Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Union Bank VISA Gold Credit Card

    With the VISA Gold Credit Card, you can enjoy benefits like cashbacks and discounts when you make purchases using the credit card. The credit card comes with an EMV Chip and is PIN-enabled for Point-of-Sale transactions (POS). The credit card comes at an annual fee of Rs.299.

    Key Highlights of the Union Bank VISA Gold Credit Card

    • You get 1% waived off on the fuel surcharge when you buy fuel using the Union Bank VISA Gold Credit Card at any petrol station in India.
    • When you pay your utility bills, you get cashback and discounts benefits.
    • Personal accidental coverage: Rs.5 lakh

    Features and Benefits of the Union Bank VISA Gold Credit Card

    Discount and cashback benefits:

    • You get cashbacks and discounts at partner restaurants.
    • When you pay your utility bills, you get cashback and discounts benefits.

    Fuel benefits:

    • When you buy fuel using the Union Bank VISA Gold Credit Card at any petrol station in the country, you get a waiver of 1% on the fuel surcharge.
    • The maximum fuel surcharge you can get in one month is up to Rs.100.

    Milestone benefits:

    • The annual fee of Rs.299 will be waived off if you spend Rs.30,000 or more in the previous year.

    Insurance benefits:

    • You get a personal accidental coverage of up to Rs.5 lakh with the credit card.
    • If your card has been lost/stolen and misused, all fraudulent transactions up to Rs.1.50 lakh will be covered by the bank.

    Note: You should call the Union Bank credit card toll-free number at 18004251515 and report the loss of the credit card. Union Bank of India will then block your card immediately to prevent further misuse of the credit card.

    Fees and Charges of the Union Bank VISA Gold Credit Card

    Type of charge Fee
    Joining fee NIL
    Annual fee Rs.299
    Annual fee (add-on cards) Rs.199
    Fee for an add-on card Rs.300
    Charge for loss of card NIL
    Replacement of card Rs.149
    Interest-free period 21 to 50 days
    Interest on cash advances 2.5% every month
    Interest 16% per year (reducing balance method)
    Temporary enhancement charge Rs.200 per instance
    Hotlisting fee Rs.200
    Charge-slip request Rs.200
    Fee for roll-over facility 5%
    Overlimit fee 2.5% of the overlimit amount, subject to a minimum of Rs.250
    Duplicate statement (more than 3 months) Rs.50 per statement
    Duplicate physical PIN mailer Rs.50 per instance
    Processing fee 2% subject to a minimum amount of Rs.200 and the maximum amount is Rs.1,000
    Cash advance limit 20% of the limit sanctioned by Union Bank of India
    Railway transactions fee 1.5% + IRCTC charges
    Foreign currency mark-up fee 3%
    Balance enquiry at a Union Bank of India ATM NIL
    Balance Enquiry at an ATM of another bank Rs.20
    Withdrawal of cash from a Union Bank of India ATM 3% of the withdrawn amount or Rs.200 (whichever is higher)
    Withdrawal of cash from ATMs of other banks 3% of the amount withdrawn or Rs.200 (whichever is higher) + Rs.50
    Service charge on revolving credit facility (If you have paid the Minimum Payment Due (MPD) by the due date) 2.5% per month or 34.49% (Annualised Percentage Rate)
    Service charge on revolving credit facility (If you have not paid the Minimum Payment Due by the due date) 2.95% per month or 41.75% (Annualised Percentage Rate)
    Late payment fee
    Outstanding amount Late payment fee
    Up to Rs.25,000 Rs.200
    Over Rs.25,000 Rs.500

    Eligibility Criteria to Apply for Union Bank VISA Gold Credit Card

    You have to meet the following eligibility criteria to apply for the credit card:

    Income criteria
    • Your minimum income should be Rs.1.8 lakh per annum.
    Age criteria
    • As a professional, your age should be between 18 years and 65 years.
    • If you are a salaried person, you should be between 18 years and 60 years of age.
    • An add-on credit cardholder should be 18 years of age or more.

    Documents Required to Apply for Union Bank VISA Gold Credit Card

    You have to submit these documents to the Union Bank of India when you apply for the credit card:

    • Two colour photos (passport-size)
    • Filled-up credit card application form
    • Documents of address proof
    • ID proof documents
    • PAN card
    • If you run a business, you have to submit Income Tax Returns (ITR) with computation sheets (of the past 2 years).
    • If you work with a company and are salaried, you have to submit Income Tax Returns/ Form 16/latest (ITR), and your latest salary slip.

    FAQs on Union Bank VISA Gold Credit Card

    1. Where do I find the offers available on the Union Bank VISA Gold Credit Card?

      To know more about the offers you can avail with the Union Bank VISA Gold Credit Card, please visit https://www.visa.co.in/en_in/visa-offers-and-perks/

    2. Is an add-on credit card holder also eligible for the personal accidental coverage of Rs.5 lakh?

      No, the personal accidental coverage of Rs.5 lakh is only available for the primary credit cardholder.

    3. If the credit card is taken against a deposit, is there any annual subscription fee I should pay?

      Yes, for the primary credit card, you have to pay Rs.299. For the add-on credit card, the annual subscription is Rs.199.

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