Union National Bank Credit Cards

Union National Bank Credit Cards

Union National Bank (UNB) is one of the leading domestic banks in the UAE with its headquarters in Abu Dhabi.  With the help of its wide network of offices and branches, the bank offers banking and financial services to its individual as well as corporate customers. The stocks of the bank are listed in ADX under the symbol UNB.

UNB offers a comprehensive range of credit cards to credit cards applicants. UNB credit cards offer much-needed convenience, secured transactions and global acceptance. In addition to that, credit cards offered by UNB are loaded with enticing offers and benefits. In order to provide approachable banking services in the UAE, UNB aims to work with integrity and transparency.

Types of UNB Credit Cards

UNB currently offers a huge types of credit cards under various categories in the UAE with attractive benefits and rewards as listed below.

Reward Cards

Union National Bank Reward Credit Cards holders get rewarded on every transaction they make using the credit card. Under the category of reward cards, UNB offers the following credit cards:

1. Union National Bank World Card

  • Eligibility: In order to apply for this UNB credit cards, the applicant should earn a minimum income of AED 20,000 on a monthly basis.
  • Annual Fees: The card comes with an annual fee of AED 630.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: On every spend using this Union National Bank credit card, the cardholder gets up to 10 UNBmiles.

Benefits:

Here are the benefits offered by Union National Bank World Card:

  1. Union National Bank World Card offers UNBmiles worth AED 3,000 as a welcome bonus.
  2. It gives its cardholder the flexibility to redeem the accumulated rewards for booking airline tickets and hotels.
  3. Primary and supplementary cardholders get complimentary unlimited access at 750+ airport lounges throughout the globe.
  4. This UNB credit cards offers the cardholder various buy 1 get 1 offer across entertainment, dining, leisure, spas, and hotels in the Middle East and Africa.
  5. The cardholders can enjoy complimentary services like hotel nights with Starwood Hotels and Resorts and multi-trip travel insurance including medical benefits.
  6. They can also enjoy a 50% value back on movie tickets and exciting discounts up to 40% with renowned shopping, leisure, and entertainment partners.

2. Union National Bank Titanium Card

  • Eligibility: In order to apply for this UNB credit cards, the applicant should be earning a minimum income of AED 5,000 on a monthly basis.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: On every spend using this Union National Bank credit card, the cardholder gets up to 3 UNBmiles.

It offers 1.5 UNBmiles for each AED 1 locally spend and 3 UNBmiles for each AED 1 internationally spend.

Benefits:

Here are the benefits offered by Union National Bank Titanium Card:

  1. As a joining bonus, Union National Bank Titanium Card offers up to AED 500 as UNBmiles.
  2. It provides the cardholder much-needed flexibility to redeem the accumulated rewards for booking airline tickets and hotels, renting a car, getting e-vouchers for shopping at famous malls and various brands across GCC, and recharging mobile at 200+ Telcos globally.
  3. This Union National credit card enables the cardholder to enjoy 50% value back on movie tickets, 20% discount on Careem rides, and exciting discounts up to 40% at 250+ with renowned shopping, leisure and entertainment partners.
  4. It also provides the cardholder with the benefit of free annual auto registration or renewal and free on-road assistance in UAE as and when required.
  5. The cardholder can enjoy various buy 1 get 1 offers across hotels, dining, spas, leisure, and entertainment in the Middle East and Africa. They also get unlimited access to over 10 airport lounges free of cost across GCC.
  6. This type of UNB credit cards charges no interest on all travel purchases for 3 months, on balance transfer for 6 months and on the instalment plan with 30+ partner outlets for up to 6 months.

Cashback Cards:

UNB credit cards holders can maximize their savings across various spend categories. Under the category of cash back cards, UNB offers the following cards:

1. Union National Bank Cashback Card

  • Eligibility: In order to apply for this UNB credit cards, the applicant should be:
  • Earning a minimum income of AED 5,000 on a monthly basis.
  • Working for a minimum of 6 months with the current employer.
  • Annual Fees: The card charges AED 262.50 as annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: The cardholder gets 3% cash back up to AED 3,600 in a year on all card transactions using this UNB credit cards.

