UNB-HCT Reward Card

UNB-HCT Reward Card - image


  • Upto 3 UNBmiles on every spend
  • Automatic enrollment to UNBmiles Program, which can be redeemed via online portal for booking flights, hotels & rent-a-car worldwide, transferring UNBmiles to travel & retail loyalty programs, mobile recharge at 200+ Telco's globally, and getting e-vouchers for renowned malls and brands across GCC
  • Unlimited free access to 10+ airport lounges across GCC
  • 20% discounts on Careem rides
  • Hundreds of buy 1 get 1 offers across hotels , dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting discounts of up to 40% at 250+ across renowned shopping, leisure & entertainment partners


Welcome to UNB-HCT Reward Card, offering numerous exciting benefits, free lounge access and much more!

Up to 3 UNBmiles on Every Spend

  • 1.5 UNBmilesfor every AED 1 spent locally. No caps.
  • 3 UNBmilesfor every AED 1 spent internationally. No caps.

Redeem your UNBmiles for booking flights & hotels online, transferring points to 14+ airline & hotel partners, mobile recharge anywhere anytime at 200+ telecoms worldwide, and much more.

Call our 24/7 HelpDesk number 600-566-665 to get your customer number and then click here for accessing UNBmiles portal. You will be required to create a first time login ID and password using your Customer Number or can access using your Customer Number and answering 3 security questions.

*Minimum  monthly retail spend  of AED 500  is required to earn  UNBmiles  on your spend.UNBmiles  will not be earned for transactions done on POS machines within HCT campuses.UNBmiles T&C apply. Click here for more details.

Complimentary airport lounge access across  GCC

With UNB-HCT Reward Card, you can enjoy unlimited free airport lounge access at 10+ lounges across GCC including UAE, KSA, Jordan, Kuwait and Egypt. Just show your valid UNB-HCT Reward Card at the reception of lounges to get your complimentary access. Click here for more details.

20%  off  on  Careem  Rides

Book a ride with Careem and have your own personal driver take you where you need to go. With UNB-HCT Reward Card, get:

  • Your first ride free (for new Careem customers only)
  • Three 20% discounted rides, monthly
  • Valid for Bookings via Careem Mobile App

Click here for more details.

Hundreds of Buy 1 Get 1  Offers

Choose from hundreds of complimentary offers throughout the Middle East & Africa across hotels, fine dining, premium spas, and more, when paying with your UNB-HCT Reward Card. Download the Mastercard Buy 1 Get 1 App to browse the best offers with 900+ offers across 90+ destinations and 600+ merchants. Click here for more details.

Exciting Discounts of  upto  40% off across UAE

Enjoy exciting offers of upto 40% off at renowned brands in UAE across dining, shopping, electronics , wellness categories and more when you pay using your UNB-HCT Reward Card.

Click here for more details.

Schedule of Charges

Annual fee  
Replacement card  
Cash withdrawal fee  
3.15% of amount withdrawn or minimum AED 5.25  
Foreign transaction fee  
Payment at exchange houses  
As applicable at exchange house  
>Fees inclusive of applicable VAT charges

^ Excluding payment association fees

All charges are subject to change


Applicants must be:

  • HCT’s (Higher College of Technology) student or employee.

Terms & Conditions

Terms & Conditions apply

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