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Rewards Mechanism

  • Earn 7.25% back when shopping, dining, or spending across Emaar hotspots like Dubai Mall, Marina Mall, and Emaar Communities.
  • Get 1.5% back as Upoints on every spend and 5x the rewards when you spend at Emaar.

Why We Choose It

  • High points earning rate at Emaar participating brands.
  • The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.

Welcoming Gift/Bonus

Welcome offer: Up to 25,000 UPoints as joining bonus (Value of AED 2,500)

First Year Free offer for limited time.

Annual Fee (inclusive of Vat)

AED 1,575

Minimum Salary Requirement

AED 30,000

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

Upoints By Emaar.

Reward Mechanism:
  • Earn 7.25% back when shopping, dining, or spending across Emaar hotspots like Dubai Mall, Marina Mall, and Emaar Communities.
  • Get 1.5% back as Upoints on every spend and 5x the rewards when you spend at Emaar.

Redeem points:

Cardholders will have the option to redeem the accumulated UPoints through instant redemption from Loyalty Partners mainly at Emaar properties.

Key benefits

  • Complimentary airport lounge access for the primary cardholder with guest access.
  • 20% off on F&B and Spas at Emaar Hospitality Group Hotels
  • Complimentary Valet Parking at the Grand Drive for Galeries Lafayette and The Souk in Dubai Mall.

Other benefits

  • Buy 1 get 1 free on movie tickets at Reel Cinemas.
  • Up to 30% discount on entertainment at Emaar Entertainment Group, including The Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink.

Why We Choose It

  • High points earning rate at Emaar participating brands.
  • The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.

What We Did Not Like

  • Upoints accumlated points can only be redeemed through instant purchases at EMAAR partners.
  • The annual fee is high for a card with benefits limited to Emaar Properties and airport lounge access.

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.

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