United Arab Bank
World Mastercard Credit Card
Benefits unlock at AED 5,000 minimum monthly spend
The World Mastercard Credit Card is a cashback credit card from United Arab Bank. It has an annual fee of AED 1,050, and needs a minimum salary of AED 25,000 a month.
Annual fee
AED 1,050
Joining fee
Free
Min. salary
AED 25,000/mo
Rewards in
Cashback
Min. monthly spend
AED 5,000
Card highlights
- 3% cashback on school fees, fashion and fuel (AED 5,000-9,999 monthly spend); 100% on video streaming (capped AED 150/month)
- Airport lounge access via Mastercard Travel Pass (1,200+ lounges in 135+ countries)
- Travel medical insurance up to USD 500,000 and travel inconvenience insurance when booking with the card
- 20% off 3 Careem rides a month; Hertz Gold Plus Five Star status with complimentary upgrade and Avis 25% off
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Retail | 3% | AED 500 |
| Fuel | 3% | AED 150 |
| Education | 3% | AED 2,000 |
Current welcome offer
Complimentary ENTERTAINER membership as a welcome gift
- Thousands of buy-1-get-1-free offers across dining, attractions, leisure, spas, fitness centres, hotel stays and more
- Make 1 mobile wallet transaction and 1 transaction on a major taxi or food delivery app within 30 days of receiving the card
- VIP key sent by SMS within 45 days, must be activated within 30 days of receipt, membership runs for 12 months
- Spend AED 40,000 in the first year to keep the gift free, otherwise a fee of AED 551.25 including VAT applies
- New UAB cardholders only, primary cardholder earning at least AED 10,000 a month, card taken from 15 March 2025 onwards
Benefits & perks
- •Airport lounge access at 1,200+ lounges in 135+ countries via Mastercard Travel Pass
- •Travel medical insurance up to USD 500,000 when tickets are purchased with the card
- •Travel inconvenience insurance when tickets are purchased with the card
- •100% cashback on video streaming subscriptions (Netflix, Disney+ and more): up to AED 150/month
- •3% cashback on school fees (AED 5,000-9,999 monthly spend): up to AED 2,000/month, AED 6,000/year
- •3% cashback on fashion purchases (AED 5,000-9,999 monthly spend): up to AED 500/month
- •3% cashback on fuel (AED 5,000-9,999 monthly spend): up to AED 150/month
- •Up to 10% cashback on Booking.com
- •Hertz Gold Plus Rewards Five Star membership with complimentary upgrade and best-rate discount
- •25% off Avis car rentals across Europe, the Middle East, Africa and Asia
- •20% off 3 Careem rides every month
- •10% off international round-trip bookings at Cleartrip with promo code MCWORLD
- •10% off bookings at 2,500+ Onefinestay luxury serviced apartments
- •Easy Payment Plan at 0% interest for 6 months
- •Balance transfer at 0% interest for 6 months (3% processing fee)
- •Loan on Phone at 0% interest for 6 months
- •Free supplementary cards
- •Compatible with Apple Pay, Google Pay and Samsung Pay
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the United Arab Bank World Mastercard Credit Card earn?
A UAB cashback card, free in the first year and AED 1,050 a year after (waived on AED 60,000 of annual spending), that pays 3%, 5% or 10% on school fees, fashion and fuel depending on your total monthly spending excluding school fees, each with its own monthly cap, plus 100% back on video streaming up to AED 150 a month, but nothing in a month under AED 5,000 of spending not counting school fees, and nothing on any other spending.
What does the United Arab Bank World Mastercard Credit Card cost?
No annual fee in the first year; AED 1,050 a year from the second year, including VAT, waived on AED 60,000 of annual spending. No joining fee. Supplementary cards are free.
What does spending abroad cost on the United Arab Bank World Mastercard Credit Card?
Spending abroad costs about 3.92% all in on Perkly's reading: UAB's 2.77% issuer markup fee on foreign currency transactions (its September 2026 schedule of charges, VAT included) plus about 1.15% for Mastercard, which is Perkly's standard estimate because UAB does not publish a scheme figure. UAB's Credit Card Key Facts Statement gives the markup as 2.63% instead, and both documents also list a 3.15% currency conversion fee, which Perkly treats as a dynamic currency conversion charge and leaves out; if it applied to every foreign currency purchase the cost would be higher. Spending abroad earns no cashback unless it falls in one of the card's categories.
What should I watch out for with the United Arab Bank World Mastercard Credit Card?
Only school fees, fashion, fuel and video streaming earn anything; groceries, dining and travel earn nothing. Nothing is earned in a statement period with under AED 5,000 of spending, and school fees do not count towards that AED 5,000. The ENTERTAINER gift costs AED 551.25 if you spend under AED 40,000 in the first year.
More from United Arab Bank
UAB Platinum Mastercard Credit Card
Benefits unlock at AED 3,000 minimum monthly spend
- 3% cashback on groceries, supermarkets and fuel (AED 3,000-4,999 monthly spend)
- Cashback capped at AED 500 a month across groceries, fuel and video streaming
Updated October 2026
UAB Platinum Mastercard Credit Card
Benefits unlock at AED 5,000 minimum monthly spend
- 5% cashback on groceries, fuel and 100% on video streaming (AED 5,000+ monthly spend)
- Combined cashback capped at AED 500 a month across groceries, fuel and video streaming
Updated October 2026