PLEASE USE BLOCK LETTERS

Credit Card Application Form Reset

Date:
d d / m m / y y y y

I wish to apply for: ( box below)

Gold Card Silver Card

Personal Information
Mr. Mrs. Ms.
Your name as it appears on your passport:
Name As Per Passport First Middle Surname
Identification Details:
Type of ID Number Issue Date Expiry Date Place of Issue
dd/mm/yyyy dd/mm/yyyy

Passport
Emirates ID
Your name as you want it to appear on the Card. Please leave one space between names. Maximum 19 characters only.

Date of Birth Gender Male Female Country of Birth

dd/mm/yyyy

Marital Status Married Single Others No. of Dependents

1. 2. 3.
(These are security features for your protection)

Official Email Father/Husband Name *

Favorite City Mother’s Maiden Name
P.O.Box Billing Address

Residential Status Rented Owned Company Provided Rent amount if rented: AED
Flat/House No. Building Name
Street Nearest Landmark
Personal P.O. Box City/Emirate Country
Res. Tel. No. Country
Code
Area
Code
Mobile No. Country
Code

Relative/Friend in the UAE Name First Middle Surname

Address Mobile No.
Permanent Address (Home Country)
Flat/House No. Building Name
Street Nearest Landmark
Personal P.O. Box City Country
UAE - Credit Card Application Form

Res. Tel. No. Country

Code
Area
Code
Mobile No. Country
Code

Relative/Friend in Home Country Name First Middle Surname

Address Mobile No.

Primary Applicant Signature

Page 1 of 4
Employment Details

Country Area
Code Code

AED AED AED

d d / m m / y y y y d d / m m / y y y y

If Self-employed
Profession/ No. of
Business Years

AED AED Net AED

Bank Account Details

mai tai a ther acc with UBL? YES NO

mai tai a ther acc with ther (s ? YES NO

Credit Cards Detail - Please provide details of other banks credit cards.

AED
AED
AED

Financial Detail - Please provide details of other banks borrowing.

Monthly Payment
AED AED
UAE - Credit Card Application Form

AED AED
AED AED

Page 2 of 4
 Supplementary Card Application Form
Date:
d d / m m / y y y y

Supplementary Card Applicants Information

First Supplementary Card Applicant
Mr. Mrs. Ms.
Name As Per Passport First Middle Surname
Applicant(s) name as you want it to appear on the Card. Please leave one space between names. Maximum 19 characters only.

Date of Birth Relationship Occupation

d d / m m / y y y y

Second Supplementary Card Applicant

Mr. Mrs. Ms.
Name As Per Passport First Middle Surname
Applicant(s) name as you want it to appear on the Card. Please leave one space between names. Maximum 19 characters only.

Date of Birth Relationship Occupation

d d / m m / y y y y

Third Supplementary Card Applicant

Mr. Mrs. Ms.
Name As Per Passport First Middle Surname
Applicant(s) name as you want it to appear on the Card. Please leave one space between names. Maximum 19 characters only.

Date of Birth Relationship Occupation

d d / m m / y y y y

It will be the responsibility of the Primary Applicant to honor all the charges incurred on the
Supplementary Card(s). Continuation of the membership of the Supplementary Card member will be
dependent on continuation of your membership.
UAE - Credit Card Application Form

Primary Applicant Signature

Page 3 of 4
Authorization
I hereby apply for the issuance of the UBL MasterCard Credit Card and declare that the information provided
on this application is true and accurate. I hereby authorize United Bank Limited to verify any information from
whatever source it may consider appropriate. I acknowledge and agree that the use of the Card will be deemed
a full acceptance of the Terms and Conditions of the UBL MasterCard Credit Card Agreement which
accompanies the Card(s) and which are applicable to the Primary as well as Supplementary cards, if applicable.
I accept that United Bank Limited is entitled in its absolute discretion to accept or reject this application
without ascribing any reason whatsoever.

I the UBL MasterCard Primary cardholder, whose signature is provided below, hereby unconditionally jointly
and severally guarantee the repayment of my entire outstanding Credit Card balance together with the
interest levied by the Bank as per their policy, including legal expenses and other charges, on your first
demand without prior reference to me.

I also agree that the documents presented to United Bank Limited will remain the property of the Bank.

Please sign within enclosed area.

Primary Cardholder’s Signature.

