Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 Union Bank of India VISA International Signature Credit Card
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    1st Year Fee
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    250
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    Union Bank of India VISA International Signature Credit Card is Rated as "Blown Away!" by 2 Users

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    Promised Interest Rate

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    Union Bank of India VISA International Signature Credit Card

    Shop at outlets across the globe without any hassles with a Union Bank of India Visa credit card, which comes along with exceptional privileges and features. The international credit card is offered as a Signature Visa Card, which is a higher variant and also as a Non-photo Visa Card, which is the EMV Platinum International card. The Signature credit card comes with excellent features, EMV chip protection, annual fee waivers, insurance cover, lounge access, rewards program and other dining discounts. The domestic versions of the photo Signature VISA Card come in three variants namely - Classic, Silver and Gold. The higher variant of the Signature card can used globally. Most Union Bank of India credit cards do not carry any annual fees or renewal fees and offer the lowest interest rates.

    Features and benefits of a Union Bank of India Visa International Signature Credit Card:

    Union Bank of India Credit Cards are available in different variants - a) Photo Signature Visa Card (Domestic), b) EMV Platinum for International and c) Signature Credit Card.

    1. Union Bank of India Visa International Credit Card:
      • Annual Fees:

        Union Bank of India does not charge any annual fees or renewal fees for this Visa card.

      • Spending Limit:

        The spending limit assigned to a Visa International Credit Card is 20% of the annual gross salary as shown in the latest pay slip.

      • Interest Free Period

        The free credit period given by Union Bank of India is generally up to 50 days for a card holder.

      • Payment Options:

        Union Bank offers flexible payments option to credit card holders inclusive of online bill payments through internet banking accounts.

      • Fuel Surcharge Refund:

        The surcharge is waived off completely when fuel transactions are done by card holders for an amount between Rs. 400 and Rs. 4000.

      • Online transactions:

        Union Bank of India Visa International Credit Card holders can make secure online transactions via the Verified by Visa (VbV) platform and also get SMS alerts for all their transactions. Customers can also make online purchases through the RuPay PaySecure and MasterCard SecureCode.

      • EMI scheme:

        High-value purchases can be converted into monthly installments at a competitive interest rate. Transactions done on a Visa International Credit Card can be paid back through EMIs with tenures ranging from 3, 6, 9, 23, 24 or 28 months.

      • Insurance:

        Union Bank of India Visa International Credit Card holders can also get a complimentary personal accident cover, depending on the type of card availed. This insurance protection is also extended to add-on card holders. Classic card holders can get an air accident cover worth Rs. 2 lakhs and a regular personal accident death cover for Rs. 1 lakh. Silver card holders can get an air accident cover worth Rs. 4 lakhs and a regular personal accident death cover for Rs. 2 lakhs. Gold card holders can get an air accident cover worth Rs. 8 lakhs and a regular personal accident death cover for Rs. 5 lakhs.

      • Union Instant Cash:

        Card holders can also use the “Union Instant Cash” facility to withdraw cash at select merchant outlets. Customers can withdraw up to Rs. 1000 and Union Bank of India charges a service fee of Rs. 10 for every transaction.

      • Hot Listing Facility:

        Union Bank Visa International credit card holders can use the 24/7 hot listing facility available and get lost card liability protection to up to Rs. 1000, after reporting loss of card.

    2. Photo Signature VISA Card:

      This Signature card is issued as a Union Bank of India Classic card, Union Bank of India Silver card and a Union Bank of India Gold card.

    3. Signature Credit Card:

      As a higher variant, this card comes with privileges that cater to the international market. Carrying an embedded EMV chip for extra protection this card offers maximum security to users while performing online and PoS transactions.

      • Credit Limit:

        The credit limit assigned to a Signature credit card holder would be 20% of the salary as shown in the latest pay slip or Income tax returns statement.

      • Annual Fees:

        The annual fee charged for this card is Rs. 250, but the bank will waive this fee off if the card holder makes a yearly transaction of more than Rs.1 lakh.

      • Insurance:

        Customers can also get an accidental death insurance cover for Rs. 6 lakhs and an air accidental cover for Rs. 10 lakhs, when they avail this card.

      • Lounge Access:

        Card holders can enjoy two free lounge access at international and domestic airports, every quarter.

      • Union Rewardz:

        Under the Union Rewardz program, customers can accrue rewards points for PoS and online transactions, with a minimum spend of Rs.100. These accumulated points can be redeemed for travel tickets, merchandise, gift vouchers, etc. A minimum of 100 rewards points have to be amassed to be eligible for redemption.  For every Rs. 100 spent on a Signature credit card, customers can earn 4 rewards points.

      • Offers:

        As Visa privileges, Signature card holders can get a 10% discount on dining bills at 1200 restaurants and a 5% to 10% discount on car rentals, abroad.

    Eligibility:

    Applicants for a Visa International Credit Card have to meet the required income criteria as stipulated by Union Bank of India.

    Signature credit card:

    An applicant for a signature credit card should show a minimum annual income of Rs. 5 lakhs.