Benefits:

Here are the benefits offered by Union National Bank Cashback Card:

  1. While using their Union National Bank Cashback Card shopping at supermarkets, pharmacies, grocery stores, gas outlets, book shops, toy shops, home furnishing shops, retail outlets, household appliance outlets, and vegetable markets, the cardholder get cash back of 3% up to AED 3600 on an annual basis.
  2. The cash back can be used within two years.
  3. The credit card offers the facility balance transfer, free mobile, online banking facility.
  4. The cardholder can easily track all their transactions through SMS notifications free of cost.
  5. The cardholder can avail 24/7 UNB credit cards customer care service in case they need any help.

If the cardholder chooses to revolve their payment, then they are entitled to get 0.5% cash back on daily transactions as a bonus.

2. Union National Bank Platinum Card

  • Eligibility: In order to apply for this Union National Bank credit card, the applicant should be:
  • Earning a minimum income of AED 18,000 on a monthly basis.
  • Working for a minimum of 6 months with the current employer.
  • Annual Fees: The card charges AED 630 as annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: The cardholders get 1.5% cash back on the total spend put on the card.

Benefits:

Here are the benefits offered by Union National Bank Platinum Card:

  1. This UNB credit cards provides exclusive shopping, entertainment and dining offers to its cardholders.
  2. It offers complimentary services to the cardholders like Golden Class and Marhaba services at Abu Dhabi airport and Dubai airport if the flight ticket is booked using the UNB Platinum Credit Card.
  3. The credit card offers balance transfer.
  4. It offers free mobile and online banking facility.
  5. The cardholders can easily track all their transactions through SMS notifications (free of cost) and e-statements. The cardholder can avail 24/7 Union National Bank credit card customer care service in case they need any help.
  6. The cardholder can opt for instalment plans of maximum 12 months for transactions at renowned UAE outlets.
  7. It offers up to 50 days of interest-free grace period.

Co-brand Credit Cards:

The UNB credit cards offers an exclusive rewarding partnership. Under the category of Co-brand Credit Cards, UNB offers the following cards:

1. Union National Bank Egypt Air Credit Card

  • Eligibility: In order to apply for this Union National Bank credit card, the applicant should be:
  • Earning a minimum income of AED 5,000 on a monthly basis.
  • Working for a minimum of 6 months with the current employer.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: It offer one reward point against every AED 1 spent.

Benefits:

Here are the benefits offered by Union National Bank Egypt Air Credit Card:

  1. The cardholder automatically becomes a member of Egypt Air’s frequent flyer programme.
  2. They can earn one Egypt Air reward point for each AED 1 spent.
  3. It offers emergency medical services to the cardholders in Egypt at no cost.
  4. It offers balance transfer facility.
  5. It offers free mobile and online banking facility.
  6. The cardholder can easily track all their transactions through SMS notifications (free of cost) and e-statements.
  7. The cardholder can avail 24/7 UNB credit cards customer care service in case they need any help.
  8. This type of UNB credit cards charges no interest on Egypt Air tickets for up to 6 months.

2. Union National Bank ADCOOP Extra and Spar Titanium Card

  • Eligibility: In order to apply for this Union National Bank credit card, the applicant should be earning a minimum income of AED 5,000 on a monthly basis.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: It offers the following cash back:
  1. 4% on all purchases made at Abu Dhabi COOP Hypermarket and Supermarket Outlets and Spar.
  2. 4% cash back on the rest of the retail purchases.

Note - *In order to earn cash back, the cardholder must spend a minimum of AED 500. The maximum amount of cashback is capped at AED 4800 on a yearly basis.