Date: d d / m m / y y y y

First Supplementary Applicant’s Signature

Date: d d / m m / y y y y

Second Supplementary Applicant’s Signature

Date: d d / m m / y y y y

Third Supplementary Applicant’s Signature

Date: d d / m m / y y y y
UAE - Credit Card Application Form

Primary Applicant Signature

Page 4 of 4
 TERMS & CONDITIONS GOVERNING UBL CREDIT CARDS
In consideration of the United Bank Limited, Dubai (hereinafter called "the Bank") 2. COLLECTION OF THE CARD
agreeing to make available a Card (as hereinafter defined) to the applicant (hereinafter 2.1 The Card may be collected by the Cardmember or sent by post to the address notified
called "the Card member") at the Cardmember’s request, the Cardmember hereby agrees to the Bank by the Card member at the risk of the Cardmember.
to the following terms and conditions: 2.2 Upon receipt of the Card, the Cardmember shall call the Bank on the number specified
in order to activate the Card. The Cardmember shall identify himself and advice of his
1. DEFINITIONS account number and any other confidential information which the Bank may require. The
In this Agreement where the context so admits the following expressions shall have the Cardmember consents to the recording on his telephone call with the Bank and accepts
meanings herein designated unless otherwise distinguished: that such record may be used by the Bank as evidence in a court of law or any legal
a) “ATM” means an automated teller machine or any card operated machine or device proceeding. The Cardmember's signature is proof of delivery and shall constitute receipt
whether belonging to the Bank or other anticipating bank or financial institution nominat- of the Card(s).
ed from time to time by the Bank, which accepts the Card. 2.3) Upon receipt of the Card, the Cardmember shall sign the Card immediately and such
b) “VAT means (a) value added tax imposed on the supply of goods or services under signature and/or the use of the Card shall constitute binding and conclusive evidence of
Federal Decree No. 8 of 2017 of the United Arab Emirates and the related executive the confirmation of the Cardmember to be bound by these Terms and Conditions not
regulations and (b) any other tax of a similar nature, whether imposed in the UAE in withstanding that the Bank is not notified of the Cardmember’s receipt of the Card. In the
substitution for, or levied in addition to, such tax referred to in paragraph (a) above, or event that the Cardmember does not wish to be round by these terms and conditions, the
imposed elsewhere, including any consumption tax, sales tax, value added tax or other tax Cardmember shall cut the Card in half and return both halves to the Bank and Clause 8
of a similar nature which is imposed in any jurisdiction from time to time.” hereof shall henceforth be operative.
c) “Bank” means United Bank Limited. The signature of the Cardmember shall not constitute a necessary element for the validity
d) “Primary Cardmember” means the person other than a Supplementary Cardmember or the binding effect of these terms and conditions.
who is issued a Primary Card and to whom the Card Account is first opened by the Bank. 2.4) The Card is and will be, at all times the property of the Bank and shall be surrendered
e) “Primary Card” means a Card belonging to a Primary Cardmember. to the Bank immediately upon request by the Bank or its duly authorized agent. The Bank
f) “Card” means United Bank MasterCard credit card issued by the Bank to the Cardmem- reserves the right to withdraw the Card at its absolute discretion and / or terminate the
ber and includes Primary, Supplementary and Replacement Cards. Card with or without (as it in its absolute discretion deems fit) prior notice and in whatever
g) “Card Account” means the United Bank limited MasterCard credit card account opened circumstances it deems fit.
by the Bank for the purpose of entering all credits and debits received or incurred by the 2.5) The Card is not transferable and shall not be used excessively by the Cardmember. The
Basic Cardmember and the Supplementary Cardmember, if any under these Terms and Card may not be pledged by the Cardmember as security for any purpose whatsoever.
conditions. 3. USE OF THE CARD
h) “Cardmember” means the person who United Bank limited MasterCard credit card is 3.1) The Card is issued for use in connection with the facilities made available by the Bank
issued by the bank and includes the Primary Cardmember and any Supplementary Card from lime to time at its absolute discretion including, but not limited to the following.
member. (a) The payment for any purchase of goods and/or services, which payment may be
i) “Card Transaction” means any Cash Advance made by a bank or the amount charged by charged to the Card Account. (b) any ATM transaction effected through the Cardmember's
the Bank or any Merchant for any goods, service, benefit or reservation (Including, other account:
without limitation, any reservation made by the Cardmember for air. Ship, rail motor or (b) Cash Advances, as set out under clause 5 hereof; and/or
other transportation or hotel or other lodging or accommodation or other transportation (c) Other facilities, subject to prearrangement with the Bank, if applicable.
rental or hire, whether or not utilised by the Cardmember) obtained by the use of the 3.2) Where an ATM facility has been incorporated in the Card the Cardmermber shall be
Card(s) or the Cardnumber(s) or the PIN or in any other manner including, without responsible for all transactions whether processed with the Cardmember's knowledge or
limitation, mail, telephone or facsimile orders or reservations authorised or made by the by his express or implied authority. The Cardmember hereby authorises the Bank to debit
Cardmember, regardless of whether a sales or Cash Advance or other voucher or form was his account with the amount of any withdrawal in accordance with the record of
signed by the Cardmember. transaction. The Cardmember accepts the record at transaction as conclusive and binding
j) “Cash Advance” means any amount lent to the Cardmember by the Bank or any other for all purposes.
bank or financial institution whether in cash or other form of payment. 3.3) The Bank may Issue a PIN to the Cardmember for use at any ATM which will accept the
k) Cash Advance Fee means the charge detailed in Clause 5.4 Card. The Cardmember agrees that:
l) “Charges” means any amount payable by the Cardmember arising from the issue or use (a) The PIN may be sent by post to the Cardmember at his risk:
of the Card(s) or the Cardnumber or the PIN or otherwise under these Terms and (b) The Cardmember shall not disclose the PIN to any person and shall take all possible
conditions and includes without limitation, all Card Transactions, fees, charges interest, care to prevent discovery of the PIN by any person, and
expenses, damages and legal costs and disbursements. (c) The Cardmember shall be fully liable to the Bank for all Card Transactions made with
m) “Credit Limit” means the maximum debit balance permitted by the Bank for the Card the Pin Whether with or without the knowledge of the Cardmember.
Account for the Primary Card and the Supplementary Card, if any, and as notified to the 3.4) Any deposits effected through the use of the Card on any ATM Installed by the Bank,
Primary Cardmember from time to time. whether by cheques or by cash, shall be subjected to verification by two bank employees
n) “Current Balance” means the total debit balance outstanding on the Card Account whom the Bank may in Its absolute discretion appoint and authorise. The amount so
payable to the Bank according to the Bank's records on the date the Statement of Account verified by the said two employees of the Bank shall be deemed to be the correct amount
is issued. of the deposits so affected. Cheque deposits will be accepted for collection only and the
o) “Finance Charge” means the charge referred to in Clause 4.5.2. proceeds thereof shall not be available for use until the cheque has been collected and
p) “Merchant” means any person supplying goods and/or services who accepts the Card cleared.
of the Cardmember as a means of payment or reservation by the Cardmember. 3.5) Notwithstanding that the Cardmember's Credit limit has not been exhausted, the
q) “Minimum Payment Amount” means the payment required to be made by the Bank shall be entitled to, at any time and without prior notice and without giving any
Cardmember under clause 4.5.1 hereof. reason and without liability towards the Cardmember, withdraw and restrict the
r) “Month” means calendar month. Cardmember's right to use the Card or to refuse to authorise any Card Transaction.
s) “Payment Due Date” means the date specified in the Statement of Account by which 4. PAYMENT
date payment of the Current Balance or any part thereof or the Minimum Payment 4.1) The Cardmember agrees to pay to the Bank upon the request of the Bank the annual
Amount is to be made to the Bank. fee as prescribed by the Bank for the Card and the annual fee as prescribed by the Bank
t) "PIN" means the Personal Identification Number issued to the Cardmember to enable for each Supplementary Card when issued or renewed. A handling charge, as prescribed
the Card to be used at an ATM for a Cash Advance. by the Bank, is payable by the Cardmember to the Bank immediately upon the request to
u) "Replacement Card" means a further Card issued to an existing Cardmember to replace the Bank for the issue of a Replacement Card. Additional charges, as prescribed by the
an existing card. Bank, are payable by the Cardmember to the Bank immediately upon the request of the
v) “Statement of Account" means the Bank's monthly or other periodic statement of Bank for the provision of copies of sales/cash advance drafts and any further services the
account sent to the Primary Cardmember showing particulars of the Current Balance Bank may provide from time to time. The Bank may, from time to time, by giving prior
incurred by the Primary Cardmember and the Supplementary Cardmember, if any and written notice to the Cardmember, change the amount of fees or charges payable by the
UAE - Credit card Terms and Conditions

