UNB Classic Credit Card

About UNB Classic Credit Card

The UNB Classic Credit Card is exclusively designed to make its cardholder’s life easier as it helps in simplifying the finances with the utmost ease. This UNB credit card is much more than just a credit card. In addition to offering the wide range of benefits & privileges, it also caters reward in terms of UNBmiles on every spending, enabling the cardholder to make the most of their card.                                                                    

Features & Benefits of the UNB Classic Credit Card

Following are the key features & benefits of the UNB Classic Credit Card:

  • No Annual Charges: This UNB credit card does not charge annual fee.
  • Marhaba & Golden Class Service: Member of this card can enjoy special discounts on ‘Marhaba & Golden Class Service’ at Dubai & Abu Dhabi Airports.
  • Balance Transfer:
    • The ‘balance transfer’ facility is available with this UNB Classic Credit Card. Through this advanced feature, the card member can easily transfer their outstanding balance from other bank’s card to this UNB credit card.
    • The balance transfer feature of the UNB Classic Credit Card offers a rate of an up to 0.69 percent (per month) for tenors up to 36 months (for expatriates) & 48 months (for UAE Nationals). Please note that the minimum amount of ‘balance transfer’ should be 2000 dirham. In addition to this, expats should not be 60+ years old and UAE Nationals should not be 65+ years old at tenor maturity.
  • Easy Payment Plan: The cardholder can make big purchases and repay the amount in monthly installments of a maximum of 12 months through the easy payment plan. It basically enables the cardholder to convert their credit card purchases into easy & convenient monthly installments at some popular UAE outlets.
  • Credit Shield Insurance: The UNB Classic Credit Card offers credit shield insurance (CSI) in order to provide financial security to its card member. CSI basically offers coverage in the unforeseen event such as natural death & personal accident where the cardholder is unable to pay their outstanding balance.
  • Grace Period: This UNB credit card offers a no-interest grace period for a maximum of 50 days.
  • Online & Mobile Banking: The online & mobile banking feature of this card provides the convenience of making an online transaction and managing the account easily.
  • Free e-statements & SMS Notifications: It offers free e-statements & SMS notifications to its card member, enabling them to track all of their last transactions.
  • 24x7 Customer Care Service: It provides round the clock access to Call Centre so that the member of this card can get in touch with the customer care executive in times of need easily.

Rewards & Offers of the UNB Classic Credit Card

 

Category Amount Spend (in AED) UNBmiles
Local Spends 1.5 1
International Spends 1.5 1

 

** With this UNB credit card, the cardholder can also avail 50 percent cashback as UNBmiles on movie tickets.

Eligibility & Charges of the UNB Classic Credit Card

Eligibility Criteria:

  • The minimum monthly income of 5,000 AED is required to be eligible for the UNB Classic Credit Card.
  • The applicant should be employed at the current employer for the last six months (with confirmation).

Fees & Charges of the UNB Classic Credit Card

Following are the fees & charges associated with the UNB 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 Offers: The card member can avail exclusive dining, entertainment, and shopping offers.