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Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now!

About Union Bank of India Credit Card 

Disclaimer: Union Bank of India is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only

 

Union Bank has a considerable market presence for their several products and services, as it provides lucrative and competitive interest rates on loans and credit cards. Union Bank of India credit card is designed to provide personal advantages to your needs, match your lifestyle, and is accepted globally. These cards are EMV (Europay, MasterCard, Visa) enabled, as well as equipped with robust security incorporating chip technology.

How to Apply for a Union Bank Credit Card

You may apply for a Union Bank credit card through online and offline modes. 

1.  Online Method

Here are the steps to apply for a Union Bank credit card online. 

 

  • Step 1: Go to the official website of Union Bank of India or download the app.

  • Step 2: Navigate to the ‘Credit Cards’ section. 

  • Step 3: You will view multiple options of cards. Make a choice that suits your needs.

  • Step 4: Fill out the application form carefully.

  • Step 5: Submit the form along with the necessary documents.

  • Step 6: Following that, your application process will be completed.

  • Step 7: The bank will assess your eligibility and verify the provided information. 

  • Step 8: After the verification process, the institution will dispatch your credit card.

  • Step 9: Your credit card will be delivered to your address in a few days. 

2.  Offline Method

Here are the steps to follow.

 

  • Step 1: Visit your nearest UBI branch.

  • Step 2: Ask the officials for the credit card application form.

  • Step 3: As per your eligibility, officials will suggest to you the card that suits you best. 

  • Step 4: Fill out the application form and submit it with the supporting documents.

  • Step 5: Following that, the bank will take a few days to complete the verification process and dispatch your card.

Top Union Bank of India Credit Cards

The organisation offers multiple credit cards, giving you a wide range of cards to choose from. Here are the details about the top Union Bank cards. Knowing the details about the best cards will allow you to make an informed decision. 

1. UBI VISA Signature Credit Card

This card is best suited for a person having a yearly income of ₹10 Lakhs. 

 

        Key Highlights

 

  • Annual fee: ₹1,999

  • Accidental death insurance coverage: ₹30 Lakhs

  • Get up to 20% of your annual income as your credit limit

  • Rewarding cashback and reward points

  • Free access to domestic and international airport lounges

2. UBI Rupay Select Credit Card

Individuals earning an annual income of ₹7.5 Lakhs are eligible for this card.

 

        Key Highlights 

 

  • Annual fee: ₹499

  • Air accidental death insurance coverage: ₹10 Lakhs

  • Other accidental death insurance coverage: ₹8 Lakhs

  • Lucrative reward points and discounts

  • Get 4 free access to domestic and international airport lounges

3. UBI VISA Platinum Credit Card

You can apply for this card if you have an annual income of ₹2.5 Lakhs.

 

        Key Highlights

 

  • Annual fee: ₹299

  • Accidental death insurance coverage: ₹10 Lakhs

  • Lucrative reward points and discounts

  • EMI facility is available on this card

  • Get benefit of fuel surcharge waiver

4. UBI VISA Gold Credit Card

This card is best suited for a person having an annual income of ₹1.80 Lakhs. 

 

        Key Highlights 

 

  • Annual fee: ₹299

  • Accidental death insurance coverage: ₹1.5 Lakhs

  • Lucrative reward points and discounts

  • EMI facility is available on this card

  • Get benefit of fuel surcharge waiver

Union Bank Credit Card Eligibility Criteria

Here are the eligibility criteria for Union Bank CC. 

 

  • You must be a salaried or self-employed individual.

  • You should be an Indian citizen.

  • Your age must be between 21 to 65 years.

  • Your minimum income should be ₹1.80 Lakhs.

Union Bank Credit Card Documents Required 

Following is the list of documents required to be submitted with the Union Bank credit card application.

 

  • Identity proof (Aadhaar card, Driving licence, Voter Id card)

  • Address proof (Aadhaar card, Passport, Utility bills, Voter Id card)

  • Income proof

  • ITR copies

  • Form 16

  • PAN card

  • Passport size photographs

Union Bank Credit Card Reward Programs 

Making purchases using a Union Bank credit card will provide you with excellent reward points, which you can utilise to get discounts on your next transactions. Here are the details about the reward points. 

 

  • You will get 1 point on every ₹100 spent (up to ₹10,000)

  • You will get 1.5 points on every ₹100 spent (between ₹10,000 to ₹30,000)

  • You will get 2 points on every ₹100 spent (above ₹30,000)

Union Bank Credit Card Features and Benefits

Union Bank credit cards come with multiple features and benefits. Here are a few of them. 

1. Interest-Free Period 

If you are a new customer, Union Bank Credit Card provides interest-free credit durations ranging from 21 to 50 days.

2. Fuel Surcharge Reimbursement

Fuel surcharges will be compensated at 1% of the total amount spent on fuel purchases, maximum monthly reimbursement up to ₹100 per UBI Credit Card.

3. Access to Domestic and International Lounges 

You will get complimentary access to domestic and international lounges. 

4. Accidental Insurance Coverage 

You will be provided accidental insurance coverage with each UBI credit card. However, the amount of coverage depends upon the type of card you choose. 

5. Add-on Cards

You may also get add-on cards for your spouse or other family members with your primary card. 

6. Rewards & Offers

You will receive reward points on every purchase, which can be used on your next purchase to get a discount. 

Union Bank Credit Card Fees & Charges

Here are the details about UBI card fees & charges. 

 

  • Annual fee: Nil

  • Surcharge on fuel purchase: 1%

  • Foreign currency mark-up: 3%

  • Lost card replacement fees: ₹299

  • Railway transaction charges: 1.5%+IRCTC charges

  • Cash advance charges: 2.5%

  • Late payment fees: ₹200 (outstanding dues of up to ₹25,000) ₹500 (More than ₹25,000)

  • EMI processing charges: 2%

Union Bank Credit Card Customer Care Details

If you face any difficulty regarding your UBI credit card or have any queries, you can get in touch with the Union Bank credit card department. Here are the details: 

 

  • Toll Free number: 1800 425 1515 (24*7)

  • Phone number: 040 2468 3204

  • Fax number: 040 2475 5052

  • Email id: ccdhelpdesk@unionbankofindia.com

  • Online grievances: https://icmt.unionbankofindia.co.in/icmt/grievancehome.aspx 

  • Facebook: https://www.facebook.com/UnionBankOfIndia/ 

  • Twitter: https://twitter.com/UnionBankTweets

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FAQs about Union Bank of India Credit Card

✔️How can I get a Union Bank of India credit card?

To obtain a UBI CC, you must go to the Union Bank credit card website or a UBI branch and apply for one.

✔️Which is the best credit card offered by Union Bank of India?

The bank offers several credit cards for different categories. You may choose the best as per your needs.

✔️What is the minimum salary for a Union Bank credit card?

In order to obtain a Union Bank credit card, your minimum income should be ₹1.80 Lakhs.

✔️What is the yearly income requirement for the UBI VISA Platinum credit card?

The UBI VISA Platinum credit card requires a minimum yearly income of ₹2.5 Lakhs.

✔️How long is the approval period for a Union Bank credit card?

It may take up to 12 to 14 working days to get an approval.

✔️How can I activate my Union Bank of India credit card online?

You can activate your card by visiting the ‘My Credit Card’ portal or by calling 8889554141.