payable to the Bank. Cardmember under this Agreement and the period of time within which the fees or
w) “Supplementary Cardmember” means the person who is issued a Supplementary Card. charges are payable by the Cardmember under this Agreement. Such changes shall be
x) “Supplementary Card” means a Card belonging to a Supplementary Cardmember. paid from the effective date specified by the Bank.
• Words importing only the singular number shall include the plural number and vice 4.2)The Cardmember undertakes to stay within the prescribed Credit limit assigned/
versa. established by the Bank for the Cardmember unless prior approval to exceed this Limit it
• Words importing any gender shall include all genders. is obtained by the Cardmember from the Bank and the Cardmember further undertakes
• Words importing person shall include a sole proprietor, partnership firm, Company to effect no purchases or transactions which may cause the aggregate outstanding
Corporation or other entity. balance of the Cardmember's obligations to the Bank under all such purchases and
• The headings to the clauses herein shall not be taken into consideration on the transactions to exceed such Credit Limit. If, in contravention of this provision, the
interpretation or instruction of the Terms and Conditions. Cardmember exceeds the Credit limit, the Cardmember shall, in addition to the amounts
payable under Clause 4.5 hereof, forth¬with pay to the Bank, immediately upon demand

Page 1 of 4
 TERMS & CONDITIONS GOVERNING UBL CREDIT CARDS
by the Bank, the full sum by which the Credit Limit is exceeded. In the event of a failure by 4.9) Without prejudice to the Bank's rights at any time to take tile appropriate legal action,
the Cardmember to pay to the Bank the full sum demanded as aforesaid, the whole the Bank may charge fees for any returned unpaid cheques drawn by the Cardmember in
outstanding balance on the Cardmember's Account shall become immediately due and lull or partial payment of the outstanding balance.
payable and the provisions of Clause 8.8 shall be applicable. 4.10) If a Transaction disputed by the Cardmember is subsequently proven to have been
originated by him, the Bank retains the right to charge-back, as from the date when the
4.3) All payments to be made by the Cardmember shall be in the billing currency of the Card
Transaction look place, the Transaction amount along with a Finance Charge and any
Account. If payment is made in any other currency, the Cardmember shall pay the Bank all
additional fees and expenses incurred by the Bank in the investigation thereof.
exchange, commission and other charges or losses charged or incurred by the Bank in
4.11) The Bank's acceptance of late payments or partial payment or cheques or money
converting such payment to the billing currency. Such conversion shall be
orders marked as constituting payment in lull or otherwise of the Card Account or any
effected at such rate of exchange as may be conclusively determined by the Bank as at
indulgence granted by the Bank in the failure to collect the amounts due from the
the date that it is recorded in the Account. Any payment made to the Bank by the
Cardmember as and when they are so entitled under this Agreement shall not operate as
Cardmember in the billing currency of the Card Account! will be credited to the Card Account
a waiver by the Bank nor modify this Agreement in any respect nor prevent the Bank from
only on the date of the Bank's posting of the funds to the Card Account in Dubai and where
later enforcing any of its rights under this Agreement to collect the amounts due
payment is made in any currency other than the billing currency, such payment shall be
hereunder
credited alter tile date when such payment is convened in to the billing currency or when the
4.12) The Cardmember hereby expressly agrees that if any sums shall be due from the
relevant funds have been received for value by the Bank in Dubai
Cardmember to the Bank at anytime under the Card Account or if the Cardmember shall
and assigned to the Card Account.
be liable to the Bank on any banking account or any other account current or otherwise,
4.4) The Bank shall be entitled to treat the following as evidence of a debt properly incurred
in any manner whatsoever, or if default is made by the Cardmember in relation to such
by the Cardmember to the debited to the Card Account any sales draft, transaction
accounts or in any other banking facilities granted by the Bank, to the Cardmember, then
record, credit voucher, cash disbursement draft and/or other charge record bearing the
and in such event the whole outstanding balance of the Cardmember's Account shall
imprint or other reproduction of embossed information printed on the Card and duly
become immediately due and payable and the provisions of Clause 8.8 hereof shall be
completed; and/or the Bank's record Cash Advances or of any other transactions effected by
applicable.
the use of the Card including but not limited to transaction effected via mail order or via the
4.13) Notwithstanding the exercise by the Bank of any of its rights hereunder, interest,
telephone.
Finance Charges and payment charges at the rates stipulated In clauses 4.5, 4.6 and 5,3
4.5.1) Payment of the Current Balance as specified on the Statement of Account in FULL
hereof shall continue to be chargeable on any of the sums of money which remain due and
is due and payable not later than the date specified on the Statement of Account and the
unpaid after the exercise of any of the Bank's rights and in the event that a Judgement is
Cardmember shall incur no Finance Charge it payment of the Current Balance is received by
obtained in relationship to any sum wherein it is adjudged that any sum of money be paid
the Bank on or before the Payment Due Date. The Cardmember may choose not to settle the
to the Bank Interest, Finance Charges and late payment charges shall be payable on such
Current Balance in full, in which case the Cardmember must, on or before the Payment due
sum of money so adjudged to be payable to the Bank from the date of such judgment until
Date pay:
the date of full payment thereof.
(a) if the Current Balance does not exceed the Credit limit, 5% of the Current Balance or
4.14) The Bank may, in its absolute discretion. demand as a condition for the approval of
Dhs 100/-, whichever is the greater ('herein after referred to as "the Minimum Payment
any application to obtain a Card, that the applicant deposits an undated cheque and/or
Amount"): or
pledges cash collateral in favour of the Bank for any amount which the Bank may require,
(b) Subject to Clause 8.8 hereof, if the Current Balance exceeds the Credit Limit, the
The Bank may at any time, demand that the Cardmember deposits an undated cheque in
Minimum Payment Amount and the excess over the Credit Limit.
favour of the Bank for the amount which the Bank may require even where such a cheque
4.5.2) Subject to Clause 8.8 hereof. If the previous Minimum Payment Amount and/or
and/or pledge of cash collateral was not demanded when the Card was issued to the
the excess over the Credit Limit specified in the previous statement is not paid in full, the
Cardmember. The Cardmember has authorises the Bank to insert the date of the said
Bank may in its absolute discretion and without prejudice to any of its rights hereunder allow
cheque and to present it for payment on the inserted date against any amount due to the Bank
the Cardmember to pay:
4.15) any cash deposits may only be regarded as having been received by the Bank upon
(a) if the Current Balance does not exceed the Credit Limit, the current Minimum Payment
the same being credited to the Card Account.
Amount and the previously unpaid Minimum Payment Amount; or
4.16) any cheque deposits shall be accepted for collection and the proceeds shall not be
(b) If the Current Balance exceeds the Credit Limit, the current Minimum Payment Amount
available until the cheque has been cleared and the proceeds paid to the Bank by the
and the previously unpaid Minimum Payment Amount and the excess over the Credit
paying bank.
limit:
4.5.3) If the Cardmember pays to the Bank, by the Payment Due Date, less than the Current 4.17) A Cardmember may choose to effect payment by depositing cash or cheques in any
Balance or if no payment is made or if payment is not in FULL, or if payment is made but of the ATMs designated by the Bank. The Bank shall not be liable for any loss or delay
AFTER the due date or subject to Cash Advance, a Finance Charge at the rate of caused by the use of the ATM Cheques deposited at a ATM shall only be credited to the
1.8% per month calculated on a daily basis will be applied: Card Account after verification by the Bank (which verification shall be conclusive and
to the Current Balance until any repayments are credited to the Card Account and binding against the Cardmember) and any statement issued on making a deposit shall
THEREAFTER on the reduced balance, and to any Card Transactions effected since the date only represent what the Cardmember purports to have deposited and shall in no way
when the latest Statement Of Account was issued with effect from the Date(s) of the bind the Bank as to its correctness.
Transaction(s). 4.18) The Cardmember agrees that the records of the Bank of any Transaction effected
4.6) If the Cardmember fails to pay the Minimum Payment Amount by the Payment Due by the use of the Card shall be conclusive and binding on the Cardmember for all
Date, a further charge of AED 100 shall be debited to the Card Account. purposes.
4.7) All payments for purchases of goods and/or services and Cash Advances effected by the 4.19) A Cardmember will not be allowed to transfer funds from one card account to
use of the Card and all Charges, annual fees, handling charges, additional charges, Finance another in settlement of the dues of a Card Account
Charges and/or late payment charges shall be debited to the Account in the billing currency
and shall be reflected in the Statement. The Bank shall be entitled, at its sole discretion, 5. CASH ADVANCES
from time to lime, to vary the rate or method of calculation of the charges, annual fees, 5.1) The Cardmember may obtain Cash Advances in such amounts as may be acceptable
handling charges, additional charges, Finance Charges the specified Minimum Payment to the Bank, from time to time, at its absolute discretion by the following means: (a)
Amount and/or late payment charges. presenting the Card at any office of the Bank or any member institution of MasterCard
4.8.1) All payments received by the Bank from the Cardmember may be applied in the international that offers such facility together with evidence of his identity and signing
following order of payment, or such other order of priority, as the Bank may think fit: the necessary transaction record; or {b) The use of the Card at any ATM of the Bank or at
(a) All unpaid interest, tees, Cash Advances, Charges and other costs shown on any any other bank or institution with whom the Bank has an arrangement(s) for the use of
previous Statement of Account. the ATM (in which case the amount of each advance will be further subject to the
(b) All unpaid interest, fees, Cash Advances, charges and other costs shown in the current applicable daily withdrawal limit of the ATM). The use of the Card by the Cardmember to
Statement of Account. obtain a Cash Advance shall be deemed to constitute the agreement of the Cardmember
(c) All unpaid Card Transactions shown on any previous Statement of Account; to pay interest on each Cash Advance and a Cash Advance Fee, as detailed in Clauses 5.3
(d) All Card Transactions shown on the current Statement of Account. and 5.4.
UAE - Credit card Terms and Conditions

