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Co-brand rewardsVisa
Emirates NBD
U By Emaar Signature Credit Card
No salary transfer needed
Min. salary
AED 12,000
Annual fee
AED 262.5
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%
Year-1 joining fee AED 525; AED 262.50 annual fee thereafter
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 262.5
- Fee note
- Year-1 joining fee AED 525; AED 262.50 annual fee thereafter
- 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 12,000
- 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.
- 6.25% back as Upoints on all Emaar spends; 1.25% on all other spends
- Complimentary U By Emaar Gold status
- 15% off F&B and spas at Emaar Hospitality Group hotels
- Complimentary room upgrades on hotel stays
- Up to 30% discount at Emaar Entertainment Group attractions
- Buy 1 get 1 free at Reel Cinemas with free soft drinks and popcorn (min AED 5,000 monthly spend)
- Complimentary access to over 1,000 airport lounges via the Visa Airport Companion App
- Instant Upoints redemption at over 2,500 stores
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.