UNB World MasterCard

UNB Titanium Card

UNB Titanium Card


  • Joining bonus of upto AED 500 as UNBmiles
  • 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
  • 50% value back on cinema spend anytime, anywhere in UAE
  • 20% discounts on Careem rides
  • Free annual auto registration or renewal and free emergency road side assistance anytime anywhere in UAE with AAA
  • 0% interest for 3 months on all travel purchases- no processing fee
  • 0% interest for 6 months on balance transfer
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets. No processing fees
  • 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


You work hard. You work smart. You have your sights on the very best – and that’s what UNB gives you with the UNB Titanium Card. With exciting rewards on every spend, you can enjoy life at its best!

Joining Offer & Rewards

Joining bonus of upto AED 500 as UNBmiles

  • AED 200 on a minimum retail spend of AED 2,000 within first 60 days from card issuance date
  • AED 400 on a minimum retail spend of AED 4,000 within first 60 days from card issuance date
  • Extra AED 100 for any utility bill payment through UNInet within first 60 days from card issuance date

T&C apply. Click here for details

Up to 3 UNBmiles on Every Spend

  • 1.5 UNBmiles* for every AED 1 spent locally.
  • 3 UNBmiles* for every AED 1 spent internationally.
  • Redeem your UNBmiles for booking air tickets and hotels, gift vouchers, and much more directly from UNBmilesportal. 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. Customer Number can be obtained from your UNB Titanium Card statement or by logging onto UNB Online Banking.

*Minimum spend of AED 500 per month is required to earn UNBmiles. UNBmiles T&C apply. Click here for more details.

Cardholders who are under a special pricing program (Titanium Power Card) will not be eligible for UNBmiles rewards including welcome bonus.

Travel Privileges

Complimentary airport lounge access across GCC

Both primary and supplementary UNB Titanium cardholders can enjoy unlimited free airport lounge access at 10+ lounges across GCC including UAE, KSA, Jordan, Kuwait and Egypt. Just show your valid UNB Titanium Card at the reception of lounges to get your complimentary access. Click here for more details.

0% Interest for 3 Months on all Travel Purchases

With UNB Titanium credit card, you can now take more frequent vacations without worrying about the expenses. Convert your travel purchases into equal instalments at 0% interest for 3 months without any processing fee. All you have to do is pay for your air tickets and hotels with UNB Titanium credit card and contact our HelpDesk at 600-566-665 before your next billing cycle to avail the offer. T&C apply.

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 Titanium credit 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.

Lifestyle Privileges

50% Value Back on Movies

Get 50% value back on cinema spend anytime, anywhere with UNB Titanium credit card. Maximum value-back is up to AED 125 per month in the form of UNBmiles, subject to minimum monthly spend of AED 1,500 on your card. UNBmiles T&C apply

Free Auto Registration or Renewal Services

Get free annual auto registration or renewal and free emergency road side assistance anytime anywhere in UAE. Services include minor mechanical assistance, accident recovery, battery boosting, fixing a flat tire, lock service, emergency fuel delivery and towing facilities. Call 8008181 to avail the service.

0% Interest for 6 Months on Balance Transfer

Transfer your credit card outstanding balance from other bank’s card to UNB Titanium credit card within 6 months of UNB Titanium credit card issuance date and enjoy instalment for upto 6 months at 0% interest, with a 2% processing fee. Call at 600-566-665 to avail the offer.

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 Titanium credit 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 & 0% Instalment Plans

Enjoy exciting offers of upto 40% off across renowned brands in UAE when you pay using your UNB Titanium credit card.

Also, you can convert your purchases into easy instalments for upto 6 months at 0% interest across 30+ renowned brands in popular retail categories including travel, hotels, jewelry, electronics & more. Click here for more details

Schedule of Charges

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

^ 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

Terms & Conditions

Terms & conditions apply

*Terms and 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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