(e) All Cash Advances and Card Transactions not yet shown on the current Statement of 5.2) Any Cash withdrawals from the Cardmember's other accounts effected through the
Account. use of the Card on any ATM installed by the Bank shall be subject to the daily withdrawal
4.8.2) All payments and credits may, unless otherwise decided by the Bank, be applied by limit of the ATM and shall be subject to verification by the Bank. The amount so verified
the Bank first to the outstanding amounts that have been billed to the Card Account for the by the Bank shall be deemed to be the correct amount of the withdrawal so effected.
longest period of time. 5.3) Interest shall accrue on each Cash Advance from the date of the Cash Advance until
4.8.3) “UBL reserves the right to charge, collect and/or deduct an amount equivalent to repayment in full at the current rate advised by the bank or at such rate as the Bank may
any applicable VAT, or other applicable taxes and duties from the Primary Cardmember / notify the Cardmember from time to time @ 1.8%
Supplementary Cardmember and/or the Primary Cardmember/Supplementary 5.4) A Cash Advance Fee of 3% shall be assessed on the amount of each Cash Advance
Cardmember’s account(s) at any time in respect of any charge, commission or fees. The (subject to a minimum charge of Dhs 30/- and charged to the Account. The Bank may.
Cardmember/Supplementary Cardmember hereby agrees to pay the amount of From time to time, by giving prior written notice to the Card member, vary the amount
applicable VAT and similar taxes/duties in addition to and at the same time as any of the Cash Advance Fees and interest payable by the Cardmember to the Bank. Such
applicable charges, commissions and fees.” variation shall apply from the effective date specified by the Bank.

