About Union Bank of India Credit Card

*Disclaimer: Union Bank of India is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only

 

Union Bank of India (UBI) was founded in Bombay on November 11, 1919. UBI is deemed as one of India's leading public-sector banks. The bank deals in several products and services such as loans, international services, wealth management, doorstep services, and many more. Just like its other amazing products, Union Bank Credit Card also holds a significant place in the market. It comes with competitive interest rates. Union Bank of India Credit Cards focuses on providing benefits tailored to your needs, fit your living, and are accepted worldwide. The authorised Union Bank Credit Cards are EMV (Europay, MasterCard, Visa) chip facilitated, as well as armed with robust security incorporated chip technology, designed to provide enhanced security. 

Union Bank Credit Card Features and Benefits

There are multiple features and benefits of the Union Bank Credit Card. Here are a few of them.

Features

Wide Acceptance

Union Bank Credit Cards are acknowledged by all VISA, Mastercard, and Rupay associations.

 

Interest - Free Period

Union Bank Credit Card offers interest-free credit terms ranging from 21 to 50 days for new customers.

 

Reimbursement for Fuel Surcharges

Fuel surcharges will be reimbursed at 1% of the amount spent on fuel purchases, up to a monthly maximum of Rs. 100/- per UBI Credit Card.

 

Accidental Coverage

UBI Credit Card also gives accidental protection of Rs. 5 Lakhs.

 

Liability for a Misplaced Card

The bank will provide coverage of up to Rs. 1.5 Lakhs, in case of any suspicious transactions after reporting a Loss of Credit Card.

 

Concierge Services & Access to Airport Lounges

Your UBI Credit Card provides you with well-deserved rest by offering the facilities of an airport lounge, regardless of which airline or class you fly.

 

Rewards and Offers

You will be eligible for exclusive credit card offers on shopping hotels, among other things, that are only available to VISA cardholders.

Benefits

  • You need to have only a minimum Annual Proven Income (API) of Rs. 1.80 Lakhs to obtain a Union Bank CC.

  • UBI CCs are also issued on the basis of a lien on deposits, with no requirement for proof of income.

  • There are three add-on cards available for spouses, parents, and children.

  • The Minimum Payment Due (MPD) is 5% of the bill's total amount.

  • From the second year onwards, the annual subscription is reduced.

  • If the cardholder chooses, he or she will be covered by a group personal accident insurance policy for a small fee.

Top Union Bank of India Credit Cards

There are multiple Union Bank Credit Card types available to choose from. Here are the top UBI Credit Card details.

Name of the Card

Best Suited For

Highlights

UBI VISA Signature Credit Card

The person having an annual income of Rs. 10 Lakhs

  • Low service charge under roll over credit

  • Attractive cashback and reward points

  • Access to domestic and international airport lounge

UBI Rupay Select Credit Card

The person having an annual income of Rs. 7.5 Lakhs

  • Low service charge under roll over credit

  • Attractive cashback and reward points

  • Access to domestic and international airport lounge

UBI VISA Platinum Credit Card

The person having an annual income of Rs. 2.5 Lakhs

  • Low service charge under roll over credit

  • Attractive cashback and reward points

  • Fuel surcharge waiver

UBI Rupay Platinum Credit Card

The person having an annual income of Rs. 2.5 Lakhs

 

  • Low service charge under roll over credit

  • Attractive cashback and reward points

  • Fuel surcharge waiver

  • Concierge service

UBI VISA Gold Credit Card

The person having an annual income of Rs. 1.80 Lakhs

  • Low service charge under roll over credit

  • Attractive cashback and reward points

  • Fuel surcharge waiver

Union Bank Credit Card Eligibility Criteria & Documents Required

Here is the table containing eligibility criteria that you must fulfil to acquire a UBI Credit Card.

Salaried Individual

Self-Employed Individual

Minimum Age - 18 years

Minimum Age - 18 years

Maximum Age - 60 years

Maximum Age - 70 years

Income - Minimum Rs. 1.80 Lakhs annually

Income - Minimum Rs. 1.80 Lakhs annually

The add-on card holder must be at least 18 years old.

