UNB Cash Back Card

UNB Cashback Card


  • 3% cashback on all your card transactions up to AED 3,600 per year, when you shop at grocery stores, supermarkets, gas outlets, pharmacies, home furnishing shops, book and toy shops, retail outlets, vegetable markets and household appliance outlets
  • Bonus 0.5% cashback on all daily transactions if you choose to revolve your payments
  • Cashback redemption anytime within two years
  • Balance transfer facility available
  • Free online and mobile banking
  • Free SMS notifications & e-statements, so you can track all your transactions
  • 24/7 access to our Call Centre


Groceries, home maintenance, school supplies for the kids, musts for your motor car – it seems that our list of expenses grows by the day. But what if that was a good thing? What if the more you spent, the more you could save? UNB’s Cashback Card removes the ‘what if’ by giving you 3.5% cashback every time you swipe your card.

Go on – add a little luxury to your shopping list. Can you afford not to?


3% cashback on all your card transactions up to AED 3,600 per year  

Fees and Tariffs

Annual fee  
AED 262.50  
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

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


Applicants must be:

  • Earning at least AED 5,000 per month
  • Employed at current employer for at least 6 months (with confirmation)

Terms & conditions

Terms & conditions apply

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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