Apply for Union Bank of India Credit Card

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

Types of Credit Cards Offered by Union Bank of India 

1. Uni Carbon Credit Card

In the age of rapidly skyrocketing fuel prices, this Union Bank credit card is a must. With this fuel credit card, you can earn reward points on fuel spends at HPCL outlets across the country. 

2. UBI RuPay Platinum Credit Card

Union Bank RuPay Platinum Credit Cardis a shopping credit card that’s ideal for those who love to spend the day shopping. This Union Bank credit card brings you merchant-specific discounts and offers on every lifestyle spend. 

3. UBI RuPay Select Credit Card

This card is the premium version of the RuPay Platinum credit card. You can claim shopping, travel and insurance benefits with this card. 

4. UBI VISA Gold Credit Card

This is the most basic credit card from Union Bank that’s available to applicants with a yearly income of ₹1.80 Lakhs p.a. It entitles you to cashback offers, discounts, insurance and fuel surcharge cap benefits. 

5. UBI VISA Platinum Credit Card

This Union Bank VISA credit card can be used in both India and abroad. Since the card is accepted by over 9 Lakh merchants in India and 29 million merchants overseas, earning cashbacks in the country and abroad becomes easy.

6. UBI VISA Signature Credit Card

Union Bank VISA Signature Credit Card is the most premium credit card the bank offers. As such this credit card comes with VISA international’s concierge service support and lounge access benefits.  

Features & Benefits of Various Union Bank Credit Cards

1. Uni Carbon Credit Card 

Uni Carbon Credit Card comes with the following features and benefits:

• Welcome bonus of ₹300 that can be redeemed at any HPCL outlet within the first 60 days of the card’s activation. 

• 16 reward points on fuel spends of ₹500 or more.

• 1% fuel surcharge waiver on transactions of ₹200 or more at an HPCL outlet. 

• 2 reward points for every ₹100 spent on transactions done via the internet, POS, MOTO or IVR.

• Yearly spends of ₹1.25 Lakhs earns you additional milestone bonuses. 

• Comes with an interest-free period of 21-50 days. 

• Personal accident insurance cover of ₹10 Lakhs. 

2. UBI RuPay Platinum Credit Card

Union Bank RuPay Platinum Credit Card comes with the following features and benefits: 

• Annual fee of ₹299 is waived against yearly spends of ₹30,000 or more. 

• Fuel surcharge waiver of ₹100 is applicable every month.

• EMI facility available on all purchases (except fuel and gold) for periods of 3,6,9 and 12 months.

• Personal insurance cover of ₹2 Lakhs against permanent disability or death. 

• Exclusive offers at partner restaurants. 

• Discounts and cashbacks on utility bill payments. 

3. UBI RuPay Select Credit Card

Union Bank RuPay Select Credit Card comes with the following features and benefits:

• Complimentary lounge access applicable to both domestic and international airports. 

• Liability protection of up to ₹1.5 Lakhs on transactions done after the card is reported stolen. 

• Accidental death and disability cover of ₹10 Lakhs is applicable.

• Add-on card issuing against the primary credit card allowed. 

4. UBI VISA Gold Credit Card

Union Bank VISA Gold Credit Card comes with the following features and benefits:

• Annual fee of ₹299 is waived against yearly spends of ₹30,000 or more. 

• Cashbacks and discounts on utility bill payments.

• 1% fuel surcharge waiver with a limit of ₹100/month.  

• ₹5 Lakh personal accident cover to keep your insurer.

• Exclusive offers by VISA on hotels, restaurants, car rentals. 

5. UBI VISA Platinum Credit Card

Union Bank VISA Platinum Credit Card comes with the following features and benefits:

• For spends of more than ₹50,000, the applicable annual fee of ₹499 is waived. 

• Insurance coverage of ₹10 Lakhs against accidental death and permanent disability. 

• Transactions of up to ₹1.50 Lakhs on your lost or stolen credit card will be covered by the bank.

• You can save up to ₹100 on fuel surcharge payments every month.

• Special cashbacks and rewards on VISA’s partner network.

6. UBI VISA Signature Credit Card

Union Bank VISA Signature Credit Card comes with the following features and benefits:

• Spending ₹2.7 Lakhs on this credit card will earn you an annual fee waiver for the next year. 

• Travel in style with access to airport lounges at select Indian airports.

• Offers and discounts on airport shopping, car rentals and hotel bookings. 

• 24*7 assistance via VISA international’s concierge service. 

• Largest personal accident cover of ₹30 Lakhs. 

• 1% fuel surcharge waiver applicable. 

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

What are the Factors Affecting Union Bank of India Credit Card Eligibility Criteria

Applicant’s Income - Your income determines the credit limit available to you as it assures the lender about timely bill payments. Every credit card offered by the Union Bank comes with its own set of income eligibility criteria. While the basic qualification slab is set at 1.80 Lakhs p.a., the maximum cap is placed at 10 Lakhs p.a. Thus, you will qualify for different types of Union Bank credit cards depending on your yearly income.

Applicant’s Age - To apply for a Union Bank credit card online, you need  to be within a certain age group. Since becoming a credit cardholder imposes a certain fiscal responsibility on an individual, banks set a minimum age limit on the application process. For Union Bank, this limit is set at a minimum of 21 years and a maximum of 65 years. For certain UBI credit card categories, the eligible range is 18-70 years.  

Applicant’s Credit Score and Credit History - Your credit history and score reflect on how responsible you are when timely repayments are concerned. Thus, applicants with a good credit score within the range of 750-900 will have higher chances of getting their Union Bank credit card requests approved.  

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