Exclusive offers and benefits designed for those who live and work in the UAE
If you’re proud to live in the UAE this card is a celebration of our spirit and culture
Discover a card that suits your values
Enjoy more family time and get more for your money with a range of lifestyle benefits
- Enjoy 4 visits to any Fitness First Club in the UAE at AED 30 per visit. Click here for T&Cs.
*Effective 1st July 2016, customers can enjoy visits to Fitness First at AED 30 per visit. The minimum monthly spend has been revised to AED 2,000.
- Catch the latest movies from AED 10 on weekdays and AED 20 at the weekend. Offer valid at Cine Royal, Oscar Cinema and Reel Cinemas.
*Effective 1st July 2016, the movie pricing at all participating cinema locations in Abu Dhabi will be revised to AED 10 during weekdays. A minimum monthly spend of AED 2,000 is required for customers to enjoy the movie feature.
- Receive 50% off tickets purchased online with Vox using your Visa Platinum Credit Card. Offer valid on Wednesday show times only and cardholders can purchase a maximum of 20 tickets in a month. For more details or T&C’s, click here.
Whether you're travelling for business or pleasure, our range of travel services will ensure your journey is as smooth as possible.
- Enjoy 2 complimentary Airport Transfer services per calendar year when you book your tickets with your Spirit of the Union Platinum Credit Card . See the city limits.
- Complimentary Meet & Greet services at Abu Dhabi & Dubai Airports. To book Meet & Greet services, call us on 600 56 6223 at least 48 hours prior to your flight departure/arrival, and make sure your travel tickets are purchased using your Credit Card within 120 days from the date of booking the service. Note: your card must be active and you must be travelling to be able to take advantage of this service.
- VIP Airport Lounge access across the Middle East with your Spirit of the Union MasterCard Platinum Card (Not valid on Spirit of the Union Visa Platinum Card). No booking required, just show your card at the lounge reception.
Rewards and offers
Earn 1 Star for every AED 1 spent on domestic purchases & 1.75 Stars for every AED 1 spent on international purchases then use your rewards for a range of travel and lifestyle treats.
- Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through our Stars Travel Portal. Click here for more information.
- Stars can also be redeemed for the Stars Card, which is accepted as a payment method wherever you see the Visa sign.
- Enjoy special offers and discounts at selected premium retailers, restaurants and lifestyle venues in the UAE.
Your Spirit of Union Card comes with a range of additional protection features.
- Complimentary Travel Accident Insurance covers you up to AED 500,000 every time you use your card to purchase tickets and much more. See full Travel Accident cover details.
- Protect yourself against unexpected events with Credit Shield Plus. When you can’t meet your credit card payments due to unforeseen circumstances, your credit card’s outstanding balance (i.e. the amount you owe) is taken care of. To activate your Credit Shield Plus cover, call us on 600 56 6223.
- Enjoy Purchase Protection and Extended Warranty period of 12 months beyond the manufacturer or retailer warranty with your Spirit of the Union Visa Platinum Credit Card.
- Your Sprit of The Union Platinum Credit Card offers you complimentary International Medical & Travel Assistance to make your trip memorable for all the right reasons. For more details, click here.
- Enjoy Purchase Protection with your Spirit of the Union Platinum Master Card Credit Card.
- Protect your home contents against the unexpected with a Home Content Insurance plan . You can enjoy a flexible home content insurance plan starting from just AED 25 per month. Sum insured limits range from AED 50,000 to AED 150,000 that let you choose the plan that works just right for you. For more details , click here. For T&Cs, click here. To apply SMS ‘HOME’ to 2050.
- Salary in excess of AED 10,000 per month or more
Fees and charges
|Principal Annual Fee||Free for life|
|Supplementary Annual Fee||Free for life|
|Retail Interest Rate*||3.25% p.m.
|Cash Advance Interest Rate||3.50% p.m.|
|Cash Advance Limit||60% of Credit Limit
|Cash Advance Fee (% of withdrawal amount)||3% of the amount of cash obtained, with a minimum of AED 100 per transaction
|International Transaction Charges||1.95% of transaction value + scheme charges
|Choice of Monthly Payment||5% to 100% of outstanding
|Minimum Monthly Payment||5% of outstanding balance or AED 100 (whichever is higher)
|Late Payment Fees||AED 275 per month
|Over Limit Fees||AED 275 per month
|Credit Shield Plus||Charged per month at ** 0.95% of outstanding
|Statement Reprint Charges||AED 25 per statement
|Copies of Transaction Slip||AED 25 per transaction slip
|Cheque Returned Fee||AED 200
|Card delivery via Branch||AED 50
|Card delivery via Courier||No fee
|Grace Period – Retail Purchases||Up to 56 days on purchases (if amount outstanding is settled in full on or before the due date)
|Grace Period – Cash||None|
|Card Replacement Fee||No fee|
|Card Payment at Al Ansari||No fee|
*If the outstanding amount is not paid in full on or before the due date, interest will be charged on the amount outstanding from the transaction date. For any queries or billing information simply call us on 600 56 6223, or visit any of our branch. Our Bank reserves the right to change its card pricing at any time.
**Effective 01st April 2018, Credit Shield charges will be revised to 0.99% of the monthly outstanding balance.
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