UNB Classic Card

UNB Classic Card

UNB Classic Card


  • No annual fee
  • Earn 1 UNBmile for every 1.5 AED you spend, with our rewards programme
  • 50% movie cashback as UNB miles
  • Special discounts on Marhaba and Golden Class services at Dubai and Abu Dhabi airports
  • Exclusive dining, shopping and entertainment offers
  • Instalment plans of up to 12 months for purchases at leading UAE outlets
  • Credit Shield insurance against personal accident and loss of employment
  • Balance transfer facility available
  • Interest-free grace period of up to 50 days
  • Free online and mobile banking
  • Free SMS notifications & e-statements, so you can track all your transactions
  • 24/7 access to our Call Centre


Your Credit Card is your passport to convenience. It’s peace of mind in your pocket; the knowledge that you’re covered whenever you need a little extra in a hurry.

At UNB, we understand how your Credit Card makes life that much easier. We’ve set out to simplify your finances further with our Classic Card. It’s more than just credit; we’ll also reward you with UNBmiles every time you swipe.


Local spending  
1 UNBmile for every AED 1.5 you spend  
International spending  
1 UNBmile for every AED 1.5 you spend  
Movie cashback  

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

Over-limit fee for Classic cards is AED 315

^ 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 the age of 65 at tenor maturity; expats should be no older than 60)
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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