Benefits:

Here are the benefits offered by Union National Bank ADCOOP Extra and Spar Titanium Card: 

  1. The cardholders get an exclusive discount of up to 50% at Spar and Abu Dhabi COOP Supermarkets and Hypermarkets.
  2. This UNB credit cards enables the cardholders to enjoy a 50% value back on movie tickets, 20% discount on Careem rides two times a month.
  3. It offers exciting discounts up to 40% at 250+ renowned shopping, leisure, and entertainment partners.
  4. It also offers 0% monthly instalment plan for shopping at Abu Dhabi COOP Hypermarkets and Supermarkets and Spar.
  5. The cardholder can enjoy various buy 1 get 1 offers on leisure, dining, spas, hotels, and entertainment in the Middle East and Africa.
  6. The cardholder gets unlimited access to over 10 airport lounges free of cost across GCC.
  7. The Union National Bank credit card charges no interest on the instalment plan with 30+ partner outlets until 6 months.

3. Union National Bank Vantage Credit Card

  • Eligibility: In order to apply for this UNB credit cards, the applicant should be earning a minimum income of AED 8,000 on a monthly basis.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate from 3.19% to 3.25%.
  • Rewards: It offers the following value back:
  1. 4% on transactions as UNBmiles at Joyalukkas Jewellers, Musafir.com and Eros Electronics.
  2. 1% value back UNBmiles on other retail transactions (without caps).

Note - *In order to earn UNBmiles, the cardholder must spend a minimum of AED 500 on a monthly basis. The maximum amount of value back is capped at AED 400 per partner on a monthly basis.

Benefits:

Here are the benefits offered by Union National Bank Vantage Credit Card:

  1. As a joining bonus, Union National Bank Titanium Card offers up to AED 500 as UNBmiles.
  2. It provides the flexibility to redeem the accumulated rewards for booking airline tickets, hotels, renting a car, getting e-vouchers for shopping at famous malls and various brands across GCC, and recharge mobile at 200+ Telcos globally.
  3. This Union National Bank credit card enables the cardholders to enjoy a 50% cash back on movie tickets, 20% discount on Careem rides, up to 10% discount at Eros Electronics, Musafir.com & Joyalukkas.
  4. It offers an amazing discount of a maximum of 40% at 250+ famous shopping, leisure and entertainment partners.
  5. The cardholder can enjoy various buy 1 get 1 offers across hotels, dining, spas, leisure, and entertainment in the Middle East and Africa.
  6. The cardholder gets unlimited access to over 10 airport lounges free of cost across GCC.
  7. The Union National Bank credit cards charge no interest on the instalment plan with 30+ partner outlets for up to 6 months.

Other Cards

1. Union National Bank Classic Card

  • Eligibility: In order to apply for this UNB credit cards, the applicant should be:
  • Earning a minimum income of AED 5,000 on a monthly basis.
  • Working for a minimum of 6 months with the current employer.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: The card offers a reward of 1 UNBmile for each AED 1.5 spend on both local as well as international.

Benefits:

Here are the benefits offered by Union National Bank Classic Card:

  1. The UNB credit cards offers 50% movie cash back as UNBmiles, special discounts services like Golden Class and Marhaba services at Abu Dhabi and Dubai airport and exclusive shopping, dining and entertainment offers for the customers.
  2. It offers credit shield insurance to the cardholder against personal accident and loss of employment.
  3. It offers the facility of the balance
  4. It offers free mobile and online banking facility.
  5. The cardholder can easily track all their transactions through SMS notifications (free of cost) and e-statements.
  6. It offers 24/7 UNB credit cards customer care service in case they need any help.
  7. It offers instalment plans of maximum 12 months for transactions at renowned UAE outlets.
  8. It offers up to 50 days of interest-free grace period.

2. Union National Bank Gold Card

  • Eligibility: In order to apply for this Union National Bank credit card, the applicant should be:
  1. Earning a minimum income of AED 5,000 on a monthly basis.
  2. Working for a minimum of 6 months with the current employer.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: It offers a reward of 1 UNBmile for each AED 1.5 spend on both local as well as international.

