UNB Cashback Credit Card

About UNB Cashback Credit Card

The UNB Cashback Credit Card as its name depicts is a cashback card offered by Union National Bank. This UNB credit card offers 3.5% cashback every time the cardholder swipes their card. Therefore, it enables its card member to save on their every spending. The cashback can easily be redeemed instantly and the expiry date of the cashback is up to 2 years. In addition to offering the amazing cashback, it has some of the best features that make it ideal for all types of spenders.

Features & Benefits of the UNB Cashback Credit Card

This exclusive UNB Cashback Credit Card has amongst the best features & benefits. Take a look at them:

  • Balance Transfer:
    • The balance transfer facility is available with this UNB credit card. Thus, member of this card can transfer the outstanding balance of their credit card from another bank’s card to the UNB Cashback Credit Card.
    • The balance transfer feature of this credit card offers a rate of a maximum of 0.69 percent per month for tenors up to 36 months (for expatriates) & 48 months (for UAE nationals). Please note that the minimum ‘balance transfer’ amount should be 2000 AED. Plus, expats should not be more than 60 years old and UAE Nationals should not be more than 65 years old at tenor maturity.
  • Free Mobile & Online Banking: The UNB Cashback Credit Card has an amazing mobile & online banking feature that enables the card member to make online transactions & manage their account with the utmost ease.
  • Free SMS Notifications & e-Statements: It provides free SMS notifications & e-statement, enabling the cardholder to check the complete history of their last transactions.
  • 24x7 Service: It offers 24x7 accesses to Call Centre so that the member of this card can easily resolve their doubts or issues in a hassle-free manner.

Rewards & Offers of the UNB Cashback Credit Card

The cardholder can earn 3 percent cashback on all their transactions up to 3600 AED (per year). This includes spending at Grocery Stores, Gas Outlets, Supermarkets, Pharmacies, Home Furnishing Shops, Book & Toy Shops, Vegetable Market, Retail Outlets & Household Appliance stores

**Bonus Cashback: Member of this card can avail 0.5 percent cashback on all of their daily transactions but only if they choose to revolve their payments.

Eligibility & Charges of the UNB Cashback Credit Card

Eligibility Criteria:

  • The applicant must be earning a minimum of 5000 AED (per month) in order to be eligible for this card.
  • The applicant should be employed at the present employer for a minimum of six months (with confirmation).

Fees & Charges of the UNB Cashback Credit Card

 

Description Charges
Annual Membership Fee 262.50 AED
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