United Arab Bank (UAB) Credit Cards

In 1975, United Arab Bank was founded in Sharjah. The bank was founded by a group of UAE businessmen along with Societe Generale Group (a French Multinational Investment Bank). Voted as No.1 Domestic Retail Bank, UAB is one of the leading banks in the Middle East. Currently, UAB has 30 branches in the Emirates.

UAB offers retail as well as corporate banking services. UAB credit cards offer a wide range of benefits and privileges to its card members. UAB credit cards are offered in four variants i.e. Infinite, Platinum, Titanium, and Business. Each of the UAB credit cards offers comprehensive reward points programs that enable the cardholder avail a host of benefits.

Types of United Arab Bank (UAB) Credit Cards

1. United Arab Bank Infinite Credit Card

United Arab Bank Infinite Credit Card is one of the best credit cards that offer unmatched travel privileges and superior lifestyle benefits. In addition to this, it also offers an award-winning loyalty program.

Types of United Arab Bank (UAB) Credit Cards
 

Foreign Currency Markup Fee: 2.5%

Main Benefits of This Credit Card:

  • Annual Fees: There is no annual fee charged on this UAB credit card for the first year. From second year onwards, the card member is required to pay AED 1500.
  • Complimentary Airport Lounge Access: With this credit card, the cardholder can enjoy free access to airport lounges worldwide.
  • Lifestyle Benefits: With this UAB credit card, the cardholder can get a free Harrods Rewards Black-tier Card. In addition to this, the card offers an international concierge service.
  • Travel Insurance: The cardholder can avail multi-trip travel insurance and can enjoy their trip without any hassle.
  • Discounted Offers: This UAB credit card offers amazing discounts on hotels and holidays when booked through hotelclub.com and Visa Luxury Hotel collection.
  • Cash Withdrawal facility: Member of this credit card can avail the privilege of withdrawing instant cash up to 50% of their total credit limit from over 1.8 Million ATMs worldwide.
  • Jumeirah Stay Offer: Cardholder can enjoy up to 25% discount at selected Jumeirah Hotels and resorts.
  • UAB Rewards:
    • On applying for United Arab Bank Infinite Credit Card, the member gets 50,000 UAB Reward Points.
    • Member of this UAB credit card can earn a maximum of5 rewards on spending of every $1. They can redeem the accumulated rewards for purchasing flight ticket at more than 900 airlines with no blackout dates. In addition to this, they can redeem the earned points at 200,000 hotels and 150 car rentals companies worldwide.
    • The UAB reward points can also be redeemed against more than 1,000 lifestyle & electronic items available online at the Infishop.

Note- The reward redemptions are subject to taxes.

2. United Arab Bank Visa Platinum Credit Card

UAB Platinum Credit Card is one of the first vertical cards available in the UAE. This unique credit card offers exclusive benefits and privileges that other credit cards simply cannot match. 

Foreign Currency Markup Fee: 2.5%

Main Benefits of This Credit Card:

  • Annual Fees: There is no annual fee charged on this UAB credit card for the first year. From the second year onwards, the members of this card are required to pay AED 700.

Note- The annual fees will be reversed if the card member spends AED 10,000 in a year.

  • Cash Withdrawal facility: Member of this credit card can enjoy the privilege of withdrawing instant cash up to 50% of their total credit limit from over 1.8 Million ATMs across the world.
  • Jumeirah Stay Offer: Cardholder can enjoy up to 25% discount at selected Jumeirah Hotels and resorts with this UAB credit card.
  • VOX Cinemas Offer: With this card, the cardholder can avail 50% off every Sunday on the movie ticket booked through Vox Cinemas.
  • UAB Rewards:
    • On applying for United Arab Bank Visa Platinum Credit Card, the card member will get 30,000 UAB Reward Points.
    • Members of this UAB credit card can earn a maximum of 2 rewards on spending the US $1. They can redeem these rewards for purchasing flight tickets at more than 900 airlines with no blackout dates. In addition to this, the UAB reward points can be redeemed at 200,000 hotel worldwide and 150 car rentals companies worldwide.
    • The UAB reward points can be redeemed against more than 1,000 lifestyle & electronic items online at the Infishop.
    • The rewards redemptions are subject to taxes.

3. United Arab Bank Titanium MasterCard Credit Card

With this UAB Credit Card, the cardholder can enjoy a host of benefits and privileges unmatched by any other credit card. In addition to this, it uses the newly advanced Chip & Pin technology, ensuring enhanced safety and more secure transactions. 

