UAB Platinum Mastercard
Up to 5% cashback on supermarkets and fuel — first year free
at United Arab Bank's secure site
Terms & conditions apply. See rates & fees.
Cashback rate
"The Platinum's cashback design is honest about what it wants: your supermarket and fuel spending, at least 3,000 of it a month. Clear 5,000 and the 5% rate plus the 100% streaming rebate are genuinely good — and that same run rate waives the renewal fee. Just don't mistake it for a general-purpose card: everything else earns exactly nothing, and foreign spend is expensive."
Earning cashback with the UAB Platinum
Cashback is tiered on your total monthly statement spend: under 3,000 earns nothing at all, 3,000–5,000 earns 3% on groceries/supermarkets and fuel, and from 5,000 you get 5% on both plus 100% back on video streaming subscriptions such as Netflix and Disney+. Categories are defined by Mastercard merchant codes (supermarkets 5411; fuel 5541/5542 including CAFU; streaming 4899/5968).
The cap is 500 a month and everything outside the three categories earns 0%. Cashback lands automatically as a credit on the next statement — no portal, no vouchers — but is forfeited if the card is closed or cancelled.
Rates and fees
- Annual fee
- Free the first year, then 787.50 (VAT inclusive) — waived on ~ 60,000 annual spend
- Interest rate
- 3.79% per month on unpaid balances
- Interest-free period
- Up to 55 days when the full balance is paid
- Minimum salary
- 10,000 per month; ages 21–65, UAE residents
- Foreign transaction fee
- 2.77% issuer markup on non- spend; the fee schedule also lists a 3.15% currency conversion fee
- Cash advance fee
- 3.15% of the amount (minimum 157.50), interest at 3.79%/month
- Late payment fee
- 241.50; over-limit 288.75
- Minimum payment
- 5% of the outstanding balance
- Supplementary cards
- Free
- Card network
- Mastercard Platinum
Rates verified against UAB's Retail Banking Schedule of Charges (V2.0, April 2026) and Cashback Terms & Conditions (V2.0, Nov 2025), VAT inclusive. Always confirm on the issuer's site before applying.
Card benefits
Everyday cashback
Up to 5% back on groceries/supermarkets and fuel, tiered by monthly spend and capped at 500 a month.
100% streaming rebate
Video streaming subscriptions — Netflix, Disney+ and more — come back in full in months where you spend 5,000+.
Priceless Specials BOGO
Buy-one-get-one-free offers on dining, fitness, beauty, hotels and attractions via Mastercard's Priceless Specials app.
Careem & travel offers
20% off 3 Careem rides monthly, up to 10% cashback on booking.com and up to 30% off Cleartrip with code MASTERCARD.
Mastercard Travel Pass
App-based access to 1,200+ airport lounges in 135+ countries — UAB does not publish a complimentary visit count for the Platinum.
Flexible payments
0% Easy Payment Plans and 0% balance transfer for 6 months (3% processing fee), plus Loan on Phone at 0% for 6 months.
Pros and cons
- First year free, and the 787.50 renewal fee is waived if you put 60,000 a year through the card
- 5% cashback on supermarkets and fuel — genuine everyday categories
- 100% cashback on video streaming subscriptions like Netflix and Disney+
- 0% easy payment plans and 0% balance transfer for 6 months
- Free supplementary cards
- Zero cashback in months where total spend is under 3,000, and 0% on everything outside supermarkets, fuel and streaming
- 500 monthly cashback cap across all categories
- High 3.79% monthly interest rate (~45.5% p.a.)
- Foreign spend is costly — 2.77% issuer FX markup, and the fee schedule also lists a 3.15% currency conversion fee
- Lounge access is marketed via Mastercard Travel Pass, but UAB's own compare page calls it 'limited / selective' with no free visit count published
Is it right for you?
Get this card if
- Your supermarket and fuel spending alone justifies a card, and you spend 3,000+ a month overall.
- You can push 5,000 a month through the card — that unlocks 5%, the streaming rebate and the fee waiver.
- You pay in full every month and want a free first year to trial the card.
Consider skipping it if
- Your spending is spread across many categories — everything outside supermarkets, fuel and streaming earns 0%.
- You spend a lot abroad — the 2.77% FX markup makes it a poor travel companion.
- You want real lounge access — UAB itself calls the Platinum's lounge benefit 'limited / selective'.
Alternatives to consider
UAB's flagship pays up to 10% on school fees, fashion and fuel plus The Entertainer as a welcome gift — but you'll need a 25,000 salary.
Earns TouchPoints on all spend from a 5,000 salary, with VOX cinema and lifestyle perks — no 0% base rate to worry about.
RAKBANK World pays 10% on travel, supermarkets and dining with a 1,250 monthly cap — stronger rates for bigger, broader spenders.
Best cashback cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the annual fee on the UAB Platinum Mastercard?+
The first year is free. From the second year the fee is AED 787.50 (VAT inclusive), waived if you spend around AED 60,000 on the card in the year.
What is the minimum salary for the UAB Platinum Mastercard?+
AED 10,000 per month, for UAE residents aged 21–65.
How does the cashback work?+
Cashback is tiered by your total monthly statement spend: below AED 3,000 you earn nothing; from AED 3,000 to under AED 5,000 you earn 3% on groceries/supermarkets and fuel; from AED 5,000 you earn 5% on those categories plus 100% on video streaming subscriptions. All other spend earns 0%.
Is there a cap on the cashback?+
Yes — AED 500 per month across the cashback categories. Cashback is credited automatically to your card the following statement period.
Does the UAB Platinum Mastercard include airport lounge access?+
The card page promotes Mastercard Travel Pass, which connects to 1,200+ lounges in over 135 countries, but UAB's compare page describes Platinum lounge access as 'limited / selective' and does not publish a complimentary visit count. Confirm with the bank before relying on it.
What are the interest rate and key fees?+
3.79% per month on unpaid balances, with up to 55 days interest-free if you pay in full. Late payment costs AED 241.50, over-limit AED 288.75, and cash advances cost 3.15% (minimum AED 157.50). All fees include VAT.
Does the card offer instalment plans?+
Yes — Easy Payment Plans at 0% for 6 months (1% per month for 3, 9 or 12 months), balance transfer at 0% for 6 months with a 3% processing fee, and Loan on Phone at 0% for 6 months.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.