    Documents required:

    Union Bank of India Visa International Credit Card:

    Salaried Employees / Self-employed Professionals

    1. Address Proof
    2. PAN Card
    3. Income Proof for Salaried Employees - Pay slip / Form 16 / Salary Certificate / Income Tax returns
    4. Income Proof for Self-employed Professionals - Form 16 / Income Tax returns

    If the income proof is not available, then customers can apply for a credit card against a fixed deposit account.

    Fees & Charges:

     

    Classic Credit Card

    Silver Credit Card

    Gold Credit Card

    Signature Credit Card

    Annual Fees

    Nil

    Nil

    Nil

    Rs. 250 (Waived off if the yearly spend is more than a lakh.

    Cash Advance Charges - Cash Withdrawals

    2.50%

    2.50%

    2.50%

    -

    Finance Charges - Roll over credit

    1.90%

    1.90%

    1.90%

    -

    Cash Advance Charges - ATMs

    Rs.100

    Rs.100

    Rs.100

    -

    Cash advance - on Credit limit

    Up to 20%

    Up to 20%

    Up to 20%

    -

    Cash Advance Charges - Abroad

    Rs.125

    Rs.125

    Rs.125

    -

    Returned Cheque

    Rs. 100 / instance

    Rs. 100 / instance

    Rs. 100/ instance

    -

    Late Payment Charges

    Rs.200

    Rs.200

    Rs.200

    -

    Over Limit Charges

    Rs. 100 / instance

    Rs. 100 / instance

    Rs. 100 / instance

    -

    Enhancement of credit limit

    Rs. 100 / instance

    Rs. 100 / instance

    Rs. 100 / instance

    -

    PIN Replacement Fee

    Rs.50

    Rs.50

    Rs.50

    -

    Card Replacement fee

    Rs. 100

    Rs. 100

    Rs. 100

    -

    Union Bank of India Visa International Credit Card FAQs: 

    1. How can customers check the balance in their Union Bank Visa International credit card accounts?

      Card holders can call the 24/7 Credit Card Call Centre or the Union Bank general call centre to check their credit card account balance.

    2. What are the different bill payment modes available to Union Bank of India Visa International credit card holders?

      Union Bank of India Visa International credit card users can use the following methods -

      • Auto Debit
      • Union Bank Credit Card Bill Pay - Internet Banking
      • At Union Bank of India branches
    3. What should a Union Bank of India Visa International credit card holder do if his card has been lost or stolen?

      Customers should report the loss of card to the 24/7 customer care and place a request to hotlist the credit card.

    4. How does the revolving credit facility work for Union Bank of India Visa International credit cards?

      Using the revolving credit facility, card holders can enjoy the flexibility of choosing to pay either the a) Minimum amount due, b) total amount due or c) any amount between the two aforementioned amounts.

    5. Under the revolving credit facility, when does the customer start paying interest?

      New purchases would attract interest from the date of purchase, if the customer is availing the revolving credit facility.

    Other Top Credit Cards by Union Bank of India:

