Union Bank of India Credit Card

On this Page: Features and Benefits Fees and Charges Earn & Redeem Credit Card Reward Points Credit Card Eligibility & Documents Required How to Apply Credit Card Customer Care FAQs

Union Bank of India offers four credit cards including a secured credit card. They offer reward points on purchases, fuel surcharge waiver and more to the card users. The fees and charges are also quite competitive. The details of Union Bank of India credit cards are given below.

It is a secured credit card and is issued against a fixed deposit account. The top features of the card are:

Lifetime Free – No Joining or annual fee is charged.

Secure Usage – Comes with an EMV chip card making it very secure.

Flexible Fixed Deposit Amount – You can get this credit card against a fixed deposit of any amount between Rs. 25,000 and Rs. 5 Lakh.

Insurance Coverage – You will also receive the following complimentary coverage:

• Accidental Death Insurance Cover worth Rs. 5 Lakh
• Air Accidental Death Insurance Cover worth Rs. 8 Lakh

The features and benefits of the card are:

Lifetime Free Credit Card – There is no annual, renewal or joining fee on the credit card.

Reward Program – Redeem reward points without paying a reward redemption fee.

Credit Limit – Get credit limit up to 20% of gross annual income.

Interest-Free Credit Period – Get up to 50 days of interest-free credit period.

Security – Bank provides 3FA authentication security for all domestic online transactions. Also get SMS alerts for other transactions.

Union Bank Rupay credit cards come in two variants- Union Bank Rupay Select Credit Card and Union Bank Rupay Platinum Credit Card. The features and benefits are:

Personalisation – Both cards can be personalised by the customer.

Aadhaar Enabled – Both variants are Aadhaar enabled.

Insurance Coverage – Insurance is provided in the following manner:

Union Bank Rupay Select Credit Card	Union Bank Rupay Platinum Credit Card
Rs. 10 lakh in case of death due to Air accident Rs. 8 lakh in case of death due to reasons other than Air accident	Rs. 8 lakh in case of death due to Air accident Rs. 5 lakh in case of death due to reasons other than Air accident

Lounge Access – Get 4 free accesses via Union Bank Rupay Select Credit Card only.

Fuel Surcharge waiver – Get waiver of up to Rs. 75 per card per month.

Cashback Offer – The cash back is given in the following manner:

• Utility Bills – Up to Rs. 50 per card per month
• Mobile Wallet Transfer – Up to Rs. 50 per card per month on minimum transaction of Rs. 500
• IRCTC – Up to Rs. 25 cashback on minimum transaction of Rs. 300

Annual Fee Waiver – Annual fee of Rs. 250 will be waived off if the previous year’s transactions reach Rs. 1 Lakh or more.

Credit Limit – Get up to 20% of the annual income as the credit limit.

Insurance Coverage – Get the following coverage:

• Accidental death insurance of Rs. 6 Lakh
• Air accident insurance of Rs. 10 Lakh

Lounge Access – Get 1 free airport lounge access per quarter at both domestic and international airports.

Reward Points – Earn 4 Reward Points for each Rs. 100 spent on the card.

Dining Offers – Get an instant 10% discount on the dining bills at over 1,200 restaurants.

Rental Discount – Get a discount of 5 – 10 % on car rentals outside India.

Category	Usecure	Classic/Silver/Gold/Signature
Annual/Renewal Fee	NIL	NIL
Finance Charges on Roll over Credit	1.30% p.m.	1.90% p.m.
Cash Advance Charges for Cash Withdrawal	2.50% p.m.	2.50% p.m.
Cash Advance Charges at Domestic ATM	Rs. 100	Rs. 100
Cash Advance Charges (Overseas)	Rs. 125	Rs. 125
Late Payment Charges	Rs. 200	Rs. 200
Charges for over the Credit limit usage	Rs. 100 per occasion	Rs. 100 per occasion
Returned Cheque	Rs. 100	Rs. 100
Limit enhancement fee	Rs. 100 per occasion	Rs. 100 per occasion
Card Replacement fee	Rs. 100	Rs. 100
Retrieval of charge slip	Rs. 100 or the actual charges whichever is higher	Rs.100 or the actual charges whichever is higher
PIN Replacement Fee	Rs. 150.00	Rs. 150.00
GST	18.00%	18.00%

Union Bank of India offers reward points on certain eligible spends. Customers can earn points by using their credit card for making purchases. The rewards points earn rate for all Union Bank credit cards except Visa Signature credit card are shown in the table below:

Amount	Reward Points Earned per Rs. 100 spent
Up to Rs. 10,000	1
Rs. 10,001 to Rs.  30,000	1.5
Above Rs. 30,000	2

Union Bank of India Signature credit cardholders earn 4 Reward Points per Rs. 100 spent.

Do note that 4 Reward Point = Re. 1

Once sufficient points have been earned, customers can redeem the points for vouchers, items and more at Union Rewards Website. Click here for more details.

Union Bank of India has set certain criteria that applicants must meet in order to get their credit cards. The criteria can be credit score, age, income, location, and so on. The eligibility criteria for different credit cards may vary. Also, the bank reserves the right to accept or deny a credit card application.

Documents Required

Certain documents need to be submitted by the applicants to prove the information given in the application form. The list of eligible documents is:

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

Customers can visit the nearest Union Bank of India branch. Ask an official to help with the process which includes filling out an application form and submitting certain documents. The bank will then review the documents and application and upon qualifying dispatch the credit card. The delivery of the credit card may take up to 10 working days.

Also Read: 25 Best Credit Cards in India

The all India toll free number is 1800 22 22 44 or 1800 208 2244. Additional contact details can be found here.

What should I do if I lose my card or it is stolen?

If you lose your credit card you should immediately call on the bank’s helpline numbers and get the card hotlisted.

What is a revolving credit facility?

Credit card is a revolving credit instrument which means that when the bill is generated, you have the following options.

• Pay the total amount due
• Pay the minimum amount due
• Pay any amount ranging between the minimum amount and the total amount due

If you choose either of the last two options then the unpaid amount is carried forward to the next billing period. This process of payment is known as the revolving credit. The outstanding balance will attract finance charges on a daily basis.

When do I start paying interest on the new purchases if I already have the revolving credit?

If you already have revolving credit then the interest on the new purchases start from the date of the new purchase made.

What happens in the case of a disputed card transaction?

In case of any dispute in the transactions made, you are required to submit the dispute form duly filled up and send it to the Credit card division of Union Bank of India. The card division of the bank will get in touch with you as earliest as possible with the status of the transaction.

How are charges calculated for credit card transactions?

If you fail to make the payment of the credit card bills then the following charges are levied:

1. Interest calculated on all the purchases from the date of purchase
2. Late payment fees