Benefits:

Here are the benefits offered by Union National Bank Gold Card:

  1. The UNB credit cards offer's 50% movie cash back as UNBmiles, special discounts services like Golden Class and Marhaba services at Abu Dhabi and Dubai airport.
  2. It offers exclusive shopping, dining and entertainment offers for the cardholders.
  3. It also offers credit shield insurance to cover the cardholders against personal accident and loss of employment.
  4. It offers fraud guard insurance to cover the cardholder against misuse of the card.
  5. It offers the facility of the balance
  6. It provides free mobile and online banking facility.
  7. The cardholder can easily track all their transactions through SMS notifications (free of cost) and e-statements.
  8. It offers 24/7 UNB credit cards customer care service in case the cardholders have any doubts.
  9. It offers instalment plans of maximum 12 months for transactions at renowned UAE outlets.
  10. It offers up to 50 days of interest-free grace period.

1. Union National Bank International Card

  • Eligibility: In order to apply for this Union National Bank credit card, the applicant should be:
  1. Earning a minimum income of AED 5,000 on a monthly basis.
  2. Working for a minimum of 6 months with the current employer.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: It offers a reward of 1 UNBmile for each AED 1.5 spend internationally.

Benefits:

Here are the benefits offered by Union National Bank International Card:

  1. This UNB credit cards offers 50% movie cash back up to AED 125 per month.
  2. It offers special discounts services like Golden Class and Marhaba services at Abu Dhabi and Dubai airport.
  3. The card is customized to offer various benefits such as discounts on accommodation, preferential forex rates, and travel privileges.
  4. It offers the facility of the balance
  5. It offers free mobile and online banking facility.
  6. The cardholder can easily track all their transactions through SMS notifications (free of cost) and e-statements.
  7. It offers 24/7 UNB credit cards customer care service in case the cardholder needs any assistance.

1. Union National Bank Internet Card

  • Eligibility: In order to apply for this UNB credit cards, the applicant should be an existing UNB customer and Union National Bank credit card holder.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: They offer a reward of 1 UNBmile for each AED 1 spent on online shopping.

Benefits:

Here are the benefits offered by Union National Bank Internet Card:

  1. This Union National Bank credit card offers 50% movie cash back as UNBmiles.
  2. It offers safe, convenient, online shopping by adding MasterCard’s 3D Secure technology for protection.
  3. The card limit can be set as per the cardholder’s convenience. The card can be linked to the cardholder’s primary card through online banking.
  4. The card offers the facility of balance
  5. It offers free mobile and online banking facility.

The cardholder can easily track all their transactions through SMS notifications (free of cost) and e-statements.

  • It offers 24/7 UNB credit cards customer care service to assist the cardholder in case they need any help.

1. Union National Bank ADCOOP Extra Classic Card

  • Eligibility: In order to apply for this UNB credit cards, the applicant should be:
  1. Earning a minimum income of AED 5,000 on a monthly basis.
  2. Working for a minimum of 6 months with the current employer.
  • Annual Fees: The card does not charge any annual fees.
  • Point of Sale Interest Rate (per month): The card attracts point of sale interest rate- 3.19% on a monthly basis.
  • Rewards: It offer the following rewards:
  1. 5% on purchases at Abu Dhabi COOP Supermarket and Hypermarket outlets  
  2. 35% on the rest of the shopping

Benefits:

Here are the benefits offered by Union National Bank ADCOOP Extra Classic Card:

  1. This UNB credit cards provides exclusive offers and discounts up to 50% at Abu Dhabi COOP Supermarket and Hypermarket outlets to the cardholder.
  2. It offers easy monthly instalment plan at an interest of 0.79% per month for shopping at Abu Dhabi COOP Supermarket and Hypermarket.
  3. UNB offers credit shield insurance to cover the cardholder against personal accident and loss of employment.
  4. It offers the facility of the balance
  5. It offers free mobile and online banking facility.
  6. The cardholder can easily track all their transactions through SMS notifications (free of cost) and e-statements.
  7. It offers 24*7 UNB credit cards customer care service in case they need any help.

Features and Benefits of Union National Bank Credit Cards:

While each of these cards has various unique and attractive features,  listed below are some eminent features of these UNB cards which make them highly popular in the UAE.

1. Fees: Many of these UNB credit cards come with 0 annual fees which makes them free for life. The fees charged on the rest of the cards are reasonable and affordable.