Foreign Currency Markup Fee: 2.5%

Main Benefits of this Credit Card:

  • Annual Fees: For the first year, there is no annual fee charged on this UAB credit card. From second year onwards, members of this card are required to pay AED 300.
  • UAB Rewards:
    • If they spend AED 300 within the 1st year of receiving the card, the cardholder gets 15,000 UAB Reward Points.
    • Member of this UAB credit card can earn a maximum of75 rewards on spending every $1. They can redeem rewards for purchasing air tickets at more than 900 airlines with no blackout dates. In addition to this, the UAB reward points can be redeemed at 200,000 hotel worldwide and 150 car rentals companies worldwide.
    • The reward points can also be redeemed against more than 1,000 lifestyle & electronic items that are available online at the Infishop.

Note- The rewards redemptions are subject to taxes.

  • Cash Withdrawal Facility: Member of this credit card get the privilege of withdrawing instant cash up to 50% of their total credit limit from more than 1.8 Million ATMs.
  • Travel Benefits: Member of this UAB credit card will get complimentary access to airport lounges at the following airports:
    • UAE- Dubai International Airport
    • Jordan- Queen Alia International Airport Amman
    • Egypt- Cairo International Airport
    • Kuwait- Kuwait International Airport
    • Saudi Arabia- Jeddah International Airport
  • Lifestyle Benefits: Offered by MasterCard, Priceless Arabia is a program that enables the cardholder to avail amazing discounts such as:
    • 15% off on the stay with Jumeirah Group.
    • Stay for 4 nights and pay for 3 nights under Starwood preferred guest program.
    • The cardholder can enjoy Buy One Get One (BOGO) offers across hotels, spa, fitness, and recreational activities etc.
  • IMG Worlds Offer: With this UAB credit card, the card member can avail 20% off on ticket bookings for IMG Worlds of Adventure.

4. United Arab Bank Business Mastercard

This UAB Business MasterCard caters to the self-employed entrepreneurs. It offers a wide range of privileges and benefits unparalleled with any other Business Card. This UAB credit card enables the cardholder to manage their finances with the utmost ease while reaping the privileges and benefits of a reward program.

Foreign Currency Markup Fee: 2.5%

Main Benefits of This Credit Card:

  • Annual Fees: For the first year, there is no annual fee charged on this UAB credit card. From the second year onwards, the member of this card is required to pay AED 400 as an annual fee.
  • UAB Rewards:
    • The cardholder gets 10,000 UAB Reward Points if they spend AED 400 within the first year of receiving this credit card.
    • Member of this UAB credit card can earn a maximum of 2 UAB rewards on spending of every US$1. They can redeem UAB Rewards for purchasing air tickets at more than 900 airlines with no blackout dates. In addition to this, the UAB reward points can be redeemed at 200,000 hotel worldwide and 150 car rentals companies worldwide.
    • The reward points can also be redeemed against more than 1,000 lifestyle & electronic items that are available online at the Infishop.

Note- The rewards redemptions are subject to applicable taxes.

  • Cash Withdrawal Facility: Member of this credit card gets the privilege of withdrawing instant cash up to 50% of their total credit limit from more than 1.8 Million ATMs.
  • Travel Benefits: Member of this UAB credit card will get access to complimentary airport lounges at the following airports:
    • UAE- Dubai International Airport
    • Jordan- Queen Alia International Airport Amman
    • Egypt- Cairo International Airport
    • Kuwait- Kuwait International Airport
    • Saudi Arabia- Jeddah International Airport
  • Lifestyle Benefits: Offered by MasterCard, Priceless Arabia is a program that enables the cardholder to enjoy amazing discounts such as:
    • 15% off on the stay with Jumeirah Group.
    • Stay for 4 nights and pay for 3 nights under Starwood preferred guest program.
    • Buy One Get One Free (BOGO) offers across hotels, spa, fitness, and recreational activities etc.
  • Special Offer: Upon spending AED 5,000 within the first 30 days of receiving this UAB credit card entitles the cardholder to enjoy the reversal of bonus rewards fee while retaining the bonus rewards of 10,000.
  • Features of This Credit Card:
    • The cardholder can brand their card by embossing the name of their company in the 4th line of the card.
    • For enhanced safety and more secure transactions, Chip & PIN feature is enabled in the card.
    • Card Fraud Protection is provided to the cardholder.

Benefits & Features of United Arab Bank Credit Cards

UAB credit cards are designed to meet various financial needs of the cardholders. With worldwide acceptance at millions of outlets, each of the UAB credit cards offers a range of benefits and privileges to its cardholders, making their life simpler and convenient. Some of the major benefits are highlighted below:

1. Easy Payment Plan (EPP): With the help of the Easy Payment Plan, member of UAB credit card can convert their retail purchases into monthly instalments of 3,6,9 or 12 months.

