Last Updated on 07 November 2019

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Union National Bank Classic Visa Credit Card

Union National Bank Bank

WarningMessage This product is discontinued by the Bank

Classic Visa Credit Card

Union National Bank Classic Visa Credit Card
Interest Rate

3.19%

Minimum Salary

AED 5K

Fx Rate

2.99%

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

No

Union National Bank Classic Visa Credit Card
interest rate

3.19%

Interest Rate

min salary

AED 5K

Minimum Salary

fx rate

2.99%

Fx Rate

annual fee

AED 0

Annual Fee

bal transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • Get UNB miles on every dirham spent
  • An interest rate of 3.19% is charged on late payments
  • A monthly income of AED 5000 is required
  • Can avail balance transfer service for longer tenures
  • No annual fees are charged

Main Benefits

  • Get discounts at selected airport lounges
  • Can convert payments to installments plan for longer tenures
  • Credit shield is provided at lower rates
  • Can get grace period on monthly payments
  • Get free alerts on every transaction made
  • Get registered automatically for mobile banking
  • Earn 1 UNB miles on every 1.5 dirham spent

Frequently Asked Questions

⭐ What is the maximum credit limit provided?

A. The credit limit depends on the applicant’s monthly income.

⭐ What are the charges for exceeding the credit limit?

A. You need to pay AED 315 if you exceed your credit limit.

⭐ How many UNB miles do I get on international transactions?

A. You earn 1 UNB miles on 1.5 dirhams spent on any international transactions.

⭐ What are the charges for using my card outside UAE?

A. 2.99% of the transaction amount will be added as the fees on international transactions.

⭐ If my UNB Classic Visa Credit Card is lost/stolen, will that be replaced?

A. Yes, your lost/stolen card will be replaced as early as possible, once it is reported.

⭐ What are the charges for the replacement?

A. AED 157.50 is charged to get a new card replacing the old one.

⭐ Do I need to pay VAT separately?

A. No, all the charges are inclusive of VAT.

⭐ Are there any charges for using my card at the exchange outlets?

A. Yes, AED 5.25 is charged per transaction on using your card at the currency exchange outlets.

   Get in touch with Union National Bank Customer Care

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