2. Rewards: The UNB credit cards members can earn reward points or value backs on a transaction that can later be either encashed or redeemed.

3. Travel Privileges: UNB cards provide UNBmiles as reward points which can be exchanged for booking flight tickets and hotel rooms with partner airlines and hotels. Some travel credit cards provide the cardholder complimentary access to airport lounges worldwide. Some cards offer free travel insurance to the cardholders.

4. Interest Rates: The UNB credit cards charges a very low monthly rate of interest to the cardholders. Low-interest rates and high rewards offered by UNB cards make them a must-have.

5. Balance Transfer: These UNB cards offer balance transfer facility to the cardholders at low-interest rates.

6. Easy Banking: The Union National Bank credit card holders enjoy a facility of free mobile and online banking services. The option of SMS notifications and e-statements is available for them so that they can track their transactions without any hassle.

7. Movie Tickets: The cardholders can enjoy offers, discounts or cash backs on movie tickets every month using a UNB credit card. The offer depends upon the type of UNB credit card held by the cardholder.

8. 24*7 Customer Care Service: In order to provide effective customer care service, UNB offers the cardholders around the clock access to call centre service.

Union National Bank Credit Card Profit Rates and Annual Fees in the UAE

Listed below are the various fees and rates of interest for UNB credit cards available in UAE:

 

Category

Name of the Card

Annual Fee

(In AED)

Monthly Point

Of Sales Interest

Rate (in %)

Monthly Cash

Advance

(in %)

Late Payment

Fee

(in AED)

 

Reward Cards

Union National Bank World Card

630

3.19 minimum

3.25 minimum

241.50

Union National Bank Titanium Card

Nil

3.19 minimum

3.25 minimum

241.50

 

Co-brand Credit Cards

 

Union National Bank Egypt Air Credit Card

Nil

3.19 minimum

3.25 minimum

241.50

Union National Bank ADCOOP Extra

and Spar Titanium Card

Nil

3.19 minimum

3.25 minimum

241.50

Union National Bank Vantage Credit Card

Nil

3.19 – 3.25

3.25

241.50

 

Cashback Cards

Union National Bank Cashback Card

262.50

3.19 minimum

3.25 minimum

241.50

Union National Bank Platinum Card

630

3.19 minimum

3.25 minimum

241.50

 

 

 

 

 

Other Cards

Union National Bank Classic Card

Nil

3.19 minimum

3.25 minimum

241.50

Union National Bank Gold Card

Nil

3.19 minimum

3.25 minimum

241.50

Union National Bank International Card

Nil

3.19 minimum

3.25 minimum

241.50

Union National Bank Internet Card

Nil

3.19 minimum

3.25 minimum

241.50

Union National Bank ADCOOP Extra Classic

Nil

3.19 minimum

3.25 minimum

241.50

 

(Updated as of February 2019)

Union National Bank Credit Card Eligibility

The applicants should be aware of the eligibility criteria prior to the selection of UNB credit card to apply for. The criteria are as follows:

1. Income: The applicant’s monthly income is an ideal way of estimating their creditworthiness. Hence, it plays an important role in determining the eligibility of the applicant.

2. Duration of Employment: In case of some Union National Bank credit cards, the applicant must also declare with proof the duration of their employment with the current employer.

UNB Credit Card Sorted by Salary

Listed below is the minimum monthly income required for various UNB credit cards:

Category

Name of the Card

Minimum Monthly

Income (in AED)

 

Reward Cards

Union National Bank World Card

20,000

Union National Bank Titanium Card

5,000

 

 

Co-brand Credit Cards

 

Union National Bank Egypt Air Credit Card

5,000

Union National Bank ADCOOP Extra and Spar

Titanium Card

5,000

Union National Bank Vantage Credit Card

8,000

 

Cashback Cards

Union National Bank Cashback Card

5,000

Union National Bank Platinum Card

18,000

 

 

 

 

 

 

 

 

 

 

Other Cards

Union National Bank Classic Card

5,000

Union National Bank Gold Card

5,000

Union National Bank International Card

5,000

Union National Bank Internet Card

-

Union National Bank ADCOOP Extra Classic

5,000

 

(Updated as of February 2019)

How to apply for UNB Credit Card?

