Union National Bank (UNB) Cashback Credit Cards in UAE

By Ruchi Gohri
  | Published: 26 October 2021

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Established in 1982, the Union National Bank is one of the leading public joint-stock companies in the UAE. Union National Bank, popularly known as UNB, is jointly owned by the Governments of Dubai and Abu Dhabi. The bank offers retail and commercial banking products and services, including bank accounts, fixed deposits, credit cards, loans, mortgages and much more.

Union National Bank Cashback Credit Cards offer various unique benefits and features for the cardholders to help them earn a good amount of cashback. The cardholders can redeem the earned cashback with great ease as and when required. 

Let us go ahead and learn about the various cashback offers and other benefits of Union National Bank Cashback Credit Cards in detail.

Best Union National Bank Cashback (UNB) Credit Cards in UAE

Here is a list of Union National Bank Credit Cards with exciting cashback offers for the cardholders.

Union National Bank ADCOOP Extra and Spar Titanium Credit Card

Union National Bank ADCOOP Extra and Spar Titanium Credit Card is a free for life credit card and comes with a minimum salary requirement of AED 5,000. 

Union National Bank ADCOOP Extra and Spar Titanium Credit Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee Free for life
  • Cashback
  • Free for life
  • Dining Offers
  • Airport Lounge Access

Features & Benefits of Union National Bank ADCOOP Extra and Spar Titanium Credit Card

  • Interest Rate: Union National Bank ADCOOP Extra and Spar Titanium Credit Card charges an interest rate of 3.19 percent to the cardholders on the carried forward outstanding balance.
  • Cash Advance: Union National Bank ADCOOP Extra and Spar Titanium Credit Card enables cardholders to withdraw cash in advance of 3.15 percent of the total available credit limit. The cardholders need to withdraw minimum cash in advance of AED 105 when availing of this service.
  • Exclusive Deals and Discounts: Union National Bank ADCOOP Extra and Spar Titanium Credit Card offers exclusive deals and discounts at ADCOOP and Spar outlets.
  • Transaction Fees: Union National Bank ADCOOP Extra and Spar Titanium Credit Card charges a transaction fee of 2.99 percent on non-AED transactions.
  • Airport Lounge Access: Union National Bank ADCOOP Extra and Spar Titanium Credit Card provides both primary and supplementary cardholders with unlimited access at more than 10 airport lounges in UAE, Jordan, Egypt, KSA and Kuwait.
  • Supplementary Cards: With Union National Bank ADCOOP Extra and Spar Titanium Credit Card, the primary cardholders can get four supplementary credit cards for free. However, they need to pay AED 105 from the fifth supplementary card onwards.
  • Careem Rides: Union National Bank ADCOOP Extra and Spar Titanium Credit Card offers a 20 per cent discount on the first three Careem rides every month. The credit card offers the first ride free for new Careem customers. The offer is valid for bookings made through Careem Mobile App.
  • Buy 1 Get 1 Offers: Union National Bank ADCOOP Extra and Spar Titanium Credit Card offers hundreds of complimentary offers on dining, entertainment, premium spas and much more in Africa and the Middle East Region.
  • Credit Shield Insurance: Union National Bank ADCOOP Extra and Spar Titanium Credit Card offers credit shield insurance coverage against loss of employment and personal accident to help cardholders easily pay their credit card bills in the event of disability or death.
  • Online Banking: Cardholders can simply log in to access their Union National Bank ADCOOP Extra and Spar Titanium Credit Card details and manage their finances more efficiently.
  • Mobile Banking: The cardholders can also download Union National Bank’s mobile app and log in to the same to access their credit card details.
  • SMS Notifications: With Union National Bank ADCOOP Extra and Spar Titanium Credit Card, the cardholders get SMS notifications for every transaction and banking activity on their credit card. This helps them keep close track of their finances and manage them.
  • Full-time Customer Service: Union National Bank offers full-time customer support for all their ADCOOP Extra and Spar Titanium Credit Card members to help them easily contact the help and support team in case they need any assistance.
  • Balance Transfer: Union National Bank ADCOOP Extra and Spar Titanium Credit Card offer a balance transfer facility for the cardholders. With this service, they can easily transfer another bank’s credit card outstanding balance to Union National Bank's credit card. The facility enables cardholders to convert this balance into installments of 48 months for UAE Nationals and 36 months for expatriates to repay with great ease.
  • Education Benefits: With Union National Bank ADCOOP Extra and Spar Titanium Credit Card, the cardmembers can convert their education spends into easy monthly installments at a zero percent interest rate for three months with no processing fee.

