Emirates NBD U By Emaar Signature Credit Card

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The Emirates NBD U By Emaar Signature Credit Card is the exclusive credit card that is known for its amazing benefits, diverse features, and modified services. In addition to this, members of this card are automatically enrolled into the ultimate reward programme where they can earn Upoints on their all spends and then redeem the reward points at more than 1500 merchants and retailers across their favourite brands. This is one of the largest loyalty programme of its kind in the UAE, enabling its card members to have an ultimate rewarding experience.

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

Here are some of the eminent features & benefits of this Emirates NBD Credit Card:

Complimentary Airport Lounge Access

Emirates NBD U By Emaar Signature credit card members can enjoy the unlimited free access to over 850 premium airport lounges along with one accompanying guest all over the globe irrespective of the travel class or airline.

Free Delivery Service

As a member of this Emirates NBD credit card, one can avail free delivery service at The Dubai Mall.

Visa Benefits

The cardholder can avail plenty 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

Card members are provided with the facility to make payments easily and quickly by utilizing the feature of contactless payments. They can use their phone or Smartwatch for making secure & quick transactions. 

Easy Installment Plans

The Emirates NBD credit card offers the facility of easy installment plans that allows its card member to convert their credit card retail purchases made at selected outlets into easy to pay monthly installments at a 0% interest rate for a tenure period of 6 or 12 months.

Salik Top-Up

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

Utility Bill Payments

With the Emirates NBD U By Emaar Visa Signature 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 due date of payment.

Instant Cash

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

Flexible Options of Payments

This Emirates NBD card provides the convenience to make payment as low as 5% of the outstanding amount each month, carrying forward the remaining balance to the following statement.

Security Privileges

Cardholders remain fully covered with this Emirates NBD credit card, no matter where they go through the excellent facilities of 24x7 online access and assistance along with the SMS alerts for each transaction sent by the ENBD.

Online Access

Cardholders can avail online access to their card account that allows them to check card transactions & balances. Plus, they are provided an option to make payments from their Emirates NBD account.

24x7 Roadside Assistance

Being a member of this ENBD credit card, one can enjoy 24/7 free roadside assistance. This complimentary service includes battery boosting, recovery service, fuel delivery, and towing services and it can be availed 3 times in a year.

Protect Plus Insurance

Emirates NBD U By Emaar Signature Credit card members are automatically enrolled in the Protect Plus Insurance where they can enjoy the spending power of their card with the assurance that in an event of unfortunate situation, their card’s outstanding balance will be taken care of. The cardholder can avail 2 months free Protect Plus insurance cover and pay a nominal rate on their credit card outstanding balance thereafter. It covers permanent total disability, critical illness, job loss cover, death, and hospital cash benefit.

Purchase Protection

This card offers purchase protection for lost, damaged or stolen goods purchased using this Emirates NBD U By Emaar Visa Signature Credit Card.

Extended Warranty

Cardholders may take the benefit of an extended warranty by paying for their purchases and items purchased using this card. The extended warranty automatically doubles the original manufacturer’s warranty for all those items or products bought through this ENBD Credit Card.

DoubleSecure

ENBD DoubleSecure is a security feature that entitles its card member to shop at participating online merchants in the safest manner.  

Card members just need to enter a one-time authentication code when they make any transaction using this card. Well, the authentication code will be sent as an SMS on the registered mobile number or the registered email address of the cardholder. In this way, even if someone already knows the credit card number, they will not be able to complete the transaction without entering that authentication code.

Multi-Trip Travel Insurance

The Emirates NBD U By Emaar Visa Signature Credit Card offers multi-trip travel insurance to its cardholders. Here are the details of coverage:

  • Personal accident benefits for a maximum of USD 500,000 (international).
  • Personal accident benefits for a maximum of USD 50,000 (local).
  • Hospital daily cash $50/per day for a maximum of USD 1500.
  • Emergency medical expenditures for a maximum of USD 150,000.
  • Repatriation & evacuation expenditures for a maximum of USD 500,000.
  • Trip cancellation or curtailment for a maximum of USD 5000.
  • Delayed baggage USD 42/per hour for a maximum of USD 500.
  • Delayed departure USD 42/per hour for a maximum of USD 1000.
  • Personal belongings loss for a maximum of USD 150.

