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Rewards Mechanism

  • 1% for all spends.
  • 5 times more points when you spend in Emaar.
  • 25% base Upoints for spends on grocery and supermarkets.
  • 10% base Upoints for spending on fuel, government services, and telecommunication payments.
  • 5% Upoints back on spending in Emaar malls and when you dine or stay at Emaar Hospitality Group hotels and restaurants.

Why We Choose It

  • Free for life credit card.
  • The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.

Welcoming Gift/Bonus

Currently, no welcoming bonus is available.

Annual Fee (inclusive of Vat)

Free For Life

Minimum Salary Requirement

AED 5,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.49%

Rewards program

Upoints By Emaar.

Reward Mechanism:
  • 1% for all spends.
  • 5 times more points when you spend in Emaar.
  • 25% base Upoints for spends on grocery and supermarkets.
  • 10% base Upoints for spending on fuel, government services, and telecommunication payments.
  • 5% Upoints back on spending in Emaar malls and when you dine or stay at Emaar Hospitality Group hotels and restaurants.

Redeem points:

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

Key benefits

  • Buy 1 get 1 free on movie tickets at Reel Cinemas.

Other benefits

  • Up to 30% discount on entertainment at Emaar Entertainment Group, including The Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink.

Why We Choose It

  • Free for life credit card.
  • 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 accumulated points can only be redeemed through instant purchases at EMAAR partners.
  • Relatively high APR.

You ask, we answer

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

Our team is reviewing your data and working diligently to recommend 3 credit cards that best match your profile. Please allow 3-5 business days for this process.

Yes, our service is entirely free, and we are committed to not charging any participants unless they opt for a private consultation. However, please be aware that we may receive compensation from banks for advertising purposes on our website, but this does not influence the recommendations we provide.

Yes, your privacy and security are our top priority. We ensure that your data is handled with the utmost care. We never share your information with third parties without your consent.

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