The applicants who want to enjoy the benefits of Union National Bank credit card can apply at any UNB branch, online or request a call back in case of doubts or issues (if any).

1. Online Application: In the age of the internet, applying for the credit card online is one of the most convenient ways of getting a credit card not just with UNB, but with any other bank. UNB provides a secure and user-friendly online banking platform to the applicants so that they can easily evaluate and select a suitable UNB credit card and apply online. The applicants can find the online application form on the website of the bank.  

Credit card experts recommend to compare credit cards online to come across the best credit card. Policybazaar.ae provides a one-stop solution for all the credit card needs of the credit card applicants.

2. Branch Application: The applicants who do not wish to apply online can approach any of the nearby UNB branches, and select a suitable Union National Bank credit card and apply directly. The cardholders can visit the website to find the nearest UNB branch.

3. Call Back: While applying for a credit card, the applicants may have some doubts at the time of selecting the best Union National Bank credit card to apply for. The applicant can request for a call back online or directly speak with a UNB credit card customer care executive. Here are the details:

UNB credit card customer care number within UAE- 600566665 

UNB credit card customer care number for international customers- +971 2 693 0120

Union National Bank Credit Card Interest Rate in UAE

The UNB credit cards come with a point of sale interest as well as cash advance interest rates. While credit cards offer the power to spend more, they attract withdrawals charges when are used to withdraw money.

Here are the UNB credit card interest rates for different cards in the UAE.

 

Category

Name of the Card

Monthly Point

Of Sales Interest

Rate (in %)

Monthly Cash

Advance

(in %)

 

Reward Cards

Union National Bank World Card

3.19 minimum

3.25 minimum

Union National Bank Titanium Card

3.19 minimum

3.25 minimum

 

 

Co-brand Credit Cards

 

Union National Bank Egypt Air Credit Card

3.19 minimum

3.25 minimum

Union National Bank ADCOOP Extra and Spar

Titanium Card

3.19 minimum

3.25 minimum

Union National Bank Vantage Credit Card

3.19 – 3.25

3.25

 

Cashback Cards

Union National Bank Cashback Card

3.19 minimum

3.25 minimum

Union National Bank Platinum Card

3.19 minimum

3.25 minimum

 

 

 

 

 

 

 

 

 

 

Other Cards

Union National Bank Classic Card

3.19 minimum

3.25 minimum

Union National Bank Gold Card

3.19 minimum

3.25 minimum

Union National Bank International Card

3.19 minimum

3.25 minimum

Union National Bank Internet Card

3.19 minimum

3.25 minimum

Union National Bank ADCOOP Extra Classic

3.19 minimum

3.25 minimum

 

(Updated as of February 2019)

UNB Credit Card Limit

The maximum amount of credit a credit card holder can avail is known as the credit card limit. Different UNB credit cards offer different credit limits depending upon the financial status and credit history of the applicant.

UNB Credit Card Charges

All the Union National Bank credit card members are required to pay applicable charges on the UNB card. The charges levied are as follows:

  • Late Payment Charge: AED 241.50
  • Over Limit Fee: AED 210
  • Replacement Card Charge: AED 78.75
  • No Liability Letter Charge: AED 52.50
  • Credit Shield per month: 0.935%
  • Foreign Transaction Fee: 2.99%
  • Payment at Exchange Houses: 5.25/ transaction
  • AED transaction outside UAE: 2.1%
  • Copy Request: AED 68.25
  • Duplicate Statement: AED 47.25
  • Cash Withdrawal Fee: 3.15% minimum AED 105

Why Choose UNB Credit Cards?

Being a customer-friendly bank, UNB has come a long way and became one of the leading banks of UAE. The Union National Bank credit cards offer their members a plethora of benefits that make them an ideal choice for the card members. Following are the benefits offered by UNB that makes it a preferred credit card by the applicants:

1. Customer Service

UNB cards provide 24/7 customer care service by enabling the credit card members to access their support anytime they want. Friendly customer care agents guide and support the users in an informative manner and resolve their queries and doubts in an efficient manner (if any).

