Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
The Union Bank of India RuPay Platinum Credit Card allows you to avail discounts and cashback every time you swipe the credit card. The annual fee of the card is Rs.299.
RuPay benefits:
Fuel benefits:
Milestone benefits:
Equated Monthly Instalment (EMI) benefits:
Insurance benefits:
If you lose your Union Bank of India RuPay Platinum Credit Card, you have to immediately call the Union Bank credit card customer care at 18004251515 (toll-free number) and report the loss of your card. Your credit card will then be blocked by the bank.
| Type of charge | Fee | ||||||
|---|---|---|---|---|---|---|---|
| Joining fee | NIL | ||||||
| Annual fee | Rs.299 | ||||||
| Annual fee for add-on credit cards | Rs.199 | ||||||
| Fee to get an add-on credit card | Rs.300 | ||||||
| Roll-over facility fee | 5% | ||||||
| Credit-free period | 21 to 50 days | ||||||
| Cash advance limit | 30% of the limit that has been sanctioned by the bank | ||||||
| Lost card charges | NIL | ||||||
| Replacement of lost credit card | Rs.149 | ||||||
| Charge-slip request | Rs.200 | ||||||
| Transactions fee at railways | 1.5% + IRCTC charges | ||||||
| Foreign currency mark-up fee | 3% | ||||||
| Temporary enhancement fee | Rs.200 per occasion | ||||||
| Fee for hotlisting a credit card | Rs.200 | ||||||
| Withdrawal of cash from Union Bank of India ATMs | 3% of the amount you withdraw or Rs.200 (whichever is higher) | ||||||
| Withdrawal of cash from other banks' ATMs | 3% of the amount you withdraw or Rs.200 (whichever is higher) + Rs.50 | ||||||
| Balance enquiry at Union Bank of India ATMs | NIL | ||||||
| Balance Enquiry at ATMs of other banks | Rs.20 | ||||||
| Interest payable on cash advances | 2.5% every month | ||||||
| Service charge on revolving credit facility (if your Minimum Payment Due (MPD) has been paid by the due date) | 2.5% per month or 34.49% (Annualised Percentage Rate) | ||||||
| Service charge on revolving credit facility (if your Minimum Payment Due-MPD has not been paid by the due date) | 2.95% per month or 41.75% (Annualised Percentage Rate) | ||||||
| Overlimit fee | 2.5% of the overlimit amount, subject to a minimum of Rs.250 | ||||||
| Duplicate statement (over 3 months) | Rs.50 per statement | ||||||
| Duplicate physical PIN mailer | Rs.50 per occasion | ||||||
| Processing fee | 2% subject to a minimum of Rs.200 and a maximum amount of Rs.1,000 | ||||||
| Interest | 16% per year (reducing balance method) | ||||||
| Late payment fee |
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These are the documents you have to submit to the bank when you apply for the Union Bank of India RuPay Platinum Credit Card:
You can reach out to 18002678729 to reach the bank's concierge desk.
The applicant has to be over 18 years of age to get an add-on credit card.
Yes, you have to pay 2% of the outstanding EMI amount.
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