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.
You may apply for a Union Bank credit card through online and offline modes.
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.
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.
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.
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
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
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
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
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.
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.
This card is the premium version of the RuPay Platinum credit card. You can claim shopping, travel and insurance benefits with this 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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 cards come with multiple features and benefits. Here are a few of them.
If you are a new customer, Union Bank Credit Card provides interest-free credit durations ranging from 21 to 50 days.
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.
You will get complimentary access to domestic and international lounges.
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.
You may also get add-on cards for your spouse or other family members with your primary card.
You will receive reward points on every purchase, which can be used on your next purchase to get a discount.
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%
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
To obtain a UBI CC, you must go to the Union Bank credit card website or a UBI branch and apply for one.
The bank offers several credit cards for different categories. You may choose the best as per your needs.
In order to obtain a Union Bank credit card, your minimum income should be ₹1.80 Lakhs.
The UBI VISA Platinum credit card requires a minimum yearly income of ₹2.5 Lakhs.
It may take up to 12 to 14 working days to get an approval.
You can activate your card by visiting the ‘My Credit Card’ portal or by calling 8889554141.
You need to get a board approval to apply for a Union Bank corporate credit card. The resolution has to verify the person authorised to use it on behalf of the company and that these expenses can then be charged to the company’s account. The application needs to be duly signed by all authorised persons as well as the individual acting as the company’s proxy.
Like all other lenders, Union Bank decides on the credit limit of a card by evaluating the income slab of the applicant.