Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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.
Discount and cashback benefits:
Fuel benefits:
Milestone benefits:
Insurance benefits:
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.
| 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| Withdrawal of cash from a Union Bank of India ATM | 3% of the withdrawn amount or Rs.200 (whichever is higher) | ||||||
| Withdrawal of cash from ATMs of other banks | 3% of the amount withdrawn or Rs.200 (whichever is higher) + Rs.50 | ||||||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 |
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You have to meet the following eligibility criteria to apply for the credit card:
| Income criteria |
|
| Age criteria |
|
You have to submit these documents to the Union Bank of India when you apply for the 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/
No, the personal accidental coverage of Rs.5 lakh is only available for the primary credit cardholder.
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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