Note- They should meet the following eligibility criteria to be eligible for this offer:

  • Minimum retail purchase of AED 1,000 per transaction.
  • Easy Payment Plan can be availed up to 95% of the total credit limit.
  • This offer is valid only for conventional credit card members.

2. Loan on Phone (LOP): Card member can avail the facility of Loan on Phone and enjoy a wide range of benefits along the way. The applicable interest rates are given below:

 

Tenure Monthly Interest Rates (in %)
3 months 1.99
6 months 1.49
9 months 1.29
12 months 0.99
  • Processing Fee: 2% or AED 200 (whichever is higher) per application.
  • Early Closure Fee: 1% or AED 100(whichever is higher) per application.
  • Minimum LOP Amount: AED 2500
  • Maximum LOP amount (% of the credit limit): 80% of available credit card limit.

Note: The cardholder can avail multiple LOP, but the total LOP amount should not exceed 80% of the available credit limit.

  • Payment Channels: The UAB Credit Cards offer some of the most diverse set of payment options. The cardholder can pay their outstanding amount by using any of these payment channels:
    • At UAB branches
    • Through online banking
    • Through ATM/CCDM
    • At AI Ansari Exchange
  • Complimentary Access to Airport Lounge: Majority of the UAB Credit Cards offer free access to VIP airport lounges across the Middle East.
  • Credit Limit Increase: Member of UAB credit cards can increase their credit limit on a temporary basis.
  • Discounts & Privileges: The cardholder can avail several lifestyle and travel benefits worldwide.
  • Cash Withdrawal Facility: Credit Cards offered by UAB provide cash withdrawal facility to the cardholder. They can withdraw instant cash up to 50% of their total credit limit from over 1.8 Million ATMs across the globe.
  • Credit Shield: Known as Credit Shield, UAB offers a third-party insurance policy. This policy safeguards cardholder against any unforeseen (covered) event.
  • Grace Period: A grace period of up to 55 days is provided to make interest-free payments on retail purchases.

Retail Monthly Rates & Annual Markup Fees of United Arab Bank Credit Card

Here is a complete list of retail monthly rates and annual membership fees for UAB Credit Cards:

 

Name of Cards Retail Monthly Rates
United Arab Bank Infinite Credit Card 2.79%
United Arab Bank Visa Platinum Credit Card 2.99%
United Arab Bank Titanium MasterCard Credit Card 3.19%
United Arab Bank Business Mastercard 2.99%

 

Annual Fees 1st Year Free for all UAB Credit Cards
2nd Year Onwards
Name of Cards Annual Fees (in AED)
United Arab Bank Infinite Credit Card    1,500
United Arab Bank Visa Platinum Credit Card     750
United Arab Bank Titanium MasterCard Credit Card     300
United Arab Bank Business Mastercard      400

 

Eligibility Criteria for United Arab Bank Credit Card

In order to avail any of the UAB Credit Cards, the applicant must fulfil the following eligibility criteria:

  • The applicant must be 21 years (or above) of age.
  • The applicant must have a source of regular income.
  • The applicant must have a good credit history.

How to Apply for United Arab Bank Credit Card?

The applicant can apply for a UAB credit card either online or offline.

Online Application

The easiest and convenient way of applying for a UAB credit Card is online. The applicant would need to log on to the official website of United Arab Bank. After that, they need to click on the credit card section. They can check out the various credit cards and understand the different features and benefits offered by them. The credit card member can opt for the credit card that perfectly suits their financial needs. They can apply for the credit card online by filling in the online application. If the provided details fulfil the eligibility criteria set by UAB, the applicant will get a call back from the bank. The bank executive will guide them with further process.

Offline Application

Alternatively, the applicant can apply for UAB credit card by visiting the nearest branch. In order to complete the application process, the applicant would have to fill in the credit card application form, attach the relevant documents and submit the form. Once all the background verification is done, the credit card application will be processed within 10-15 working days.

United Arab Bank Credit Card Interest Rates

There are two types of major interests charged on UAB conventional credit cards i.e. retail interest and cash advance interest. The retail interest rate varies from card to card. Listed below are retail interest rates charged by various UAB cards:

 

Name of the Card Retail Interest Rates (in %)
United Arab Bank Infinite Credit Card 2.79
United Arab Bank Visa Platinum Credit Card 2.99
United Arab Bank Titanium MasterCard Credit Card 3.19
United Arab Bank Business Mastercard 2.99

 

Cash advance fees applicable for all conventional UAB credit cards is 3% with a minimum AED 100.

