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Co-brand rewardsVisa
Emirates NBD
U By Emaar Family Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Earn 1% Upoints on all spends, with 5x extra on Emaar spends
- 5% Upoints back on spends in Emaar malls and at Emaar Hospitality Group hotels and restaurants
- 25% of base Upoints on grocery and supermarket spends; 10% on fuel, government services and telecom payments
- Buy 1 get 1 free movie tickets at Reel Cinemas
- Up to 30% discount at Emaar Entertainment Group (Dubai Underwater Zoo, KidZania, Dubai Ice Rink)
- 10% off spas and up to 10% off F&B at Emaar Hospitality Group
- Instant Upoints redemption at over 1,500 stores
- Free for life with no minimum spend requirement
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.