The add-on card holder must be at least 18 years old.

Required Documents

Here is the list of documents necessary to get a UBI Credit Card.

Salaried Individual

Self-Employed Individual

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

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

Address proof (Passbook, Utility bills, Aadhaar card, Passport)

Address proof (Passbook, Utility bills, Aadhaar card, Passport)

Income proof (ITR, Salary slip, Form 16)

Income proof (ITR, Form 16)

Passport size photographs

Passport size photographs

Union Bank Credit Card Fees & Charges

Here’s the detailed information about the applicable fees & charges on UBI Credit Card.

Types of Charges

Amount

Admission fee

NIL

Roll over facility

5%

Lost card replacement charges

Rs. 299

Railway transaction fees

1.5%+IRCTC charges

Surcharge on fuel purchase

1%

Foreign currency mark up

3%

Cash advance fees

2.5%

Late payment charges

Rs. 200 (Outstanding balance of up to Rs. 25,000)

Rs. 500 (Above Rs. 25,000)

EMI processing fee

2%

Interest rate

16%

Union Bank Credit Card Reward Programs

On certain eligible expenditures, UBI offers reward points. You can earn points by making purchases with your UBI Credit Card.

Value

Reward Points

Up to Rs. 10,000

1 (On Rs. 100)

Between Rs. 10,000 to Rs. 30,000

1.5 (On Rs. 100)

More than Rs. 30,000

2 (On Rs. 100)

Union Bank Credit Card Customer Care

The bank has provided several methods through which you can get in touch with the Union Bank Credit Card customer care department.

Toll-free

18004251515 (24/7)

Phone number

040 2468 3204

FAX number

040 2475 5052

Email Id

ccdhelpdesk@unionbankofindia.com

Facebook

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

Twitter

https://twitter.com/UnionBankTweets

Instagram

https://www.instagram.com/unionbankinsta/?hl=en

Online grievances

https://icmt.unionbankofindia.co.in/icmt/grievancehome.aspx

Head office

Union Bank of India

Credit Card Division,

Head Office, Andhra Bank Buildings,

Koti Sultan Bazar, Hyderabad - 500 095

How to apply for a Union Bank Credit Card?

You can obtain a Union Bank Credit Card by visiting your nearest UBI branch as UBI Credit Card apply online option is not available. However, you can visit the Union Bank Credit Card website https://unioncards.unionbankofindia.co.in/index.jsp and go through the available Credit Card details.

Here are the steps to follow for a Union Credit Card

  • Step 1: At the branch, you can ask the official to provide you with the UBI Credit Card application form.

  • Step 2: Fill out the UBI Credit Card form carefully with the required details.

  • Step 3: After completing the Union Bank Credit Card application, submit it along with the supporting documents.

  • Step 4: Following your submission, the bank will verify the provided details. The UBI Credit Card processing time can take up to ten working days.

  • Step 5: Lastly, the bank will dispatch the Credit Card to your address.

The bank has introduced a UBI Credit Card app named Union Credit Card to give customers a seamless, hassle-free experience. This app allows you to manage your credit card services, including credit card statements, service requests, credit card PIN generation, and so on. 

FAQs on Union Bank Credit Card

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

    To obtain a UBI CC, you are required to visit the UBI branch and apply for the same.

  • ✔️Does Union Bank provide credit cards?

    Yes, there are several Union Credit Cards offered by the bank. Additionally, you may access the UBI Credit Card portal https://unioncards.unionbankofindia.co.in/index.jsp and check the UBI CC details. 

  • ✔️Which card is best in Union Bank of India?

    Every Union CC comes with lots of benefits and advantages. You can make a choice as per your requirements as well as your income. 

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

    The minimum annual income should be Rs. 1.80 Lakhs to acquire a Union CC.

  • ✔️What is the annual income limit for a UBI VISA Platinum Credit Card?

    The minimum annual income required for the VISA Platinum UBI Credit Card is Rs. 2.5 Lakhs.