United Arab Bank Credit Card Limit

While UAB considers different factors when deciding the credit card limit of an applicant, there are some common factors that affect the maximum credit card limit on each UAB credit card:

  • Type of UAB credit card
  • Applicant’s monthly income
  • Applicant’s credit history
  • Limits on other credit cards (if already have)

Fees & Charges of United Arab Bank Credit Card

There are several fees and charges applicable to UAB credit cards. The cardholder ought to know about these charges in order to avoid paying high interest rates, penalties, excess payment charges, and so forth.

Listed below are fees and charges of UAB Credit Cards:

 

Add-on card fees Free
Over Limit Charge AED 199
Late Payment Fee AED 230
Reissue of lost, stolen or damaged card AED 75
Credit Shield insurance charge 0.89% of the outstanding balance

 

How to Cancel a United Arab Bank Credit Card?

In order to prevent charges from accumulating on an unused UAB credit card, the card member can request for the card cancellation process.

To initiate the cancellation process, the card member needs get in touch with the bank representative by calling at (+971) 800474. The representative may also ask them to send a written confirmation of the same.

Note- The cancel request will only be completed after all dues amounts have been paid by the cardholder. Once all dues are cleared, UAB will provide you with the cardholder with a closing statement stating that the credit card has been cancelled.

Why Choose United Arab Bank’s Credit Card?

Here are the reasons why the UAB credit Card is a must have:

  • Excellence: UAB credit cards have consistently outperformed their competitors by offering unmatched benefits and privileges to its cardholders. This makes UAB a highly rewarded bank in the UAE.
  • Variety: UAB offers different types of credit cards and each of them has its own set of features and benefits. The credit cards offered by UAB cater to particular segments of customers which range from entrepreneurs to the emerging affluent class.
  • Customer Care Support: From amazing UAB credit card offers to the effortless round the clock customer support, UAB provides excellent customer care support to the customers.

United Arab Bank FAQ's

Q.1 What are the UAB Reward Points?

The UAB Reward Points help you earn bonus reward points upon making purchases through UAB credit card. These reward points can be further redeemed against booking flight tickets, hotel reservations, car rentals, and different products from the official UAB rewards store.

Q.2. How can I use the Easy Payment Plan (EPP)?

The Easy Payment Plan Program helps the cardholder convert their credit card bill into monthly installments of 3, 6, 9 or 12 months. EPP plan can be availed on minimum purchase of AED 1000. It is available exclusively for the conventional credit card members. It is capped at 95 percent of the total credit limit.

Q.3. How can I pay my UAB credit card bill?

You can pay your UAB credit card bills at any of these payment channels:

  • UAB branches
  • online banking
  • ATM/CCDM
  • AI Ansari Exchange

Q.4. What am I supposed to do if my credit card is stolen or lost?

If your credit card gets lost or stolen, you must report the same to the bank’s representative and get your card blocked. It will help to prevent any fraudulent transaction that can be put on your card.

Q.5. What is an over-limit fee?

An over-limit fee is a penalty which is charged by a credit card provider if the cardholder exceeds the credit limit. The over-limit fee of AED 199 is charged on UAB credit cards.

Q.6. What is a cash advance?

Any cash withdrawal made through an ATM with the credit card is known as a cash advance. Generally, credit cards charge high-interest rates on cash advance, so it is advisable to avoid withdrawing cash through credit card. Instead, you can withdraw cash through a debit card.

Well, every UAB credit card charges cash advance fee.

Q.7. How much of my credit limit can I use for cash advance transactions?

You can withdraw instant cash up to 50% of your total credit limit.

Q.8. What is a foreign currency transaction markup fee?

When you use your credit card for making transactions overseas, your credit card issuer charges a transaction fee of up to 3.5% of the transaction amount every time you make a purchase or withdraw cash. This fee may vary from one card to another.

UAB credit cards charge 2.5% foreign currency transaction markup fees.

Q.9. What is supplementary or add-on card? How can I avail it?

Also known as an add-on card, the supplementary card is a credit card offered for the family members of the primary cardholder. The supplementary card works exactly like a primary credit card and is eligible for the same benefits and privileges. However, all the expenses and fees are charged on the main card.

Q.10. Are there any charges applicable for issuing a duplicate copy of statements on credit card?

Yes, UAB charges AED 45 for a duplicate copy of statements on credit card.

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