Exclusive Emaar Credit Card for UAE Nationals — first year free, up to 25,000 bonus points, 15% back on Emaar spends, and premium lifestyle rewards.

At CardsMatcher Match Now Form to recommend you the matching card, read Terms & Condition. Privacy Policy
Learn more about FAQs

Rewards Mechanism

  • Earn 7.5% equivalent back as UPoints at Emaar malls (e.g., Dubai Mall, Dubai Marina Mall, Dubai Hills Mall).
  • Get 1.5% back as UPoints on all non‑Emaar spends.

Why We Choose It

  • The card is exclusive to UAE Nationals.
  • First Year Free Offer.
  • Generous Welcoming bonus.
  • High Rewards for Frequent Emaar Visitors (Dubai Mall, Address Hotels, etc.)

Welcoming Gift/Bonus

U by Emaar Visa Infinite Emirati Credit Card:

  • Up to 25,000 UPoints as a joining/welcome offer values about AED 2,500 in Emaar redemptions (hotels, dining, entertainment, shopping)
  • Earn double Upoints only on Emaar spends in the first three months.
  • 10,000 additional UPoints when you spend USD 10,000 (or equivalent) in retail purchases within the first three billing cycles.

 

Annual Fee (inclusive of Vat)

First year free then AED1,575

Minimum Salary Requirement

AED30,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%

Rewards program

Reward Mechanism:
  • Earn 7.5% equivalent back as UPoints at Emaar malls (e.g., Dubai Mall, Dubai Marina Mall, Dubai Hills Mall).
  • Get 1.5% back as UPoints on all non‑Emaar spends.

Redeem points:

Cardholders can instantly use their accumulated UPoints to pay at participating Loyalty Partner outlets, primarily across Emaar hotels, malls, and attractions, with 10 UPoints equivalent to 1 AED.

Key benefits

  • Unlimited airport lounge access for the primary cardholder.
  • Up to 30% discount on entertainment at Emaar Entertainment Group (Dubai Aquarium & Underwater Zoo, KidZania, Dubai Ice Rink, etc.)
  • Receive U by Emaar Platinum status.
  • Complimentary room upgrade subject to availability at participating Emaar hotels

Other benefits

  • Get 20% on dining and spa services at Emaar Hospitality Group hotels (Address, Vida, Rove, etc.).
  • Complimentary valet parking at Dubai Mall
  • Buy 1 get 1 free on movie tickets at Reel Cinemas.

Why We Choose It

  • The card is exclusive to UAE Nationals.
  • First Year Free Offer.
  • Generous Welcoming bonus.
  • High Rewards for Frequent Emaar Visitors (Dubai Mall, Address Hotels, etc.)

What We Did Not Like

  • One major difference between this card and the original Emaar Infinite card is the first-year offer.
  • The interest rate could be more competitive, especially for UAE Nationals.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

This website uses cookies to ensure you get the best experience on our website. Learn more about our Privacy Policy and Terms and Conditions.

*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.