    Union Bank of India VISA International Signature Credit Card Reviews

    • Union Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Holding the Union bank of India Visa International signature credit card for past 5 years. The customer support is excellent with the Union bank credit card department. I am satisfied with the credit limit. The interest and the charges are average with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 04, 2017
    • Union Bank of India Credit Card
      "GREAT"
      0.5 5.0/5 "Blown Away!"
      The customer service provided by UNION bank OF INDIA is really good as i am using the credit card . The bank gave me a credit limit of 25K on the credit card and cash withdrawal option is also there on that amount . There are no good offers available on the card .
      Was this review helpful? 0
      , alwar
      Reviewed on Dec 01, 2017
    • Union Bank of India Credit Card
      "No hassles overall"
      0.5 5.0/5 "Blown Away!"
      Union Bank of India has offered me a credit card and the bank has provided a good limit. Being an existing customer the services are good but they still could improve more by being more proactive. The charges are normal and it is good to use when ever in need.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 21, 2017
    • Union Bank of India Credit Card
      "Union credit card"
      0.5 3.0/5 "Satisfactory"
      I hold a platinum credit card with Union bank. My current limit is 25000 and i am not satisfied with the limit. I have reward points other than that no other offers.The mobile application with the bank is not that much good.I am ok with the credit card.
      Was this review helpful? 0
      , anuppur
      Reviewed on Nov 20, 2017
    • Union Bank of India Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      There are a lot of good deals on the credit card from Union Bank of India. There are a lot of reward points and the points can be redeemed online for shopping and even at Big Bazaar. The credit limit is of 75K now and I am sure the bank would enhance the limit pretty soon.
      Was this review helpful? 0
      , dhanbad
      Reviewed on Oct 14, 2017
    • Union Bank of India Credit Card
      "GOOD SERVICE"
      0.5 3.0/5 "Satisfactory"
      The service provided by union Bank was very good in the credit card.They don't have much special offers but they do give some offers.They are good in service and the functionality of the card is also good. I have taken this card 1.5 years back and used it for 6 months then closed it because I dint have much to use with card. Credit limit they had offered is 85k
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 09, 2017
    • Union Bank of India Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      Union Bank of India is good in the credit card services as well. They have offered me a card with a decent credit limit. As long as I used the card there has been no hassles and all my transactions goes through with ease. There are no charges and the statements are clear.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 27, 2017
    • Union Bank of India Credit Card
      "Nice service"
      0.5 4.0/5 "Great!"
      I hold free credit card with Union bank. Actually when I availed home loan from them, they offered credit card with free of cost. I do not have any idea about reward points and cash back offers. But I do not have any issues with the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 06, 2017
    • Union Bank of India Credit Card
      "Super card: Union Bank signature Credit card"
      0.5 5.0/5 "Blown Away!"
      Visa signature credit card by UBI is really good. Enjoying a limit of 1 L without any annual fees. (Literally completely FREE). No hidden costs. Further, earning rewards points and using them to recharge and book movie tickets. Also, other benefits like 10L insurance cover, Airport lounge access, etc. U-Control app on mobile to control my credit card features. Thank you Union Bank of India.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 21, 2017
    • Union Bank of India Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      The service provided by union Bank was very good in the credit card.They don't have much special offers but they do give some offers.They are good in service and the functionality of the card is also good. I have taken this card 1.5 years back and used it for 6 months then closed it because I dint have much to use with card. Credit limit they had offered is 85k
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2017
    • Union Bank of India Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      The annual fee on my Union bank of India credit card is five hundred rupees. I have some special offers on my card. Frequently I am getting cash back offers and reward points based on my usage. Also it is very easy to redeem those reward points. To sum up, I am satisfied using this credit card of UNION BANK OF INDIA.
      Was this review helpful? 1
      , nanded
      Reviewed on Apr 21, 2017
    • Union Bank of India Credit Card
      "Best bank to go for"
      0.5 4.0/5 "Great!"
      I do have a credit card of Union Bank of India, I am using it from the last two months of time. Credit limit value is good one with them and the offers are nil with them like I can say its a traditional credit card. Customer service is very good with the Union bank of India.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 25, 2017
    • Union Bank of India Credit Card
      "Best "
      0.5 5.0/5 "Blown Away!"
      I do have the credit card with the Union Bank of India and the response is good with them. Response is good because its my employer and they have provided me with the credit limit as 50000 Rupees. Customer service is good with them.
      Was this review helpful? 3
      , karur
      Reviewed on Apr 07, 2016
    • Union Bank of India Credit Card
      "give a try"
      0.5 5.0/5 "Blown Away!"
      My credit card type is classic I have with the union bank of India. I am using this for 6 months. I get 5-10% discounts in shopping. I am fine with the credit limit offered. And the credit card is free for life time. One thing that is lacking in the bank is marketing.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 23, 2016
    • Union Bank of India Credit Card
      "Acceptable "
      0.5 4.5/5 "Excellent!"
      The service provided by union Bank was very good in the credit card.They don't have much special offers but they do give some offers.They are good in service and the functionality of the card is also good.The acceptation of the card is wide and available everywhere.
      Was this review helpful? 3
      , gurgaon
      Reviewed on Jan 13, 2016
    • Union Bank of India Credit Card
      "Great!!!"
      0.5 4.0/5 "Great!"
      On the platinum credit card usage of UBI bank they give only the rewards points for all the purchase which can redeem into the shopping. I took the card recently only. If we spend more than 15,000 the annul fee is waived off. No emi conversation and cash back offers are given but the credit limit is very good .
      Was this review helpful? 4
      , bangalore
      Reviewed on Dec 16, 2015
    • Union Bank of India Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the union bank of india with the credit limit of 25000 Rupees and it can be extended upto 100000 Rupees . The services are good with the Union bank of india and I am working there. There are no offers with them as such.
      Was this review helpful? 3
      , nellore
      Reviewed on Nov 24, 2015
    • Union Bank of India Credit Card
      "alternative shopping"
      0.5 2.0/5 "Expected more"
      I have the UBI visa planitun credit card which i use as the alternate for the sbi card. They do not have any cash back offers and the reward points are not useful as per customers requirement. There is no annul fee. Customer service response is very delay as we have to wait long time.
      Was this review helpful? 0
      , kakinada
      Reviewed on Nov 19, 2015
    • Union Bank of India Credit Card
      "Shape up or shape out "
      0.5 3.0/5 "Satisfactory"
      I hold a credit card from UBI for the past 1.5 years. They pay back points are very less and we can not redeemed it immediately only after three months we can redeem them.. The card is not more customer friendly . They do not have any offers for online purchases and in case we want to convert any purchase into emi we have to call the bank but the interest rate is high.
      Was this review helpful? 4
      , mumbai
      Reviewed on Oct 23, 2015
    • Union Bank of India Credit Card
      "Excellent.."
      0.5 5.0/5 "Blown Away!"
      Platinum smart card is mine and this credit card of Union Bank of India plays vital role in doing business as I use this credit card while preparing tender for government related works. Just annual charge is of 299 and some service tax is applicable. Credit card service is fine in this bank.
      Was this review helpful? 10
      , jodhpur
      Reviewed on Sep 18, 2015
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