s merchant website through the Emirates NBD U By Emaar Family Credit Card.

This security feature ensures that only the cardholder can complete the online transaction using their ENBD credit card since it requires them to enter a one-time authentication code which will be sent on their registered email address and/or mobile number, every time they make an online transaction on participating websites. In such a way, even if anyone knows the card number, he/she will not be able to make the transaction successfully without entering the authentication code.

Rewards & Offers on Emirates NBD U By Emaar Family Credit Card

Given below are some of the main offers & rewards on this Emirates NBD Credit Card:

Upoints- Reward Program

Emirates NBD U By Emaar Family Credit Card members are enrolled in the loyalty reward program that is none other than Upoints. Cardholders can earn Upoints on all spends and then redeem the accumulated reward points at more than 1500 retailers and merchants on their most favourite brands.

Being a member of this card, one can earn the following number of reward points in different categories:

  • 1% Upoints can be earned on all spends.
  • 5 times more Upoints can be earned when the card members spend in Emaar.
  • 25% of the base Upoints can be earned when the card members spend on Car dealership expenses, Insurance, quick service restaurants, Grocery and supermarkets.
  • 25% of the base Upoints can be earned when the card members spend on all retail spends originated in European Union Countries.
  • 10% of the base Upoints can be earned when the card members spend on Transit, Telecommunication bill payments, Government and Petroleum services.

Bon Appetit Dining Program

This Emirates NBD credit card enables its card members to avail a maximum of 30% discount at over 2000 Bon appetite restaurants throughout the United Arab Emirates.

Discount On Holiday Packages & Flight Tickets

In order to turn its card member’s travel dream into reality, the bank offers exclusive travel discounted offers. Members of the Emirates NBD U By Emaar Family Credit Card can enjoy a 3% off on air tickets and a maximum of 7% off on holiday packages. These discounted offers can be accessed through the ENBD Travel Desk.

BOGO Offers on Cinema Tickets

With this ENBD credit card, cardholders can enjoy ‘buy one get one free’ movie tickets when booked through REEL Cinemas.

Shopping Offers

Card members can get 5% back when they shop at Emaar Malls using this Emirates NBD Credit Card.

Dining Offers

Card members can enjoy 5% back when they dine at Emaar Hospitality Group.

Discounted offers:

  • Cardholders can avail 10% discount on hotel stays.In addition to this, they will get a complimentary upgrade to a suite room on hotel stays when booked directly through the Emaar’s official website using this ENBD credit card.
  • Member of this Emirates NBD credit card can enjoy 20% off on Spa at various Emaar Hospitality venues.
  • The cardholder can enjoy a maximum of 20% discount on F&B at the Emaar Hospitality Group. The list of all participating restaurants can be found on the official website of the U By Emaar in the ‘Dine’ section.
  • The Emirates NBD U By Emaar Visa Family Credit Card offers its cardholder 30% discounts on entertainment at Emaar Entertainment Group such as KidZania Dubai, The Dubai Underwater Zoo, and Dubai Ice Rink.
  • Card members can enjoy 5% back when they stay at Emaar Hotels.

Other Lifestyle Offers

ENBD offers the privilege of LiveWell & GoodTimes where the members of this Emirates NBD credit card can enjoy exclusive entertainment and lifestyle experiences along with an array of fitness activities.

Eligibility criteria for applying the Emirates NBD U By Emaar Family Credit Card

In order to be eligible for this credit card, the applicant must have a minimum monthly income of AED 5,000.

List of required Documents to Apply for Emirates NBD U By Emaar Family Credit Card

The documents which are required to apply for this ENBD Credit Card are as follows:

  • Emirates ID (original and a copy)
  • Copy of Password for Identification purpose.
  • Latest salary certificate (only for salaried individuals)
  • Trade License (only for non-individuals)
  • Bank statement of the last 3 months (if bank statements aren’t original, a mini statement printed from an ATM has to be submitted)
  • Security Cheque

Fees & Charges on Emirates NBD U By Emaar Family Credit Card

The below-mentioned table includes the various fees & charges applicable to this Emirates Credit Card:

Fees & Charges Amount

Annual Membership Fees

AED 0

Monthly Finance Charges

3.25%

Cash Withdrawal or Advance Fee

AED 99 or 3% of the total amount (whatever higher)

Late Payment Charge

AED 230

Over-Limit Charge

AED 279

Foreign Currency Transaction Charges

Non- AED purchases- 1.99%

AED purchases- 1.99%

Card Replacement Fees

AED 20

Charges on Return on Direct Debit or Cheque

AED 100

Insurance Fee

0.99% on the present balance within the billing period (initial 2 months free)

International Delivery Charge

AED 150/Per credit card

0% Installment Plan Fees

AED 49 (on each transaction)

Cancellation Fees

3% on principal outstanding or AED 250 (whichever is higher)

(Updated as on August 20, 2020)

FAQs on Emirates NBD U By Emaar Family Credit Card

Q1: What is ENBD DoubleSecure all about?

Ans: It is basically an online authentication tool that provides you additional security and ensures peace of mind every time you make any purchase online at participating Verified by Mastercard/Visa secure code’s merchant website through the Emirates NBD U By Emaar Family Credit Card.

This security feature ensures that only you can complete the online transaction using your card since it requires you to enter a one-time authentication code which will be sent on your registered email address and/or mobile number, every time you make an online transaction on participating websites. In short, it reduces the risk of fraudulent online transactions on your credit card.

Q2: Can supplementary card members also enjoy all the benefits of U ByEmaar?

Ans:  No. All the benefits of U By Emaar are only applicable to primary Emirates NBD U By Emaar Family Credit Card members. To get more information about the benefits of ‘U By Emaar’, you can go through the Emirates NBD official website.

Q3: What am I supposed to do If my credit card gets lost or stolen?

Ans: If your card gets lost or stolen, you should immediately inform the bank about missing card by calling on 600 54 0000 within UAE and +971 600 54 0000 outside the UAE. This should be done from your end as soon as it is possible so as to prevent any kind of fraudulent activities that might happen with your missing card. After that, the concerned department of the bank will talk to you about a replacement card. Please keep in mind that the bank will levy a card replacement fee of AED 20.

Q4: What is the ENBD Installment payment plan all about?

Ans: The installment payment plan is one of a kind feature of the Emirates NBD U By Emaar Family Credit Card. It enables you to buy your heart’s content with this card and pay conveniently in monthly installments at no interest rate for a tenure of 6 or 12 months.st.

Q5: What is Upoints?

Ans: Upoints is the points currency that is associated with the ‘U By Emaar’ reward program.