Page 2 of 4
 TERMS & CONDITIONS GOVERNING UBL CREDIT CARDS
6. SUPPLEMENTARY CARD/JOINT AND SEVERAL LIABILITY 8.3) The Bank may at any time recall all or any of the Cards with or without giving prior
6.1. The Bank may in its absolute discretion i ssue a Supplementary Card to a person notice Cardmember shall immediately after such recall return such Card(s) cut in half to
nominated by the Cardmember and approved by the Bank_ The issue of Supplementary the Bank and Charges and liabilities to the Bank.
Card's shall be subject to such terms and conditions which the Bank may deem necessary.
8.4) The use of the Card shall be terminated by the Bank without notice upon the death,
6.2) All the terms and conditions applicable herein to the Cardmember shall apply mutatis
bankruptcy or insolvency of the Cardmember or when the whereabouts of the
mutandis (that is, With the necessary changes) to the Supplementary Cardmember and
Cardmember becomes unknown to the Bank due to any cause not attributed to the Bank.
for such purpose the terms "Cardmember and the term “Card” shall be read and
8.5) In the event of the Cardmember's bankruptcy, death, or insolvency, the holders of
construed as if the terms “Supplementary Cardmember” and "SupplementaryCard",
Supplementary Card's will immediately cease the use of the Card(s) and return them to
respectively were substituted therefore Every Supplementary Cardmember shall be jointly
the Bank.
and severally liable with the Basic Cardmember, as defined herein. Both the
Supplementary Cardmember and the Basic Cardmember shall be liable jointly and 8.6) The whole of the Current Balance on the Cardmember's Card Account together with
severally for costs. For all goods and services and Cash Advances obtained and all Transac- any outstanding amount incurred by the use of the Card but not charged to the
tions generated by the use of the Card as well as the Supplementary Card(s). The Bank may Cardmember's Card Account shall become due and payable to the Bank on the termination
in its absolute discretion commence an action or proceedings under this subclause against of this Agreement by either the Bank or the Cardmember or on the death. Bankruptcy or
the Primary Cardmember or the Supplementary Cardmember or both. insolvency of the Cardmember or (at the Banks discretion) if the Cardmember is in
6.3) The undertakings, liabilities a nd obligations of the Primary Cardmember and breach of these conditions. The Cardmember and/or his estate will be responsible for the
Supplementary Cardmember of the Bank and the Bank's rights shall not be affected in any settling of outstanding balances on the Card Account and shall keep the Bank indemnified
way by any dispute or counterclaim or right of setoff which the Primary Cardmember and for all costs (including legal fees) and expenses incurred in recover-ing such outstanding
the Supplementary Card member may have against each other. In addition to the balances.
aforesaid, and as a separate undertaking, the Primary Cardmember shall be fully liable to 8.7) The Bank shall not be liable to refund the annual membership fee or any part thereof
the Bank for all Charges and other liabilities incurred by the Primary Cardmember and the in the event of the termination of the Card Account or the use of any or all of the Card(s)
Supplementary Cardmember not withstanding any legal disability or incapacity of the 8.8) Notwithstanding the due dates specified in the Cardmember's Statement of Account
Supplementary Cardmember, and the Basic Cardmember shall indemnify the Bank against the whole of the outstanding balance on the Cardmember's Account shall become due and
any loss, damage, liability, costs and expenses, whether legal or otherwise, incurred or payable upon the occurrence of the following events:
suffered by the Bank by reason of any breach of these terms and conditions by the a) Termination of use of the Card under Clauses 2.4. 8.1. 8.2, 8.3. and 8.4 hereof: or
Supplementary Cardmember. b) Termination of use of the Card by the Cardmember under Clauses 2.3, 8.1 and 15.2
6.4) The Credit limit assigned to the Cardmember is inclusive of the Credit Limit of the hereof. Upon the termination of the Card, as aforesaid. All Charges. Finance Charges and
Supplementary Cardmember and the Basic Cardmember and the Supplementary all late payments charges shall be Immediately due and payable to the Bank. It is hereby
Cardmember shall not permit the total of the charges incurred under or through their expressly agreed by the Card member and the Bank that all the provisions contained
respective Cards to exceed the said Credit limit. In case a Supplementary Cardmember has herein shall continue in full force and effect notwithstanding the termination of the use of
been assigned a specific limit, that shall constitute the maximum spending limit on the the Card in accordance With the terms at this Agreement All further monies debited to the
Supplementary Card. However, this in no way absolved the Basic Cardmember from being Cardmember’s Account after termination of the of the Card aforesaid shall also be
fully liable to the Bank for all debts incurred by the Supplementary Cardmember. immediately due and payable upon their entry into the Cardmember's Account and all
6.5) the validity of the Supplementary Card is dependent on the validity of the Primary Finance Charges and all late also be immediately payable.
Card. Upon termination o f t he use o f t he Primary Card o r t he Primary Cardmember's 8.9) In the event that any security is held by the Bank as Collateral for the issuance of the
Agreement With the Bank. For whatever reason, the Supplementary Card(s) Issued Card, the Bank reserves the right to retain such security for a period of at least seventy five
hereunder shall automatically be terminated. Termination of the Supplementary Card or days following the Card being cancelled and being returned to whether cancelled by the
the Supplementary Cardmember's Agree¬ment with the Bank, for whatever reason, shall Cardmember or the Bank, or following the Agreement being terminated for whatever
terminate the Supplementary Card and Supplementary Card Agreement only and shall not reason.
terminate the Basic Card or the Basic Cardmember's Agreement with the Bank. 6.6) In the 9. EXEMPTIONS AND EXCLUSIONS
event that the Basic Cardmember requests a maximum Credit limit on the Supplementary 9.1) The Bank shall not be liable for any loss or damage howsoever incurred or suffered by
Card, any such request shall be treated as a preference only and should. For whatever the Cardmember by reason of the Bank or a Merchant or other bank or financial
reason, the Supplementary Cardmember exceed such limit, the Basic Cardmember shall institution or any ATM or other party refusing to allow a Card Transaction or accept the
remain liable for the additional spending to the full extent of the outstanding balance. Card or the Card numbers or the PIN or to extend or provide Cash Advances up to the
7. LOSS OF CARD/DISCLOSURE OF PIN Credit limit or at all.
7.1) The Bank may issue a PIN to the Cardmember for use at any ATM which will accept the 9.2) The Bank shall not be responsible for the refusal of any merchant or member
Card. institution of Master Card International to honour or accept the Card or for any defect or
7.2) The Cardmember agrees that the PIN may be sent by post to him at his own risk. deficiency in the goods or services supplied to the Cardmember by any merchant or,
7.3) The Cardmember shall be fully liable to the Bank for all Card Transactions made with where applicable, for any breach or non performance by a merchant of Card transaction.
the PIN whether with or without the knowledge of the Cardmember. 9.3) In the event of any dispute between the Cardmember and any Merchant or bank or
7.4) The Cardmember shall take all reasonable precautions to prevent the loss or the Card financial institution or any other person, the Cardmembers liability to the Bank shall not in
and shall not disclose the PIN to any party. any way be affected by such dispute or any counterclaim or right of setoff which the
7.5) In the event that the Card is lost or stolen or that the PIN is disclosed to any other Cardmember may have against such merchant or bank or financial institution or person.
party, the Cardmember shall immediately, thereafter report the said loss, theft or 9.4) The Bank will credit the Cardmember's Card Account with the amount of any refund
disclosure, together with the particulars of the Card. to the Bank and the Police of the only upon receipt of a properly issued credit voucher from the Merchant establishment.
country where such loss or theft or disclosure occurred. 9.5) The Bank shall not be liable in any way to the Cardmember for any loss or damage of
7.6) The Cardmember shall be and shall remain to be fully liable for the payment to the whatever nature due to or arising from any disruption or failure or defect in any ATM or
Bank for any debit to the Card Account arising from any Card Transactions, goods or other machine or communication system or facilities or date processing system or
services supplied by merchants. Cash Advances or ATM transactions effected through the transmission link or any industrial or other dispute or any thing or cause, whether beyond
use of the Card by any person whether with or without the knowledge of the Cardmember the control of the Bank or otherwise.
and irrespective of whether they were authorised by the Cardmember or not. 10. DISCLOSURE OF INFORMATION
7.7) The Bank may at its absolute discretion Issue a Replacement Card for any lost or stolen 10.1) The Bank shall have the right to check standing of an applicant for the Card and/or
Card or a new PIN on these Terms and conditions or such other terms and conditions as the Cardmember under any circumstances whatsoever, whether or not circumstances
the Bank may deem fit. relate to or arise out of this Agreement, including, but not limited to, the non acceptance.
7.8) In the event that the lost or stolen card is recovered by the Card member, he shall for any reason whatsoever, of the Card by any merchant, person, body, bank or any
return the same cut in half Immediately to the Bank without losing it. The Cardmember member institution of Master Card International, rejection of the Card by any ATM,
shall not use the PIN after reporting the disclosure thereof to the Bank. non-renewal, restriction or cancellation of Credit Limits or facilities. The listing at such
8. TERMINATION Card number or Cardmernber in any cancellation list, the failure of the Cardmember to
receive the Statement of Account at the time elected by the Cardmember in the relevant
UAE - Credit card Terms and Conditions

