Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Union Bank of India launched the VISA Signature Credit Card to help you get discounts and cashback offers when you use the credit card. The card comes at an annual fee of Rs.1,999.
Discount and cashback benefits:
Fuel benefits:
Milestone benefits:
Airport and lounge benefits:
Insurance benefits:
| Type of charge | Fee | ||||||
|---|---|---|---|---|---|---|---|
| Joining fee | NIL | ||||||
| Annual fee | Rs.1,999 | ||||||
| Annual fee for add-on credit cards | Rs.999 | ||||||
| Fee to get an add-on credit card | Rs.300 | ||||||
| Roll-over facility fee | 5% | ||||||
| Interest-free period | 21 to 50 days | ||||||
| Cash advance limit | 40% of the limit that has been sanctioned by the bank | ||||||
| Lost card charges | NIL | ||||||
| Replacement of lost credit card | Rs.299 | ||||||
| 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 |
|
The over limit fee is 2.5% of the overlimit amount, subject to a minimum of Rs.250.
If you lose the credit card, you should call the Union Bank credit card customer care. Call 18004251515 (toll-free number) and report the loss of the credit card.
You have to pay Rs.299 to replace your credit card.
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