Emirates NBD U By Emaar Family Credit Card

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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.

Features and Benefits of 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 –

  • The minimum monthly income required to apply for the U by Emaar Family credit card is AED 5,000
  • Once you qualify for the eligibility criteria, the card will be free for a lifetime 
  • Get exclusive discounts on dining and movie, such as buy 1 get 1 offer on movie tickets at Reel cinemas and more
  • Enjoy a 30% discount on Emaar attractions including Dubai Ice Rink, Dubai Underwater Zoo, and Kidzania
  • Earn Upoints on all your spends

ENBD U By Emaar Family Credit Card

How to Earn Rewards on 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 
Emaar hospitality 55
Emaar entertainment 52.5
All other spends at Emaar apart from Emaar hospitality and entertainment  50
  • Get 1% Upoints on all spends and 5 times extra on all Emaar spends
  • Using U by Emaar Family credit card in supermarkets, insurance, car dealerships, fast-food restaurants, and grocery can help you to earn 25% of the base earning rate
  • For spending related to government services, transit, real estate, utility payments, education, fuel and telecommunication payments, get Upoints at 10% of the base earning rate
  • Earn points at 25% of the base earning rate for the spends originating in European Union countries
  • Obtain 8,333 points per a statement on U by Emaar Family credit card.
  • The Upoints will be reflected on your card and your U by Emaar account within 24 hours of the transaction.

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How to Use Your Emirates NBD U by Emaar Family Credit Card to Redeem Upoints?

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 -

  • Inform the cashier that you would like to redeem your Upoints while making any transaction or purchase with your Emirates NBD U by Emaar Family credit card
  • Inform the cashier about the number of points you would like to redeem. You can redeem the points in one transaction or separate and different transactions.
  • Once the payment is completed, you will receive the transaction slip containing the number of points you have redeemed for that particular transaction.

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 Dubai Mall
  • Marina Mall
  • Dubai Hills Mall
  • Address Dubai Marina
  • Address Montgomerie
  • Vida Downtown Address Dubai Mall
  • Address Boulevard
  • Address Downtown
  • Sean Connolly at Dubai Opera
  • Palace Downtown
  • Atmosphere, Burj Khalifa
  • Manzil Downtown
  • Rove Hotels
  • Arabian Ranches Golf Club
  • Dubai Polo & Equestrian Club
  • Armani Hotel (restaurants only)
  • The Greens Souk
  • Arabian Ranches Village 
  • The Springs Souk
  • The Meadows Souk
  • The Ranches Souk
  • Dubai Underwater Zoo and Aquarium
  • Kidzania 
  • Dig it
  • VR Park
  • Dubai Ice Rink
  • Reel Cinemas
  • Pier 7
  • Dubai Opera
  • Burj Khalifa – At The Top

What are the Interest Rates on Emirates NBD U by Emaar Family Credit Card?

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.

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What are the Eligibility Criteria for Emirates NBD U by Emaar Family Credit Card?

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

What documents are required to Apply for Emirates NBD U by Emaar Family Credit Card?

Keep the following stack of documents while applying for Emirates NBD U by Emaar Family credit card –

  • Emirates ID (original and a copy)
  • Copy of passport
  • Salary certificate for salaried individuals
  • Trade licence for self-employed individuals
  • Mini ATM statements or the latest three original bank statements
  • Based on the credit limit, a security cheque may be required (applicable if the approved limit is more than AED 20,000)

Terms and Conditions of 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 –

  • You will be automatically a part of the U by Emaar loyalty programme once you get an Emirates NBD U by Emaar Family credit card.
  • Your card will be linked to your new card account for the loyalty programme, transfer of Upoints, and more.
  • The U by Emaar programme uses your mobile number and email address to provide all relevant information related to your card.
  • You can earn points on your card account only after your credit card is activated.
  • There are some transactions on which you cannot earn Upoints, including balance transfers, fees and charges paid to the accounts, cash advances, and more.
  • Emirates NBD U by Emaar Family credit card can only be used for personal transactions - you cannot earn Upoints on any commercial transactions.
  • An introductory offer will be applied to your card, which will be awarded in two parts – Joining Bonus and a Spend bonus. The joining Bonus will only be available on the primary card and would be granted upon payment of the total applicable fees. However, a spend bonus will be available on both primary and supplementary cards and awarded to achieve the set spend threshold within a stipulated time frame.
  • Any fees associated with your card are not refundable.
  • The maximum Upoints that you can earn in a billing cycle will be capped. Emirates NBD U by Emaar Family credit card cap on Upoints is given below: 
    • 100,000 points (100,000 Upoints divided equally across 12 months – with monthly caps)
  • You will not be eligible to receive Upoints if you have any block on your account
  • You can view all the details related to Upoints on www.ubyemaar.com and the online or mobile application of Emirates NBD.
  • Upoints cannot be exchanged for cash and have no monetary value.

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Fees and Charges on 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
Annual fee Free
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
  • 3.15% of the cash advance amount or AED 103.95, whichever is higher
  • Maximum cash advance limit – 50% of the credit card limit
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
  • For the last three months – AED 15.75
  • For more than 3 months – AED 47.25
Sales voucher copy AED 10.50
Issuance of a secret PIN Free
Issuance of supplementary card Free

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Q1. What is the benefit of Emirates NBD U by Emaar Family 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.

Q2. Will I lose my Upoints if my U by Emaar Family credit card is replaced?

Ans: No, your Upoints will be transferred to your new Emirates NBD U by Emaar Family credit card.

Q3. Are all transactions eligible to earn Upoints on my 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.

Q4. How can I apply for Emirates NBD U by Emaar Family credit card?

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.

Q5. What will happen if I do not pay monthly repayments on my U Emaar family credit card?

Ans: If you do not pay the monthly repayments on your card, your account will go into arrears and adversely impact your credit score.

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