8.1) The Cardmember may at any time notify the Bank of his intention to close the Card
Account and terminate the use of all Cards by giving notice in writing and returning all application form executed prior to or simultaneously with this Agreement or under any
the Cards cut in half to the Bank. The Card Account shall be closed only after the circumstances wherein the Bank shall be Obliged to act reasonably to protect its rights
receipt by the Bank of all the Cards, cut in half and the full payment of all Charges and under the provisions of this Agreement. The Cardmember irrevocably authorises and
liabilities under the Card Account. permits the Bank to disclose and furnish such information as it deems lit concerning the
8.2) The Primary Cardmember or any Supplementary Cardmember may at any time Cardmember and its affairs, including, but not limited to, the amount of the
terminate the use of the Supplementary Card by giving notice in writing and by Cardmember under this Agreement to the Bank's associate, branches, assignees, agents
returning the Supplementary Card cut in half to the Bank. In such event, all or other parties authorised by the Bank to enable the Bank to enforce the Card members
Cardmembers, including the Supplementary Cardmember whose use of the Card has obligations under this Agreement.
been terminate shall be and shall continue to and severally liable to the Bank for all 10.2) The Bank shall have the right to check the credit standing of an applicant for the Card and/or
Charges and other liabilities in accordance with these Terms and conditions. check the credit standing of the Cardmember at any times as and when the Bank deems fit
Supplementary Cardmember, whose use of the Card has been terminated, shall not be without reference to him. The Cardmember consents to the disclosure of the last known address
liable for Charges and incurred by the Primary Cardmember and any other of the Cardmember to any bank or MasterCard International or its successors and the disclosure
Supplementary Cardmembers (if any) after the Bank is in receipt of the Supplementary of the Cardnumbers of the new, renewed or replaced Cards to merchants and other interested
Card. persons.
Page 3 of 4
 TERMS & CONDITIONS GOVERNING UBL CREDIT CARDS
11. INDEMNITY 15.2) Retention or use of the Card after the effective dale of any change of terms and
The Cardmember undertakes and agrees to Indemnify the Bank and hold it harmless against any conditions pursuant to Clause 15.1 hereof shall be deemed to constitute acceptance of
loss, damage, liability, costs and expenses, whether legal or otherwise, which the Bank may incur by such changes without reservation by the Cardmember. If the Cardmember does not
reason of these Terms and conditions or any breach thereof or the enforcement of the Bank's rights accept the proposed change, the Cardmember must terminate the use of the Card by
as herein provided. All costs and expenses, including legal costs and disbursements on a solicitor and giving prior written notice to the Bank and return the Card cut in half to the Bank prior to
client basis incurred by the Bank in enforcing and seeking to enforce these Terms and conditions or the effective date and Clause 8.8 hereof shall henceforth be operative. Upon such
otherwise, may be debited to the Card Account and shall be paid by the Cardmember. elimination the annual fee paid is not refundable.
12. RIGHT OF SETOFF 16. WAIVER
12.1) In addition to any general right of setoff or other rights conferred by the law to the Bank. the No condoning, excusing, neglecting or forbearing on the part of the Bank of any default or
Cardmember agrees that the Bank may in its absolute discretion at any time and without notice, breach of any of these terms and conditions by the Cardmember shall operate as a waiver
combine or consolidate all or any account(s) of the Cardmember with the Bank of whatsoever of the Bank's rights and powers and no waiver shall be inferred from or implied by
description and whosesoever located whether in Dirhams or in and other currency or setoff or anything done or not done by the Bank unless expressed in writing by the Bank. Any
transfer any sum standing to the credit of any such account(s) Including a joint account With a waiver shall operate only as a waiver of the particular matter to which it relates and shall
Supplementary Card member in or towards discharge of all sums due to the Bank under any not operate as a waiver or release from any of these terms and conditions.
account(s) of the Cardmember with the Bank of whatsoever description and whosesoever located
and whether in Dirhams or in any other currency and may do so notwithstanding that the
17. SEVERANCE
balances on such account(s) and the sums due may not be expressed in the same currency and Each of these terms and conditions shall be severally distinct from one another and if at
the Cardmember hereby authorises the Bank to offset any such combination, consolidation, setoff any time anyone or more of such terms and conditions is or becomes invalid, illegal or
or transfer with the necessary conversion at the Bank's prevailing exchange rates which shall be unenforceable. The validity, legality or enforceability of the remaining provisions shall not
determined by the Bank at its sole discretion in any way be affected or impaired thereby.
12.2) For the purposes of enabling the Bank to preserve intact the liability of any party, including 18. INTERNATIONAL SERVICES
the Cardmember once a summons has been issued to prove the bankruptcy or insolvency of the 18.1) From time to time and at its sale discretion the Bank may offer additional benefits
Cardmember or, for such other reasons as the thinks lit, the Bank may at any time deposit and and services relating to the Card(s), such as a replacement service for Cardmembers
retain for such time as the Bank may think prudent any monies received, recovered or realized travelling abroad. Such services are offered on a best efforts basis and the Bank shall have
hereunder or under any other security or guarantee to the credit of the Cardmember, as the Bank no responsibility for direct, indirect, special, incidental or consequential damages in the
