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UAB Platinum Credit Card
Joining Fee
Free
Annual Fee
AED 787.50
Minimum Salary
AED 5,000

UAB Platinum Credit Card

UAE Mastercard Platinum cashback card with Careem and Booking.com discounts.

Updated Sep 2026

≈ AED 6,000 potential value / year
WebsiteVisit UAB Platinum Credit Card credit card website

At a glance

Fees and eligibility

Joining Fee
Free
Annual Fee
AED 787.50
Minimum SalaryAED 5,000
See all fees

Rewards

CategoryUnder AED 3,000AED 3,000+AED 5,000+
Video Streaming
0%
0%
100%
Fuel, Grocery
0%
3%
5%
CategoryUnder AED 3,000AED 3,000+AED 5,000+
Video Streaming
0%
0%
100%
Fuel, Grocery
0%
3%
5%

Tiers are total monthly spend on the card. Total rewards capped at AED 500 a month

See all rewards

Top benefits

Careem Ride Discounts
Booking.com Cashback
Cleartrip Discount
Priceless Specials
Easy Payment Plan
Balance Transfer
Loan on Phone
Credit Shield Cover
See all benefits

Rewards

Up to 5%

cashback on groceries and fuel after AED 5,000 monthly spend.

UAB pays 3% on grocery/fuel after AED 3,000 eligible monthly spend, or 5% after AED 5,000, with a shared AED 500 monthly cap. Qualifying video streaming earns 100% within the cap; other spend earns no cashback.

See full breakdown

Rewards Calculator

My Wallet

Already have the UAB Platinum Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Wallet

Eligibility

21

Minimum Age

5,000AED

Minimum Income

UAE residents only

Applicants must have a valid passport and Emirates ID.

Security cheque may be required

Approved credit limits above AED 100,000 may require an undated cheque for up to 120% of the approved limit.

Documents ready

Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

November Spotlight

Emirates NBD

Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.

See all
ENBD noon One Visa Credit Card Design
4.1/5

EMIRATES NBD

ENBD noon One Visa Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • AED 500 bonus on AED 5,000
  • 20% back in credits on noon Food
  • 5% back in credits on noon
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
3.9/5

EMIRATES NBD

ENBD Voyager World Credit Card

  • Salary: AED 12,000+
  • 75,000 Miles on AED 35,000
  • No Annual Fee
  • 6 Miles/AED on Voyager Portal
  • 3 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

  • Salary: AED 25,000+
  • 150,000 Miles on AED 70,000
  • No Annual Fee for the first year
  • 12 Miles/AED on Voyager Portal
  • 6 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Additional Benefits

Careem Ride Discounts

20% off 3 rides per month.

20% off up to 3 Careem rides per month.

Booking.com Cashback

Up to 10% cashback on hotel bookings.

Up to 10% cashback on Booking.com hotel bookings after registering the card and paying with it at checkout.

Cleartrip Discount

Up to 30% off with promo code MASTERCARD.

Up to 30% discount on Cleartrip bookings using promo code MASTERCARD.

Priceless Specials

Buy-one-get-one and discount offers on dining, fitness, beauty, hotels and attractions.

Buy-one-get-one and discount offers across dining, fitness, beauty, hotels and attractions via Priceless Specials. Register through the Priceless app using the card's first 8 digits.

Easy Payment Plan

0% for 6 months, or 3/9/12-month plans from 1% per month.

Convert purchases to 0% instalments over 6 months for a one-time fee of AED 52.50 or 3.15% of the amount, whichever is higher. Alternatively, 3, 9 or 12-month plans are available at 1% per month plus an AED 52.50 processing fee.

Balance Transfer

0% for 6 months on transfers from AED 2,500 up to 80% of your limit.

Transfer outstanding balances from other cards at 0% for 6 months, for a one-time fee of AED 315 or 3.15% of the transferred amount, whichever is higher. Minimum transfer AED 2,500, maximum 80% of the card's credit limit.

Loan on Phone

0% for 6 months, or fixed-rate plans up to 12 months.

Convert available credit to a cash loan at 0% for 6 months for AED 315 or 3.15% of the loan amount, whichever is higher. Alternatively, choose 3, 9 or 12-month plans at 1.90%, 1.29% or 0.99% per month plus a 2.10% (or AED 210) processing fee.

Credit Shield Cover

Optional job-loss and disability cover for 0.06% of your outstanding balance per month.

Optional credit shield insurance covering involuntary job loss and temporary or permanent disability, charged at 0.06% of the outstanding balance per month.

Fees

Free

Joining Fee

First-year annual fee is waived.

787.5AED

Annual Fee

From year two onward; waived when annual card spend reaches AED 60,000.

3.79%

Monthly Finance Charge

Per UAB's November 2025 Key Facts Statement.

Cash Advance Fee3.15%*

*3.15% of the amount withdrawn or AED 157.50, whichever is higher.

Cash Advance Interest3.79%*

*3.79% per month on the outstanding cash advance balance; cash advances are limited to 15% of the credit limit, capped at AED 10,000.

Currency Conversion Fee3.15%*

*Applied in addition to the 2.63% issuer markup fee on the same foreign currency transaction.

Issuer Markup2.63%*

*Applied in addition to the 3.15% currency conversion fee on the same foreign currency transaction.

Over-Limit FeeAED 288.75*

*Charged monthly while the account remains over its credit limit.

Late Payment FeeAED 241.5*

*Charged monthly while a payment remains overdue.

Card ReplacementAED 78.75*

*For lost or stolen card replacement.

Liability LetterAED 52.5*

*Per request.

Supplementary CardFree

Important Stuff

UAB Cashback Terms and Conditions (November 2025)

Opens in a new tab

Conventional Credit Card Key Facts Statement (November 2025)

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about UAB Platinum Credit Card credit card

Current UAB cashback terms pay 3% on grocery and fuel after AED 3,000 eligible monthly spend, or 5% after AED 5,000, with a shared AED 500 monthly cap. Qualifying video streaming can earn 100% within that cap. Other spend earns no cashback.

Up to 50 days from the statement date, provided the full outstanding balance is paid by the due date.

The first-year annual fee is waived for all cardholders. From year two, the AED 787.50 annual fee is waived if you spend AED 60,000 or more on the card that year.

You get 20% off up to 3 Careem rides a month, up to 10% cashback on Booking.com hotels, and up to 30% off Cleartrip with promo code MASTERCARD.

You need a minimum monthly salary of AED 5,000 and must be at least 21 years old. Applicants must be UAE residents with a valid passport and Emirates ID. If your approved credit limit ends up above AED 100,000, UAB may also require an undated security cheque covering up to 120% of that limit.

Foreign-currency transactions carry a 3.15% currency conversion fee plus a 2.63% issuer markup on the same transaction.

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