UNB ADCOOP Extra and Spar Titanium Credit Card

UNB ADCOOP Extra and Spar Titanium Credit Card

The UNB ADCOOP Extra and Spar Titanium Credit Card is exclusively designed for grocery shoppers and brings a host of amazing benefits & privileges to cater reward in turn for spending. This UNB credit card comes after a partnership with ADCOOP & SPAR. Loaded with rewarding benefits, it is one of the best credit cards. In addition to this, it offers a cash back program that provides a full ‘value-back’ on retail spending.

Features & Benefits of the UNB ADCOOP Extra and Spar Titanium Credit Card

Listed below are the key features & benefits of the UNB ADCOOP Extra and Spar Titanium Credit Card:

Travel Privileges

  • Free Lounge Access: Both primary, as well as a supplementary cardholder, can avail unlimited complimentary access at over 10 airport lounges across GCC. This privilege can be availed in UAE, Jordan, KSA, Kuwait, & Egypt. In order to enjoy this free service, the cardholder is just required to present this UNB credit card at the reception of the eligible airport lounges.
  • Careem Discount: With the UNB ADCOOP Extra and Spar Titanium Credit Card, the cardholder can avail 20 percent off on two Careem rides in a month. In addition to this, new Careem users can get their first Careem ride for free. Please note that the discounted offer is valid for bookings through ‘Careem Mobile App’

Lifestyle Privileges

  • 50 Percent Value Back on Cinema: With this UNB credit card, member of this card can avail 50% ‘value back’ on Cinema spend across the world.
  • Easy Payment Plan: This card enables its card member to convert their big credit card purchases into convenient monthly installments for up to six months at 0 percent interest rate with no processing fees. Member of this UNB credit card can convert their purchases at over 30 well-known brands in famous retail categories including hotel, travel, electronics, jewelry, and more.

Rewards & Offers of the UNB ADCOOP Extra and Spar Titanium Credit Card

 

Category Cashback (in %)
Purchases at ‘Spar & Abu Dhabi COOP Supermarket & Hypermarket’ outlets 4
Retail purchases 0.4

Note: The cardholder is required to spend a minimum of 500 AED monthly in order to earn cashback.

*The card member can earn a maximum cashback amount of 4800 AED per year with this UNB credit card.

Eligibility & Charges of the UNB ADCOOP Extra and Spar Titanium Credit Card

Income Eligibility: The applicant must be earning 8000 AED on a monthly basis in order to be eligible for this UNB credit card.

Fees & Charges of the UNB ADCOOP Extra and Spar Titanium Credit Card

Following are the fees & charges associated with the UNB ADCOOP Extra and Spar Titanium Credit Card:

 

Description Charges
Annual Membership Fee NIL
Annual Fee For Supplementary Card (4 Free) 105 AED
Cash Advance (p.m.) Starting from 3.25 percent
Interest Rate On Point Of Sale (p.m.) Starting from 3.19 percent
Cash Withdrawal Charges 105 AED or 3.15 percent (whichever is greater)
Late Payment Charge 241.50 AED
Over-Limit Charge 210 AED
Foreign Transaction Charges 2.99 percent
Charges of Card Replacement 78.75 AED
Duplicate Statement Charge 47.25 AED
Copy Request Charge 68.25 AED
Credit Shield Insurance (p.m.) 0.935 percent
Charges for Payment at exchange houses 5.25 AED per transaction
Charges for AED transaction outside the UAE 2.1 percent
Liability/ No Liability Letter 52.50 AED

 

Additional Benefits

  • Buy One, Get One Offers: On paying with this card, the card member can avail hundreds of free offers throughout the Middle East & Africa across premium spas, dining, hotels, and more. The cardholder is simply required to download the ‘MasterCard Buy 1, Get 1 App’ in order to avail the best offers with over 900 offers across 600+ merchants & more than 90 destinations.
  • Exclusive Discount: The card member can avail a maximum of 50 percent discount at ‘Spar & Abu Dhabi COOP Supermarket & Hypermarket’