may think fit, and Without any obligation on the part of the Bank to apply the same or any part event that they are not provided. The Bank may modify or discontinue, and/or impose
thereof In or towards the sums due and owing. such charges for these services as it shall determine from time to time an d at it s sole
13. NOTICES discretion.
13.1) The Cardmember must promptly notify the Bank in writing of any changes in employment or 18.2) The Cardmember consents to the Bank's disclosure, to any of its branches worldwide
business or address (office or residential) or if the Cardmember intends to be absent from the or to any third party. Any information relating in any way whatsoever to the Cardmember
United Arab Emirates for more than thirty days. or to his Card Account, as it deems fit in its absolute discretion.
13.2) If the Card member should be absent from the United Arab Emirates for more than a 18.3) The Cardmember agrees that if he requests the issuance of a United Bank Credit
month the Card account shall be settled seven (7) days prior to his/her departure. Card from a United Bank branch located in another country (hereinafter known a s the
13.3) If the Cardmember leaves the United Arab Emirates to take up residence elsewhere. The
(Foreign Branch). Such an application is subject to the approval of the Foreign Branch and
Care and Supplementary Card(s) shall be returned to the Bank fourteen (14) days prior to the the issuance of the Card is an offer, only, for (the Cardmember to accept upon reading and
Cardmem-ber's departure and the use of the Card and Supplementary. Card(s) shall be deemed to accepting the terms and conditions enclosed there with and that his signing or usage of
be terminated and Clause 8.8 shall henceforth be operative. the Card shall be his acceptance of such an offer and that he shall be bound by the said
13.4) Air Cards, PIN, Notices, Statements of Account, demands or any other communication terms and conditions.
under these Terms and conditions (hereinafter collectively called "Communications") may be 18.4) The Cardmember authorizes the Bank to obtain and disclose to the Foreign Branch
delivered personally or sent by ordinary post to the last known billing or other address of the all and any information relating to him or to any of his accounts, that the Foreign Branch
Cardmember and such Communications shall be deemed to be served on the Cardmember on the shall, at its sole discretion, deem necessary for the consideration of such an application by him.
day of delivery, if delivered by hand and on the next business day after posting if sent by post. All 19. GOVERNING LAW
Communications under these Terms and conditions sent to the Basic Cardmember or to 19.1) these terms and conditions are governed by and shall be construed in accordance
the Supplementary Cardmember shall be deemed to be Communications sent to both. with the laws of the United Arab Emirates.
13.5) Any instructions conveyed by the Cardmember through the Automated Voice Response 19.2) Any admission or acknowledgment in writing by the Cardmember or any person
(AVR) shall be deemed valid and the Bank may act upon and use such records as evidence in a authorised by the Cardmember of the amount of indebtedness of the Cardmember to the
court of law or other legal proceedings. Bank and any judgment recovered by the Bank against the Cardmember in respect of such
13.6) Instructions sent by the Cardmember to the Bank through facsimile communication shall indebtedness shall be binding and conclusive in all courts of law in the U.A.E. and
be considered valid and binding on the Cardmember and the Bank may act upon instructions elsewhere. A certificate issued by an officer of the Bank as to the amount for the time
conveyed through this method. The Bank may use copies of facsimile transmissions in any Court being due and owing to the Bank from or by the Cardmember shall be conclusive evidence
of law. against the Cardmember in any legal proceedings.
14. GENERAL 20. SCHEDULE OF CHARGES
14.1) The Cardmember undertakes to sign such further documents as may be requested by the I confirm my acceptance of UBL’s Schedule of Fees and Charges as well as the Credit
Bank from time to time. Card fees, rates, charges and penalty displayed below. I accept that UBL is entitled, in its
14.2) All fees pursuant to or in connection with this Agreement are non-refundable. sole discretion, to vary the rates of Fees and Charges and I agree to pay such revised
14.3) Time shall be of the essence in this Agreement but no failure and/or delay In the Bank's rates of Fees and Charges. I am liable to pay all of the applicable interest rates stated in
exercise of any right, power or privilege under this Agreement shall operate as a waiver thereof nor the Schedule of Fees and Charges (as may be further revised, supplemented or
shall any single or partial exercise of any right, power or privilege preclude any other or further amended by UBL), including but not limited to any interest, charges and applicable
exercise thereof or the exercise of any other right, power or privilege. The rights and remedies penalty on cash withdrawals made under my UBL Credit Card and outstanding balances
herein provided are cumulative and not exclusive of any rights and remedies provided by law. of a revolving nature under my UBL Credit Card.
14.4) The Bank shall be entitled at any time without the consent of the Cardmember to assign the INTEREST RATE (P.M.) ON RETAIL TRANSACTIONS
whole or any part at its rights or obligation under this Agreement with or without notice to the Gold (per month) 2.25%
Cardmember. Silver (per month) 2.75%
14.5) This Agreement shall be binding upon and ensure to the benefit of the respective successors INTEREST RATE (P.M.) ON CASH ADVANCES: AED
in title and assigns of the Cardmember and the Bank provided that the Card member shall not Gold (per month) 2.99%
assign his rights and obligations hereunder. Silver (per month) 3.49%
14.6) The Bank shall be entitled to appoint an agent to collect all sums due to the Bank from the Cash Advance fee 3.5% Minimum 50
Cardmember under this Agreement. Card Replacement Fee 75
UAE - Credit card Terms and Conditions

