UAB has not published a confirmed welcome bonus for this card. Check the latest terms directly with UAB before applying.
UAB Platinum Credit Card
UAE Mastercard Platinum cashback card with unlimited airport lounge access, Careem, Avis and Booking.com discounts.
≈ AED 5,236 potential value / year · incl. perks
Rewards
1.25%
cashback on retail purchases.
UAB's Key Facts Statement documents a flat 1.25% cashback rate on retail purchases. A separate flyer describes 'unlimited cashback on all retail spends' with no cap published — confirm the current structure directly with UAB.
See full breakdownRewards Calculator
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.
August 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.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Airport Lounge Access
Unlimited complimentary access to 25+ lounges worldwide.
Unlimited complimentary access to 25+ airport lounges across the UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France and Singapore, including business facilities and refreshments.
See full breakdownCareem Ride Discounts
20% off 3 rides per month.
20% off up to 3 Careem rides per month.
Avis Car Rental Discount
25% to 35% off car rental bookings.
25% to 35% off Avis car rental bookings across Europe, the Middle East, Africa and Asia.
Visa Application Assistance
Appointment-booking service for a USD 15 fee per booking.
Book visa application appointments through the card's visa assistance service for a USD 15 fee per appointment.
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.
Bicester Village VIP Lounge Access
Complimentary VIP lounge access at Bicester Village.
Complimentary access to the VIP lounge at Bicester Village shopping outlets.
Purchase Protection
Theft and accidental damage cover for up to 180 days, up to USD 2,000 per claim.
Covers theft or accidental damage to eligible purchases for up to 180 days from purchase, up to USD 2,000 per claim and USD 5,000 total per 12 months.
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.
2.99%
Monthly Finance Charge
Per UAB's April 2022 Key Facts Statement.
Cash Advance Fee3.15%*
*3.15% of the amount withdrawn or AED 105, whichever is higher.
Cash Advance Interest3%*
*3% 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%*
*Disclosed alongside a separate 2.63% issuer markup on the same foreign currency transaction; UAB's Key Facts Statement does not explain how the two combine — confirm directly with UAB.
Issuer Markup2.63%*
*Applied alongside the 3.15% currency conversion fee on foreign currency transactions; the combination method is not published.
Over-Limit FeeAED 208.95*
*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
Frequently Asked Questions
Get answers to common questions about UAB Platinum Credit Card credit card
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