Union Bank Silver Credit Card

The features and Benefits of the card are:

Offers on Fees and Charges – The bank does not charge annual, renewal or joining fee.

Accident Cover – Customers can expect the following coverage

• Air accident cover – Rs. 4.00 lakh
• Other than air accident – Rs. 2.00 lakh

Reward Points – Attractive Reward Program that allows redemption without having to pay reward redemption fee.

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

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

Security – Get 3FA authentication for domestic online transactions and receive SMS notifications for all transactions.

Attractive EMI Offers – Convert big-ticket purchases to EMI of 3/6/9/12/18/24 months and avail attractive interest rate.

Refund on Fuel Surcharge – Get refund on fuel surcharge when paying for fuel using the credit card.

Union Bank Silver Credit Card
Good For: People who want to earn reward points Customers who want a low annual fee credit card People who want fuel surcharge waiver	Bad For: Customers who want cashback Customers who want a premium credit card Customers who want a diverse rewards catalogue

Fees/Charges	Amount
Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	Nil
Finance Charges	1.90% per month/22.80% per annum
Cash Advance Charges	2.50% of the amount
Late Payment Fees	Rs.200
Charges on Over Limit Account	Rs. 100 per instance
Payment dishonour Fee	Rs. 100 per instrument
Card Replacement Fee	Rs. 100
GST	18% of the fees and charges

The eligibility criteria are:

• Customers who draw a salary must be between the ages of 21 and 60 years
• Applicant must be an Indian Citizen
• Self-employed applicants must be between 21 and 65 years of age

Additionally, customers will have to submit PAN card / Form-60, Aadhaar card, and other such documents to establish proofs of address, identity and income.

To apply for Union Bank Silver credit card customers will have to visit the nearest Union Bank of India branch. At the bank contact an official who will guide you through the process. Submit the required documents for verification. On successful verification, the bank will dispatch the credit card.

What is foreign currency mark-up fee?
Whenever a customer shops overseas or at a shop in India which is registered over-seas then foreign currency mark-up fee will be charged. It is like a convenience fee that the credit card provider charges for providing the ease to shop in a different currency.

What is the annual fee for Union Bank Silver Credit Card?
There is no annual fee on this credit card.

What offers and benefits does Union Bank Silver Credit Card offer?
There are many benefits that customers can expect when using the Union Bank Silver credit card such as air accident cover, non-air accident cover, reward points and so on.

What is the finance charge on Union Bank Silver Credit Card?
The finance charge on Union Bank Silver Credit Card is 1.90% per month.

Is there a limit enhancement fee on Union Bank Silver Credit Card?
Yes and the fee is Rs. 100 only.