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

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.

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.