Cashback Benefits for Union National Bank ADCOOP Extra and Spar Titanium Credit Card

  • Cashback Offers: The cardholders need to spend a minimum of AED 500 per month to start earning cashback through Union National Bank ADCOOP Extra and Spar Titanium Credit Card. With Union Bank Cashback Credit Card, the cardholders can earn a maximum cashback amount of AED 4,800 per year. The cardholders can earn-
  • 4 per cent cashback on all spends made at Spar and Abu Dhabi COOP Hypermarket and Supermarket outlets.
  • 0.4 per cent cashback on all other retail spends.

Union National Bank Cashback Credit Card

Union National Bank Cashback Credit Card comes with a minimum salary requirement of AED 5,000. The cardholders need to pay an annual membership fee of AED 262 to keep this credit card active. 

Union National Bank Cashback Credit Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee AED 262
  • Cashback
  • Balance Transfer

Features & Benefits of Union National Bank Cashback Credit Card

  • Balance Transfer: Union National Bank Cashback Credit Card offers a balance transfer service for cardholders. The facility enables them to easily transfer another bank’s credit card outstanding balance to Union National Bank credit card. The facility enables cardholders to convert this balance into installments of 48 months for UAE Nationals and 36 months for expatriates to repay with great ease.
  • Cash Advance: Union National Bank Cashback Credit Card enables cardholders to withdraw cash in advance of 3.15 percent of the total available credit limit. The cardholders need to withdraw minimum cash in advance of AED 105 when availing of this service.
  • Online Banking: The cardholders can simply log in to access their Union National Bank Cashback Credit Card details and manage their finances more efficiently.
  • Mobile Banking: The cardholders can also download Union National Bank’s mobile app and log in to the same to access their credit card details.
  • Interest Rate: Union National Bank Cashback Credit Card charges an interest rate of 3.19 percent on the outstanding monthly credit card balance to the cardholders.
  • Transaction Fees: Union National Bank Cashback Credit Card charges a transaction fee of 2.99 percent on non-AED transactions.
  • Supplementary Cards: With Union National Bank Cashback Credit Card, the primary cardholders can get four supplementary credit cards for free. However, they need to pay AED 105 from the fifth supplementary card onwards.

Cashback Benefits for Union National Bank Cashback Credit Card

  • Cashback Offers: The Union National Bank Cashback Credit Card members can earn 3 percent cashback on all the credit card spends up to AED 3,600 per year. They can also get a bonus of 0.5 percent cashback based on the credit card terms. Moreover, credit card members can redeem this cashback anytime within two years based on their financial needs. 

Union National Bank Platinum Credit Card

Union National Bank Platinum Credit Card is free for life credit card with a minimum salary requirement of AED 18,000. 

