Emirates NBD U By Emaar Infinite Credit Card

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The Emirates NBD U By Emaar Infinite Credit Card is one of the best credit cards that rewards its cardholders with enriching experiences every day. From shopping, dining, and travel to entertainment and other lifestyle privileges, this Emirates NBD credit card helps its card members to make the most of their every spending. Along with this, this credit card enables its cardholders to earn Upoints in the form of reward points which can be redeemed at more than 1500 merchants and retailers across top brands. This is indeed the largest loyalty programme of its kind in the whole region, giving its cardholders amazing rewarding experience.

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

Following are some of the eminent features and benefits of this Emirates NBD credit card:

Complimentary Airport Lounge Access

Emirates NBD U By Emaar Infinite credit card members can enjoy the privilege of relaxing at premium airport lounges along with one accompanying guest. This credit card offers unlimited free access to more than 850 airport lounges across the world, irrespective of their airline or travel class.

Concierge Desk Services

Members of this credit card can enjoy the following concierge services:

  • Up to 4 airport transfers per year in the UAE.
  • Visit visa submissions at Dubai and Abu Dhabi airports 6 times a year.
  • Pick-up and delivery of a car for car servicing and registrations in Dubai Abu Dhabi once a year.
  • Local courier facilities within the UAE a maximum of 12 times a year.

Valet Parking

Card members are given a free valet parking service at The Grand Parking in the Dubai Mall.

The Fashion Lounge Access

Members of this ENBD credit card can avail complimentary access to ‘The fashion Lounge’ at The Dubai Mall along with one accompanying guest

Free Services at Dubai Mall

Card members can enjoy free delivery service at the Dubai Mall. In addition to this, they can enjoy complimentary mall chauffeur service at “The Fashion Lounge” at the Dubai Mall.

Visa Benefits

Card members can enjoy a wide range of visa benefits and they are as follows:

  • Medical and Travel Assistance: Card members can travel the world knowing their elite status will keep them protected. Moreover, the cardholder can enjoy the following services:
    • Medical advice on telephone
    • Medical service provider referral
    • Legal referral
    • Interpreter referral
    • Medical evaluation & repatriation
    • Monitoring medical condition pre and post hospitalization
    • Delivery of essential equipments and medicines
    • Dispatch of physician to a current location of the cardholder.
  • Worldwide Customer Assistance Services: This service is provided to card members for giving them the personal support & top-class customer service during their travel thereby offering the following essential services when they require it the most:
    • Emergency replacement of a card
    • Emergency payment authorization
    • Reporting of a lost or stolen credit card
    • Emergency cash of USD 5000 (maximum)
  • Concierge digital services: The card member can enjoy access to concierge digital services in addition to email & telephone service.

Contactless Payments

Cardholders are given the facility to make payments easily and quickly by utilizing the contactless payments feature. They can use their phone or smartwatch for making secure as well as quick transactions. 

Easy Installment Plans (EPP)

The Emirates NBD credit card EPP feature allows its card members to convert their credit card retail purchases made at selected outlets into easy to pay monthly installments at 0 rate of interest for a tenure period of 6 to 12 months.

Salik Top-Up

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

Utility Bill Payments

With the Emirates NBD U By Emaar Infinite Credit Card, cardholders can easily pay their Empost, DEWA, and Etisalat bills online in a hassle-free manner.

No-Interest Period

The Emirates NBD credit card grants the cardholder a maximum of 55 interest-free days, provided the cardholder continues to pay their outstanding balance in full, by the payment due date.

Flexible Options of Payments

This ENBD credit card offers the facility to make payment as minimum as 5% of the outstanding balance each month, carrying forward the remaining balance to the following statement.

Cash Withdrawal Facility

 With the Emirates NBD credit card, the cardholder can withdraw cash up to 50% of the total credit limit as instant cash at more than 810,000 ATMs or over the counter at the Emirates NBD branches all over the world.

Security and Convenience

Card members stay covered with this ENBD card, no matter where they go through the facilities of round the clock online access and assistance along with the SMS alerts for every transaction sent by the bank.

Online Access

Cardholders can get online access to their card account that enables them to see card transactions as well as balances. In addition to this, they are given an option to make payments from this Emirates NBD account.

24x7 Roadside Assistance

The cardholder can enjoy round the clock roadside assistance on a complimentary basis. This free service includes recovery service, battery boosting, fuel delivery, and towing services and it can be availed three times in one year.

