UNB ADCOOP Extra Classic

UNB ADCOOP Extra Classic


  • No annual fee
  • 3.5% cashback on all purchases at Abu Dhabi COOP Supermarket and Hypermarket outlets when you spend more than AED 500
  • 0.35% cashback on all other shopping when your monthly shopping spend is over AED 500
  • Exclusive offers and discounts of up to 50% at Abu Dhabi COOP Supermarket and Hypermarket outlets
  • Balance transfer facility available
  • Easy monthly instalment plan at 0.79% interest per month for purchases at 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


You know that by being smart, you can save your family a lot in grocery bills and other daily expenses. You also know that Abu Dhabi COOP (ADCOOP)’s low prices are hard to beat.

Now, not only do you benefit from the best prices at ADCOOP – if you shop using your UNB ADCOOP Extra Classic Credit Card, you’ll also get cashback on your ADCOOP and other retail outlet purchases, exclusive ADCOOP discounts and offers and the option to pay off your spend in instalments.

Who knew there were so many advantages to making the smart choice?


3.5% cashback  
on all purchases at Abu Dhabi COOP Supermarket and Hypermarket outlets  
0.35% cashback  
on all other shopping  

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 241.50  
Over-limit fee**  
AED 210  
Duplicate statement  
AED 47.25  
Copy Request  
AED 68.25  
Credit shield per month  
Foreign transaction fee  
Payment at exchange houses  
AED 5.25 / transaction  
AED transaction outside UAE  
Replacement card  
AED 78.75  
Liability / No Liability Letter  
AED 52.50  

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.


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

*Maximum cash back amount – AED 3,600 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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