The following article provides in-depth information on Emirates Islamic Bank auto debit credit card payments via both mobile and online banking methods.
Emirates NBD, a leading institution in the banking industry in the UAE, offers a wide range of banking products and credit facilities. Credit cards are one such product in the list, with Emirates NBD credit cards allowing users to conveniently make payments and get offers as well as complimentary services.
In this article, we will cover the Emirates NBD U by Emaar Family credit card, which is popular due to its vast range of benefits, features, eligibility standards, complimentary services, distinctive rewards, offers & discounts, attractive interest rates, and more.
Let’s start with the key features of the Emirates NBD U by Emaar Family credit card.
Mentioned below are the major features and benefits of Emirates NBD U by Emaar Family credit card –
If you qualify for the card you will automatically be enrolled into the U by Emaar loyalty programme. You can earn Upoints on daily purchases and payments and also redeem the accumulated points through instant redemption from loyalty partners.
Depending on the type of spending, you can earn Upoints per AED 100 as mentioned in the table -
|Type of Spend||Upoints earned per AED 100 on U by Emaar Family Credit Card|
|Domestic and international (base earning rate)||10|
|All other spends at Emaar apart from Emaar hospitality and entertainment||50|
One of the most remarkable benefits of having an Emirates NBD U by Emaar Family credit card is that you can earn Upoints, which can be redeemed at various participating merchants at the Emaar mall group, Emaar entertainment group, Emaar hospitality group, or any other Emaar entity.
This can be done using your U by Emaar Family credit card at the Point of Sale (POS) terminals in partner locations. Upoints are redeemable at a conversion rate, which states that AED 1 is equivalent to 10 Upoints.
To redeem the Upoints at the mentioned locations, follow these steps -
Given below are the locations where you can redeem your Upoints instantly and avail of the benefits:
|Emaar Malls||Emaar Hospitality Group||Emaar Communities||Emaar Entertainment Group||Other Entities|
The interest rate for the Emirates NBD U by Emaar Family credit card is 3.25% per month. The minimum required payment is 5% of the outstanding amount or AED 100, whichever is higher.
Check out the table below for the eligibility criteria for Emirates NBD U by Emaar Family credit card –
|Parameters||Eligibility Standard for U by Emaar Family credit card|
|Minimum salary||AED 5,000|
|Employment type||For salaried and self-employed individuals|
Keep the following stack of documents while applying for Emirates NBD U by Emaar Family credit card –
Here are some of the major terms and conditions of Emirates NBD U by Emaar Family credit card –
Tabled below is the schedule of fees and charges associated with Emirates NBD U by Emaar Family credit card –
|Parameters||Applicable Fees on U by Emaar Family Credit Card|
|Minimum monthly repayment||5% of the closing balance outstanding or AED 100, whichever is higher. If the closing balance is less than AED 100, the amount has to be paid in full|
|Cash advance fee||
|Interest-free period||Up to 55 days for retail purchase with fees and charges - it does not apply to cash advances, special promotions, balance transfers, or fees related to these balance types.|
|Late payment fee||AED 241.50 per month|
|Over limit fee||AED 292.95 per month|
|Replacement card fee||AED 21|
|Instalment cancellation or pre-closure fee||1.05% of the outstanding principal amount|
|No liability or liability letter||AED 52.50|
|Foreign currency transaction fee||1.99% currency conversion fee for all transactions occurring outside UAE|
|Return payment fee||AED 105|
|Duplicate statement copy||
|Sales voucher copy||AED 10.50|
|Issuance of a secret PIN||Free|
|Issuance of supplementary card||Free|
|All Emirates NBD Credit Cards to Apply|
|Emirates NBD Skywards Signature Credit Card||Emirates NBD Dnata Platinum Credit Card|
|Emirates NBD Skywards Infinite Credit Card||Emirates NBD Manchester United Credit Card|
|Emirates NBD Visa Infinite Credit Card||Emirates NBD Webshopper Credit Card|
|Emirates NBD U By Emaar Visa Credit Card||Emirates NBD Go4it Platinum Credit Card|
|Emirates NBD Mastercard Titanium Credit Card||Emirates NBD Go4it Gold Credit Card|
|Emirates NBD Visa Platinum Credit Card||Emirates NBD Marriott Bonvoy World Mastercard Credit Card|
|Emirates NBD Diners Club Credit Card||Emirates NBD Mastercard Platinum Credit Card|
|Emirates NBD Dnata World Credit Card||Emirates NBD Duo Credit Cards|
|Emirates NBD Lulu 247 Mastercard Platinum Credit Card||Emirates NBD Lulu 247 Mastercard Titanium Credit Card|
|Emirates NBD U By Emaar Signature Credit Card||Emirates NBD U By Emaar Infinite Credit Card|
|Liv. World Credit Card||Liv. Platinum Credit Card|
Ans: The notable benefit of the Emirates NBD U by Emaar Family credit card is that you can earn Upoints on your spends and redeem them at the partnered merchants to avail of the benefits and cashback offer at no annual fee.
Ans: No, your Upoints will be transferred to your new Emirates NBD U by Emaar Family credit card.
Ans: You can earn Upoints only on retail transactions. For transactions related to a loan, cash advances, bank fees & charges, balance transfers, and so on, you won’t earn any Upoints.
Ans: You can visit Policybazaar UAE and easily apply for an Emirates NBD U by Emaar family credit card from the comfort of your home. As an alternative, you can apply for the card on the Emirates NBD official website or mobile application.
Ans: If you do not pay the monthly repayments on your card, your account will go into arrears and adversely impact your credit score.