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

Fraudulent Card Misuse Protection

The Emirates NBD U By Emaar Signature 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$ 2500 (maximum) per occurrence with US$ 4000 annual aggregate limit for all cardholders.

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

Given below are the top offers and rewards of this U By Emaar Signature Credit Card offered by the Emirates NBD:

Upoints- Reward Program

Emirates NBD U By Emaar Signature Credit Card members are given an automatic enrolment into the loyalty reward program which is known as Upoints. Cardholders can earn Upoints on their every spending and then redeem the accumulated reward points at over 1500 merchants and retailers across their most favourite brands.

Following is the number of Upoints that the cardholder can earn in different categories:

  • The card member can earn 1.25% 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 Appetit Dining Program

Under this dining program, card members can enjoy up to 30% discount at 2000+ Bon appetite restaurants all over the United Arab Emirates.

Visa Offers

The cardholder can enjoy the following visa offers:

  • Airport Dining Discount Program: The card member can get discount on more than 200 restaurants throughout the world, made up of key locations in MENA home markets & travel corridors. They just need to download the mobile app called “DragonPass Dine & Travel” and register this ENBD credit card in order to avail these amazing dining discounts. The discount might differ from merchant to merchant. However, the card member will be able to see the discounted offer in the mobile app.
  • Fairmont Offers: The card member can enjoy 15% off by booking two Nights at the partnered Fairmont hotels using this card.
  • Agoda Offers: Members of this credit card are given a 12% off on the Agoda hotels & properties which are listed as “Promotion Eligible”.
  • Avis Car Rental: Following offers are available at AVIS for the Emirates NBD U By Emaar Signature Credit Card members:
    • 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. 

Discount On Air Tickets & Holiday Packages

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

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 the free movie ticket, card members will also get free drinks and popcorn.

Discounted Offers

  • The card member can avail 10% off on hotel stays when booked throughwith this Emirates NBD U By Emaar Visa Signature credit card.
  • Members of this Emirates NBD credit card can enjoy 20% off on Spas at various Emaar Hospitality venues.
  • The cardholder can enjoy a maximum of 25% discount on dining at the Emaar Hospitality Group. The list of all participating restaurants can easily be found on the official website of the U By Emaar in the ‘Dine’ section.
  • The Emirates NBD U By Emaar Visa Signature Credit Card offers its cardholder a maximum of 30% off on entertainment at Emaar Entertainment Group such as KidZania, The Dubai Underwater Zoo, and Dubai Ice Rink, enabling them to enjoy their life to the fullest.
  • The cardholder can get 6.25% back when they shop and dine at Emaar Malls. Also, they can enjoy 6.25% back upon staying at Emaar Hotels.

Other Lifestyle Offers

The bank offers the facilities of LiveWell & GoodTimes that provide the ENBD U By Emaar Signature Credit card members with exciting lifestyle & entertainment experiences along with a wide range of fitness activities.

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

In order to be eligible for this Emirates NBD credit card, the applicant must have a minimum monthly income of AED 15,000.

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

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

Fees & Charges Amount

Annual Membership Fees

AED 250

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 19, 2020) 

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FAQs on Emirates NBD U By Emaar Signature Credit Card

Q1: What is Upoints?

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

Q2: What is the Emirates NBD Installment payment plan?

Ans: Emirates NBD Installment payment plan is one of the best features of the Emirates NBD credit card. It allows you to buy your heart’s content with the Emirates NBD U By Emaar Visa Signature Credit Card and pay conveniently in easy to pay monthly installments at 0% interest rate for a tenure of 6 or 12 months.

Q3: Can supplementary Emirates NBD U By Emaar Visa Signature Credit Cardholders also avail all the U By Emaar benefits?

Ans:  No. All tier member U By Emaar benefits are only applicable to primary card members. To know more about ‘U By Emaar’ benefits in detail, you can visit its official website of the bank.

Q4: What am I supposed to do If I lost my credit card or it is stolen?

Ans: If your credit card gets lost or stolen, you must inform the bank about the same 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 possible in order to prevent any fraudulent activities that could happen with your misplaced credit card. Next, the bank will talk to you about a replacement card. Please note that the bank will charge a replacement fee of AED 20.

Q5: What is an over-limit fee?

Ans: An over-limit fee is a penalty that is charged by a credit card provider if the cardholder exceeds the credit limit. Well, the over-limit fee of AED 279 is charged on Emirates NBD U By Emaar Visa Signature Credit Card.