DoubleSecure

Emirates NBD DoubleSecure is a security feature that lets its cardholder to shop at participating online merchants safely and confidently.

All they are required to enter a one-time authentication code when they make a transaction using this ENBD credit card. The code will be sent as an SMS on the registered mobile number of the cardholder. However, card members will also get the code on their registered email address. In this manner, even if the third person knows the card number, he/she will not be able to complete the transaction without the authentication code. 

Protect Plus Insurance

Card members are automatically enrolled in the Protect Plus Insurance and they can enjoy the spending power of their credit card with the assurance that in case of unfortunate circumstances, their ENBD credit card outstanding amount will be taken care of. Basically, card members can enjoy 2 months Protect Plus insurance cover on a complimentary basis and pay a nominal rate on their credit card outstanding balance amount thereafter. This insurance covers job loss cover, death, critical illness, hospital cash benefit, and permanent total disability.

Purchase Protection

All the new products or items that have been bought using this Emirates NBD U By Emaar Visa Infinite Credit Card will be protected against accidental damage or theft for up to one year from the date of purchase.

Extended Warranty

Card members can be eligible for the extended warranty benefit by paying for their purchases and items bought using this credit card. The extended warranty automatically doubles the original manufacturer’s warranty for all those products or items that have been purchased using this Emirates NBD Credit Card.

Multi-Trip Travel Insurance

This card offers multi-trip travel insurance to its card members. Here are the coverage details:

  • Personal accident benefits for a maximum of USD 500,000 (international).
  • Personal accident benefits for a maximum of USD 100,000 (local).
  • Hospital daily cash $100/per day for a maximum of USD 3000.
  • Emergency medical expenditures for a maximum of USD 1,000,000.
  • Repatriation & evacuation expenditures for a maximum of USD 500,000.
  • Delayed departure for a maximum of USD 1000.
  • Trip cancellation or curtailment for a maximum of USD 7500
  • Personal belongings loss for a maximum of USD 2500.

*Please note that it covers the primary cardholder, spouse, and 5 children (maximum), age limit of 80 for all people.

Fraudulent Card Misuse Protection

This Emirates NBD credit card is protected against fraud or unauthorized transactions that can be made by unknown third parties. This insurance advantage will offer reimbursement of US$ 3000 (maximum) per occurrence with US$ 5000 annual aggregate limit.

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

Here is a rundown on the top offers and rewards of this Emirates NBD Credit Card:

Upoints- Reward Program

Members of the Emirates NBD U By Emaar Infinite Credit Card are given an automatic enrollment into the reward program i.e. known as Upoints. Card members can earn Upoints on their every spending and redeem the accumulated points at more than 1500 stores across their favourite brands.

Following is the number of Upoints that the member of this credit card can earn in different categories:

  • Cardholders can earn 1.5% Upoints on all spends.
  • Card members can enjoy 5 times more Upoints when they spend in Emaar.
  • Cardholders can earn 25% of the base Upoints when they spend on Insurance, Car dealership expenses, quick service restaurants, Grocery and supermarkets spends.
  • Members of this ENBD credit card can earn 25% of the base Upoints on all retail spends originated in European Union Countries.
  • Cardholders can earn 10% of the base Upoints when they spend on Transit, Telecommunication bill payments, Government and Petroleum services.

Bon Appetite-Dining Program

Under this dining program, members of this Emirates NBD credit card can enjoy a maximum of 30% discount at over 2000 Bon appetite restaurants all over the United Arab Emirates.

Discount On Air Tickets & Holiday Packages

Emirates NBD credit card offers amazing travel discounts for avid travellers. Members of this credit card can enjoy a 3% discount on flight tickets and up to 7% discount on holiday packages. These discounted offers can be accessed through the Travel Desk of Emirates NBD.

