UNB ADCOOP Extra Titanium co-brand Card

UNB ADCOOP Extra and Spar Titanium Card

UNB ADCOOP Extra Titanium co-brand Card


  • No annual fee
  • 4% cashback on all purchases at Spar and Abu Dhabi COOP Supermarket and Hypermarket outlets*
  • 0.4% cashback on all other purchases
  • Minimum monthly spend to qualify for Cashback value is AED 500/-
  • Exclusive offers and discounts of up to 50% off at Spar and Abu Dhabi COOP Supermarket and Hypermarket outlets
  • Easy monthly instalment plan at 0.69% per month for purchases at Spar and Abu Dhabi COOP Supermarkets and Hypermarkets
  • Credit Shield insurance against personal accident and loss of employment
  • Free online and mobile banking
  • Free SMS notifications & e-statements, so you can track all your transactions
  • 24/7 access to our Call Centre
  • Balance transfer facility available


At UNB, we strive to bring you real benefits you can use every single day. We’ve made that possible by partnering with the best, Abu Dhabi COOP Group and Spar supermarkets. The result? Our UNB ACOOP Extra and Spar Titanium Card, the card that rewards you every time you shop for groceries. Available to you without annual fees, and giving you rewards like cashback every time you shop at ADCOOP and SPAR. You’ll also enjoy airport lounge access and absolutely no annual cardholder fees.

Who knew grocery shopping could bring you so much more than your daily groceries? Get shopping, and be rewarded!

Airport Lounge access

Gain access to lounges at these airports:

Abu Dhabi  
Saudi Arabia  

Redeem your cashback

To redeem your ADCOOP and Spar cashback, just call 600566665. We’ll give you gift vouchers to the value of your cashback earnings. Spend your vouchers at Abu Dhabi COOP Group stores.

Balance Transfer

DescriptionPricing & Tenors
New and existing UNB customersUp to 0.69% per month
For tenors up to 36 months for expatriates
For tenors up to 48 months for UAE Nationals
NOTE(UAE Nationals should not be over 65 years old at tenor maturity; expats should not be over 60 years old)
Minimum balance transfer amount: AED 2,000

Fees and Tariffs

Annual fee  
Annual fee Supplementary (4 free)  
AED 105  
Point of Sale interest Rate -per month  
Starting from 3.19%  
Cash Advance per month  
Starting from 3.25%  
Cash withdrawal fee  
3.15% minimum AED 105  
Late payment fee  
AED 315  
Over-limit fee  
AED 210  
Duplicate statement / copy request  
AED 105  
Credit shield per month  
Foreign transaction fee  
Payment at exchange houses  
AED 5.25 / transaction  
AED transaction outside UAE  
Replacement card  
AED 157.50  

Fees inclusive of applicable VAT charges

^ Excluding payment association fees

Note: You can ask for information on any other fees and charges that apply to you at any UNB branch.

All charges are subject to change.


You do not need to have your salary transferred to a UNB account to apply for a UNB ADCOOP Extra and Spar Titanium card.

Applicants must be:

  • Earning at least AED 8,000 per month
  • Employed at current employer for at least 6 months (with confirmation)

Terms & Conditions

Terms & Conditions apply

*Maximum cash back amount – AED 4,800 per year

The Bank may, from time to time by giving notice in writing or by publication, vary the Minimum Payment Amount, rate of finance charge or interest or any other charges/fees specified in Terms and Conditions. Such variations apply from the effective date specified by the Bank.

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