The credit cards offered by the Union National Bank in the UAE offer customers a mix of cards that are meant for shopping and those that are meant to for those who are frequent travellers. They also offer cards that have been designed to suite the individual needs of various customers. These cards offer a combination of features and privileges that serve to make the cardholders shopping experience more convenient and pleasurable.
Credit Cards Offered by Union National Bank
The credit cards that are offered by Union National Bank are:
Union National Bank World MasterCard Credit Card
This is a credit card that is aimed at the frequent travellers because it offers privileges like free lounge access at over 500 airports, free travel insurance, special offers and discounts on hotel bookings. It also offers a reward program that can earn you miles to exchange for flight tickets.
Union National Bank Titanium Credit Card
This too is a credit card that has special offers centered around travel. It offers easy to pay instalments for travel related expenses and allows for points to be earned through a rewards program that allows points to be exchanged from attractive discounts.
Union National Bank Platinum Credit Card
The Platinum card is a Visa card that provides access to the international privileges offered by Visa and includes features like grace periods for bill payments, access to Marhaba and Gold Class lounges if this card is used to book tickets.
Union National Bank Gold Credit Card
This is a credit card that offers special discounts on Marhaba and Golden Class lounges. It also offers high cash withdrawal limits, balance transfer facilities and free supplementary cards.
Union National Bank Classic Credit Card
The Classic credit card offered by the bank offers cardholders the entire credit limit as cash. It also offers interest free credit periods and access to exclusive travel desks. It also offers a rewards program that can be converted into cash.
Union National Bank EXTRA UNB ADCOOP Credit Card
This is a credit card that is ideal for shopping because it offers exciting cash back offers when used for shopping. It also comes with no annual fee and allows for large purchase to be paid back in easy to pay instalments.
Union National Bank International Travel Credit Card
This is a travel credit card that offers features like extra protection for purchases, better exchange rates for currencies and even discounts and deals on hotel bookings and travel packages.
Union National Bank (UNB) EgyptAir Credit Card
This is a card that is ideal for anyone who travels to Egypt a lot because it offers things like 0% interest on converting EgyptAir tickets into easy to pay instalments. It also offers free medical services in Egypt along with 0 annual fee.
UNB Internet Credit Card
This is a credit card that has been conceived especially for those who indulge in online shopping regularly. It comes with security features like 3D secure to prevent against fraudulent use of the card. It also offers a wealth of other special offers to cardholders.
Why choose Union National Bank Credit Card?
Choosing a Union National Bank credit card is a good option because the cards provide customers with a wealth of benefits that range from rewards programs to special discounts on hotel bookings, restaurants and flight tickets. Some of these cards also offer 0% interest rates on instalment plans and are free for life. Many of them also grant access to premier airport lounges for free or at a discount thus making these cards a good choice of cards for anyone.
Union National Bank Credit Card Offers
The special offers available on Union National Bank credit cards are:
- Travel Offers
The special offers available on travel can get cardholders discounts of up to 25% with participating brands like Jet Airways, celartrip, musafir.com, Etihad Airways and more. Apart from the discounts, these offers also consist of easy instalment plans with 0% interest rates.
- Dining Offers
The offeres on dining provided by these cards allow customers to access discount of up to 20% on the total bill or the bill for food and beverages at tons of restaurants.
- Electronics Offers
The special offers on electronics can be availed either as discounts of about 10% on select electronic items or as easy to instalments schemes for up to 6 months at 0% interest.
- Entertainment Offers
The special offers on entertainment can provide customers with discounts on the fee for activities like bungee jumping, helicopter tours, landscaping activities or visits to theme parks.
Features & Benefits of Union National Bank Credit Card
While each credit card has features that are unique to it, these are some of the more prominent features of the UNB credit cards.
- Many of the cards are free for life, which means that they don't come with any annual fee.
- They offer easy to pay instalment schemes at 0% interest rates.
- These cards allow for balance transfers.
- Some of the travel credit cards offer exclusive access to lounges at airports around the world.
- Almost all cards come with reward programs that allow customers to earn points that can either be encashed or redeemed.
- The reward points earned can also be exchanged for flight tickets with participating partner airlines.
- The cards also offer credit shields that ensures your outstanding balance never becomes a burden.
- Some of the cards also offer free travel insurance for when you travel abroad.
Other Products offered by Union National Bank UAE
Apart from the credit cards, here are some of the other products offered by UNB.
- Union National Bank Personal Loans
- Union National Bank Home Loans
- Union National Bank Fixed Deposits
Union National Bank Credit Card – Frequently Asked Question
- Can I take supplementary cards on my UNB credit card?
Yes you can take supplementary cards on your card.
- How many free supplementary cards can be taken?
Free supplementary cards depend on the primary card and offers running on it. It could be as many as 4.
- What is the interest rate charged on these cards?
The interest rate charged on these cards can range from 2.69% to 3.5% per month.
- Do I get an interest free credit period?
Yes you can get an interest free credit period of up to 50 days but that depends on the card you are using. It is not always available with all the cards.
- How much do I have to pay for the credit shield?
The charge for the credit shield is 0.89% of the outstanding balance on the card.
- How do I avail the special offers?
In most cases to be able to avail the special offers, you will have to ensure that you pay for the services using this card.
News About Union National Bank Credit Cards
UNB’s first half net profit decreased by 22% from last year
UNB reported a net profit of Dh922 million for the first half of 2016 which was down by 22% from last year. The second quarter profit for 2016 was up by 5% when compared to last year but the net profit was down by 17%. The operating profit for the first year of 2016 was Dh1.15 billion and the operating income for the 1st 6 months was lower by 12% from last year. Loans and advances were up by 4% from last year. Bank’s investment portfolio was up by 19% from last year. The non-performing loans and advances ratio to gross loans and advances was stable at 3.6% when compared to last year.
19th July 2016
Capital Intelligence Rating announces UNB’s rating
United National Bank was rated at A+ for the Financial Strength Rating by Capital Intelligence Ratings. A ‘Stable’ outlook is appended and that the bank will maintain its major parameters. UNB’s Long term Foreign Currency Rating was affirmed at A+ and the UNB’s Short term Foreign Currency Rating was affirmed at A1. The rating has been underpin by the good financials and management. The support rating reflects high likelihood that support is forthcoming when needed. UNB will address the low non-interest income base and the higher than the peer group funding cost.
05th July 2016