Visa Offers

Below are some of the exclusive offers that the cardholder can enjoy with this ENBD credit card:

  • Airport Dining Discount Program: Cardholders can avail exclusive discount on 200+ restaurants across the world, made up of key locations in MENA home markets & travel corridors. All they are need to download the DragonPass Dine & Travel mobile app and register their card to enjoy these exclusive dining discounts. Please note that the discount might vary from merchant to merchant. However, the discount will be display in the mobile app.
  • Fairmont Offers: The cardholder can avail 15% discount by booking 2 Nights at the participating Fairmont hotels using this ENBD credit card.
  • com Offers: Being a member of this credit card, one can avail 8% off on hotel booking through the Hotels.com. All they need to use the promo code “VISA8” to enjoy this offer.
  • Avis Car Rental: Following exclusive offers are available at AVIS for the members of the Emirates NBD U By Emaar Infinite Credit Card:
    • 35% off (maximum) on standard rates.
    • 30% off (maximum) on international leisure rates.
  • The Entertainer: Cardholders can avail BOGO offers at selected merchants in the UAE, Qatar, Oman, Bahrain, KSA, Kuwait, Jordan, and Lebanon. Other than that, they can enjoy access to over 5000 discounts on attractions & excursions in key travel destinations.
  • Bicester Village Shopping Collection: The Bicester Village Shopping Collection is basically a collection of luxury brand outlet villages providing the previous seasons’ collections of the top lifestyle brands with 60% discount (maximum) the recommended retail price. Moreover, card members can avail access to:
    • Enjoy 15% discount on the ticket price for the shopping express luxury coach service, shopping packages, and chauffeur drive facility.
    • Avail a VIP voucher for with extra 10% off on purchases at any of the Bicester Village shopping collection locations across Europe.

Golf Benefits

Members of this ENBD credit card can enjoy a free round of golf at 5 leading golf courses throughout the UAE including Trump Golf Club, Sharjah Golf & Shooting Club, Yas Links Golf Club, Arabian Ranches Golf Club, and The Track Meydan Golf Club. This free golf benefit can be availed two times in a month.

Careem Discount

Members of this ENBD credit card can enjoy 50% off with Careem.

BOGO Offers on Movie Tickets

The member of this ENBD credit card can get one movie ticket absolutely free on booking a ticket with Reel Cinemas. In addition to this, card members will also get free drinks and popcorn with every movie.

Discounted Offers

  • The card member will get 10% off on hotel bookings with this credit card. Additionally, they will get a complimentary upgrade to a suite room when booked directly through the official website of the Emaar.
  • Members of this Emirates NBD credit card can enjoy 20% off on Spa at various Emaar Hospitality venues.
  • The cardholder can enjoy a 30% discount (maximum) on dining 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.
  • In order to add more fun to life, the Emirates NBD U By Emaar Infinite Credit Card offers its cardholder 30% discounts (maximum) on entertainment at Emaar Entertainment Group which includes The Dubai Underwater Zoo, Dubai Ice Rink, and KidZania, helping them to live their life to the fullest.

Other Lifestyle Offers

Emirates NBD offers the facilities of GoodTimes as well as LiveWell that provides the card members with exclusive lifestyle & entertainment experiences, and several fitness activities.

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

In order to be eligible for this ENBD credit card, the applicant must have a minimum monthly income of AED 30,000.

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

The following table contains the various fees & charges applicable to this Emirates NBD Credit Card:

Fees & Charges Amount

Annual Membership Fees

AED 1500

Monthly Finance Charges

3.09%

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 19, 2020)

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FAQs on Emirates NBD U By Emaar Visa Infinite Credit Card

Q1: What is the ENBD U By Emaar Visa Infinite Credit Card All About?

Ans: The Emirates NBD U By Emaar Visa Infinite Credit Card is a co—branded card between ENBD & Emaar Group. The Emaar loyalty program U By Emaar operates throughout the Emaar Entertainment and Hospitality Group offering its potential customers a wide range of reward points (Upoints), exclusive discounts, and benefits.

Q2: Can I get avail the valet parking service?

Ans: Yes, all the Emirates NBD U By Emaar Infinite credit card members are given a free valet parking service at The Grand Parking in the Dubai Mall.

Q3: Where can I redeem my Upoints rewards points?

Ans: You can easily redeem the accumulated Upoints at more than 1500 retailers and merchants within participating Emaar entities. Also, note that 10 Upoints are equals to AED 1 upon redemption.

Q4: Is the BOGO offer at REEL Cinemas capped?

Ans: Yes, this BOGO offer at REEL cinemas is capped to three complimentary movie tickets per user in a given month.

Q.5. Can I withdraw cash using the Emirates NBD U By Emaar Visa Infinite Credit Card?

Ans: Yes, you can withdraw cash up to 50% of your ENBD U By Emaar Visa Infinite Credit Card limit.