Union National Bank Platinum Credit Card
Cashback
  • Minimum Salary AED 18,000
  • Annual Fee AED 0
  • Cashback
  • Golf Offers
  • Cinema Tickets
  • Balance Transfer

Features & Benefits of Union National Bank Platinum Credit Card

  • Balance Transfer: Union National Bank Platinum Credit Card offers a balance transfer service for cardholders. With this facility, the cardholders can consolidate and transfer another bank’s credit card outstanding balance to Union National Bank credit card. Moreover, they can convert this balance into installments of 48 months to repay with great ease.
  • Cash Advance: Union National Bank Platinum Credit Card enables cardholders to withdraw cash in advance of 3.15 percent of the total available credit limit. The cardholders need to withdraw minimum cash in advance of AED 105 when availing of this service.
  • Online Banking: The cardholders can simply log in to access their Union National Bank Platinum Credit Card details and manage their finances more efficiently.
  • Mobile Banking: The cardholders can also download Union National Bank’s mobile app and log in to the same to access their Union National Bank Platinum Credit Card details.
  • Installment Plans: Union National Bank Platinum Credit Card offers exciting installments plans of up to 12 months for spends at leading UAE outlets.
  • Golf Course Discounts: Union National Bank Platinum Credit Card offers attractive discounts at several Golf courses across the globe, including 14 clubs in the UAE.
  • Airport Services: Union National Bank Platinum Credit Card offers complimentary Marhaba and Golden Class services at Abu Dhabi and Dubai airports. 
  • Cinema Offers: Union National Bank Platinum Credit Card offers a 20 percent discount at Roxy and 10 free movie tickets at VOX Standard every Sunday.
  • Interest Rate: Union National Bank Platinum Credit Card charges an interest rate of 3.19 percent on the carried forward outstanding credit card balance to the cardholders.
  • Transaction Fees: Union National Bank Platinum Credit Card charges a transaction fee of 2.99 percent on non-AED transactions.
  • Other Benefits: Union National Bank Platinum Credit Card offers additional benefits on shopping, dining and entertainment spend.

Cashback Benefits for Union National Bank Platinum Credit Card

  • Cashback Offers: The Union National Bank Platinum Credit Card members can earn up to 1.5 percent cashback on the credit cards spends. The cardmembers can redeem this cashback anytime within two years based on their financial needs. 

Eligibility Criteria to Apply for UNB Cashback Credit Cards in UAE

Here are the eligibility criteria the applicants need to meet when applying for a Union National Bank Cashback Credit Card.

  • The applicants must meet the minimum income requirement based on the terms of their chosen Union National Bank Cashback Credit Card.
  • The applicants must have a good credit score.
  • The applicant must be a UAE resident.

Documents Required to Apply for Union National Bank Cashback Credit Cards

Here are the documents required to apply for a Union National Bank Cashback Credit Card.

  • Passport with Residency Visa– A copy with the original document
  • Emirates ID – A copy with the original document
  • One of these address proofs – Contract of Tenancy, Utility Bill, Emirates ID
  • Bank statement with a salary credit transaction (of last three months) – A copy with the original document
  • Trade License (for business employees) – A copy with the original document 
  • Appointment Letter/Salary Transfer Letter (showing annual income and designation) – A copy with the original document

How to Apply for a Union National Bank (UNB) Cashback Credit Card in UAE?

Here are the simple ways to apply for a Union National Bank Cashback Credit Card.

  • Visit a Branch: The applicants can visit the nearest Union National Bank’s branch with all the essential documents and apply for their preferred Union National Bank Cashback Credit Card.
  • Online Banking: The applicants who have internet access can also visit Union National Bank’s online portal and apply for their preferred Union National Bank Cashback Credit Card. They need to download the application form, fill it up and submit it with all the essential documents.
  • Call the Helpline: The applicants can call the Union National Bank’s customer helpline number to apply for their chosen Union National Bank Cashback Credit Card.

Our Website: The applicants can also visit our website and go to the credit cards section to find a Union National Bank Credit Card that meets their financial needs. They can go through the features and benefits of the best Cashback credit cards in UAE and make the right choice

Ruchi Gohri
Ruchi Gohri0 Post

Senior Content Writer | She has a penchant for writing and with over 5 years of experience, she plays around with words elegantly, crafting simple content for all to read. In her free time, she loves her couch either to read or catch on to her sleep.