U by Emaar Visa Infinite Emirati Credit Card

Min. salary

AED 30,000

Annual fee

AED 1,575

Monthly rate

3.25%

Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.

46.8%

First year free

01Fees & rates

What it costs.

Annual fee: AED 1,575
Fee note: First year free
Monthly rate: 3.25%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.: 46.8%
Minimum salary: AED 30,000
Salary transfer: –Not published in the catalogue yet; it is not zero.

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.

Created for UAE nationals with elevated Upoints earn rates
Earn Upoints across Emaar brands including malls, hotels and entertainment
First year annual fee free
Airport lounge access and Visa Infinite privileges

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Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 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.