2. Reward Points

UNB credit cards offer reward points (in the form of UNBmiles) and cash back against eligible purchases which can be redeemed for booking air tickets & hotels, securing gift vouchers and amazing deals.

3. Variety in Options

Considering the different types of applicants and their credit card needs, UNB offers a variety of credit cards that provide a huge range of benefits, rewards, travel and lifestyle privileges, discounts etc. The applicant can select the credit card of their choice that suits their needs as well as their pocket.

4. Accessibility

Operating in over 56 locations across all the Emirates in UAE, UNB has an extensive network of banking centres which makes it easily accessible for its customers.

UNB Credit Card FAQ's

Q.1. What are supplementary cards?

Supplementary cards or add-on cards are credit cards that can be opted by the family members of the primary card member. Supplementary credit cards work in the same way as primary credit cards. Usually, they offer the same benefits offered by primary cards, but the reward points earned through the supplementary cards are credited to the primary member’s card account.

The cardholders can opt for up to 4 supplementary Union National Bank credit cards without any charges. The UNB supplementary cards come with the same credit limit as that of the primary card. Spending limits can be set on the supplementary cards by the primary cardholder.

Q.2. What is a Cash Advance?

Cash Advance is the cash withdrawal made from an ATM using a credit card. Finance experts recommend keeping the withdrawals as minimum as possible because credit cards charge high interest rates on cash advances. Beginning from the date of withdrawal, a cash advance fee is levied on cash withdrawals along with an interest charged on the withdrawn amount.

UNB credit cards incur a cash advance fee starting from 3.25% of the transaction amount per month.

Q.3. What is a Late Payment Fee?

The credit card providers offer the facility of making payment using the card. The cardholder needs to pay their credit card bill before the due date. In case they are unable to do so, the credit card provider charges a late payment fee. Late fees can negatively affect the credit history of the cardholder. The sure-fire way to avoid late fees is by making all the payments on time.

Late payment fees charged for Union National Bank credit cards is AED 241.50.

Q.4. What is the amount of UNB miles that I need before I can redeem them?

You will need a minimum of 15,000 points for redemption for products and services.

Q.5. Do my UNB miles expire?

From the date of earning, your UNBmiles are valid for up to 2 years.

Q.6. Can UNB miles be transferred?

No. Your UNBmiles cannot be transferred to someone else’s account.

Q.7. How do I gain access to airport lounges through my credit cards?

Since not all credit cards offer airport lounge access, so first ensure that your credit card offers the same else you will have to pay the entry fees. Also, only partner airports of the bank will allow airport lounge access for free. In order to gain entry, you must carry your credit card with you.

You can find the offered travel privileges available for various credit cardholders on the official website of the UNB website.

Q.8. What is a credit cards balance transfer?

When you transfer the amount available in one credit card account to another credit card account, it is referred to as a balance transfer. In case of some credit cards, you may have to pay a fee to avail the facility of the balance transfer.

Q.9. What is 0% Installment Payment Plan?

As per 0% Installment Payment Plan, you can easily convert your credit card purchases made at selected or partner merchants into monthly instalments at no interest.

Q.10. How can I pay off my credit card bill?

Your credit card bill payment can be made using your UNB account by standing instruction, by using a cash deposit machine, via online banking (Uninet) or exchange houses. Additional charges are applicable if you make payment at an exchange house.

Q.11. What do I do if my UNB credit card is lost or stolen?

In case your credit card is lost or stolen, report it to the bank as soon as possible. The more time you take to report about the missing or stolen card, the more risk you might have to bear. If any such situation arises, you should let the bank know immediately by calling 600566665 from within the UAE or +971 2 693 0120 if you are outside UAE. You have 24/7 access to their customer care.

Q.12. How do I get to know the special offers and discounts related to my UNB credit cards?

In order to stay up to date on special offers that you are eligible for as a cardholder, check our website regularly. You can check the offers and promotions on our website.