14.7) From time to time and at its sole discretion the Bank may offer additional benefits and Credit Shield (of Outstanding at billing cycle) 0.75%
services relating to the Card(s), such as travel insurance, purchase protection etc. Such services are Additional PIN mailer 25
offered on a best efforts basis and the Bank shall have no responsibility for direct, indirect, special, Late Payment Fee 200
incidental or consequential damages i n the event that they are n ot provided. T he Bank may Over Limit Fee 2.5% Minimum 100
modify or discontinue, and/or impose such charges for these services as it shall determine from Copy of Sales Slip 25
time to time and at its sole discretion Returned Cheque 100
Foreign Exchange mark–up on incoming transactions (% of transaction amount ) 2.25%
15. VARIATION OF TERMS
Duplicate statement (per statement) 25
15.1) The Bank may from time to time by giving prior written notice to the Cardmember Failed Debit Instructions Fee 25
change the terms and conditions of this Agreement including, but not limited to, the Loan on Card (6 Months - 12 Months) 1.00%
terms of payment by the Cardmember by way of annual lees, handling charges, additional Processing Fee Loan on Cards 200
charges, Finance Charges, the specified Minimum Payment Amount and late payment Prepayment charges Loan on Cards (% of Outstanding Amount) 1.00%
charge. Such charges shall apply on the effective date specified by the Bank and shall Pay Order for refund of credit balance 25
apply to all unpaid interest, fees, Cash Advances, Charges and Card Transactions. Credit Card liability Letter 50

Page 4 of 4
 Acknowledgement of Receiving the
Terms & Conditions of UBL Credit Cards

Date: d d / m m / y y y y

I hereby confirm having received a printed set of Bank’s Terms and

Conditions governing UBL Credit Cards and have read and understood
the same and expressly agree to abide by them.

I have also been informed by the Bank and agree that any future
updates to these Bank Terms and Conditions will be updated by the
Bank on its official website or a copy of the same may be obtained by
visiting one of the branches.

Primary Card Applicant

Name As Per Passport First Middle Surname

UAE - Acknowledgement of receiving Terms and Conditions UBL Credit cards.

Primary Card Applicant Signature