Business Credit Cards

Business Credit Cards

Managing your cashflow has never been easier. With a UNB Business Credit Card, you get a combination of extras and benefits that let you pay on your terms, all whilst earning points and rewards for selected categories.

Turn everyday expenses into cash back and discounts. Buy now and pay later on those purchases that just can’t wait, with our Pay Less and easy instalment plans. Earn cash back points on a card that also gives you good credit limits and competitive rates.

We even include a Gold International Travel Card, so you can travel in style and with ease, getting preferred rates on foreign exchange, airport lounge access deals, and discounts at some of the world’s most luxurious hotels.

Benefits and Features

  • Credit limit of up to AED 150,000 per card
  • 3.5% cash back points on courier, water and electricity, and stationary services
  • Instalment plan of 0.99%
  • Pay Less Instalment plan available for Cash withdrawal at 1.1% per month interest rate, up to a maximum of 50% of credit card limit
  • Free Gold International Travel Card


  • Current UNB business customers, or new business customers with existing relationships with other banks
  • Operating in the UAE for a minimum 3 years

Cash back scheme features

Minimum monthly spend to be eligible for cash backAED 3,000
Maximum monthly cash backAED 300
Minimum redemption valueAED 50
Points validity duration2 years
Points redemptionAt customer's request

Pay Less Instalment Plan Features

Loan limit50% of credit card limit (Pay Less en-cash)
Tenor3-36 months
Interest Rate1.1% per month for Pay Less en-cash and 0.99% per month for instalment scheme

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