UNB ADCOOP Extra Classic Credit Card

About UNB ADCOOP Extra Classic Credit Card

The UNB ADCOOP Extra Classic Credit Card is exclusively designed to suit the daily needs of its cardholder. Basically, this UNB credit card lets its card member to save a lot in grocery bill and other daily expenses as it offers the discounts and offers at Abu Dhabi COOP Hypermarket & Supermarket outlets. In addition to this, a member of this card will get cashback on their ADCOOP and other retail purchases. What’s more? This card enables its cardholder to pay off their spent in monthly installments. Loaded with amazing benefits & privileges, this UNB card is indeed a smart choice for everyone.

Features & Benefits of the UNB ADCOOP Extra Classic Credit Card

The UNB ADCOOP Extra Classic Credit Card is loaded with some of the best features & benefits that make it an ideal choice. Here are a few ones:

  • Annual Fee: There is no annual fee charged on this UNB credit card.
  • Credit Shield Insurance’ (CSI): The UNB ADCOOP Extra Classic Credit Card offers ‘credit shield insurance’ in order to provide financial security to the member of this card. CSI offers coverage in the unfortunate event such as loss of employment & personal accident where the cardholder is unable to pay the outstanding balance of their credit card.
  • Easy Payment Plan: This UNB credit card enables its card member to convert their purchases into convenient monthly installments at Abu Dhabi COOP Hypermarket & Supermarket The cardholder can enjoy easy monthly installment plan at 0.79 percent monthly interest rate.
  • Balance Transfer:
    • The balance transfer feature of the UNB ADCOOP Extra Classic Credit Card enables its cardholder to transfer the credit card’s outstanding balance from the other bank’s card to this United National Bank credit card.
    • Balance Transfer offers a rate of a maximum of 0.69 percent (per month) but the minimum balance transfer amount should be 2000 AED.
    • For UAE Nationals, the tenor of balance transfer service can be up to 48 months while it is 36 months for expats.
    • Please note that UAE Nationals should not be more than 65 years old & expats should not be more than 60 years old at tenor maturity.
  • Mobile & Online Banking: The online & mobile banking feature of this card helps its cardholder to pay their credit card bill, transfer the money, manage their account, and much more easily.
  • Free e-statements & SMS Notifications: The UNB ADCOOP Extra Classic Credit Card offers free e-statements & SMS notifications to its card member, enabling them to check all of their transactions.
  • 24x7 Access to Call Centre: This UNB credit card provides 24x7 access to Call Centre, helping its card member to get their issues resolved related to the card easily.

Rewards & Offers of the UNB ADCOOP Extra Classic Credit Card

 

Category Amount Spend Cashback (in %)
On shopping at Abu Dhabi COOP Hypermarket & Supermarket  outlets Over 500 AED 3.5
On other purchases Over 500 AED 0.35

 

Eligibility & Charges of the UNB ADCOOP Extra Classic Credit Card

Eligibility Criteria:

  • The applicant requires a minimum salary of 5000 AED per month to be eligible for the UNB ADCOOP Extra Classic Credit Card.
  • The applicant must be employed at the current employer for the previous six months (with confirmation)

Fees & Charges of the UNB ADCOOP Extra Classic Credit Card

Here are the fees & charges associated with the UNB ADCOOP Extra Classic 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 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

Exclusive Discounts & Offers: Member of this UNB credit card can enjoy exclusive discounts & offers of a maximum of 50 percent at Abu Dhabi COOP Hypermarket & Supermarket outlets.