Union Bank Credit Cards

Union Bank of India offers a range of credit cards with superlative privileges ranging from shopping, dining, ticket bookings, travel, entertainment and much more. Union Bank of India credit cards are offered in multiple variants like Gold, Classic and Silver. Customers can opt for a credit card with a photo or without, and Union Bank will customise cards according to their requirements. Union Bank International Visa credit cards have the flexibility of being used at any merchant outlet across the globe. Customers can also make cash withdrawals at ATMs, worldwide. A unique facility available with all Union Bank of India credit cards is, “Union InstaCash”, through which customers can make cash withdrawals for up to Rs.1000 at select merchant outlets.

Why Choose a Union Bank of India Credit Card?

A Union Bank of India credit card comes with unmatchable features and privileges and can be used at international merchant outlets. Customers also have the option of choosing a Photo Signature VISA Card or a Non-Photo VISA card as per their requirements. For domestic usage, the Photo Signature VISA Card is available in three variants, Classic, Gold and Silver.

Features and Benefits of Union Bank of India Credit Cards:

1. Annual fees:

   Customers do not have to pay any annual fees for a Union Bank of India credit card. Only holders of the Signature credit card have to bear an annual fee of Rs. 250, which will also be waived off if the credit card spend is over Rs. 1 lakh.

2. Lifestyle privileges:

   Union Bank of India credit cards offer exceptional lifestyle privileges inclusive of discounts on dining bills, car rental offers, entertainment benefits, travel privileges and an excellent rewards program.

3. Add-on cards:

   Union Bank of India primary card holders also have the option of availing add-on cards for their family members.

4. Union Rewardz:
• Union Bank of India offers an exciting loyalty program, “Union Rewardz” to credit card holders, through which rewards points can be accrued by making PoS transactions and on e-commerce outlets. Redemption can be done for gift vouchers, merchandise, travel tickets, etc. Union Bank of India automatically enrolls a new card member into the Union Rewardz loyalty program. Customers can earn rewards points with a minimum spend of Rs. 100. Redemptions can be done, when a minimum of 100 rewards points has been amassed.
• Union points can be earned based on the customer’s monthly spend on a Union Bank of India credit card. The rewards points’ structure is as follows -
• If the monthly spend is up to Rs. 10,000, then 1 Union Point can be earned with every Rs. 100 spent.
• If the monthly spend ranges between Rs. 10,001 to Rs. 30,000, then points can be earned at the rate of 1.5 points for every Rs.100 spent.
• If the monthly spend is above Rs. 30,000, then 2 Union Points can be earned with every Rs. 100 spent.
5. Insurance:

   Depending on the type of credit card chosen, Union Bank of India offers personal accidental death insurance and air accident insurance to customers. The amount insured again varies with the type of card chosen.

6. Fuel Surcharge Waiver:

   Union Bank customers can enjoy surcharge waivers on fuel transactions for purchase amounts ranging between Rs. 400 and Rs. 4000.

7. EMI plans:

   Customers can easily convert their high-value purchases into monthly installments and repay back in tenures of 3,6,9,23,24 or 28 months.

8. 24/7 Hotlisting Facility:

   Credit cards that are lost or stolen can be hot listed or blocked by contacting the 24/7 helpline available from Union Bank of India.

9. Interest Free Period:

   Union Bank of India offers an interest free credit period to up to 50 days to all credit card holders.

Union Bank of India Charges and Interest:

Union Bank of India Rewards:

Union Bank of India Credit Card Eligibility:

• The stipulated income criteria has to be met by Visa International Credit Card applicants.
• Signature credit cards can be procured if the applicant has a minimum income of Rs. 5 lakhs per annum.
• Usecure credit cards can be availed by customers holding a term deposit for any value ranging from Rs 25,000 to Rs 5, 00,000.

Union Bank of India Credit Cards - Documents required:

Salaried Employees and Self-employed Professionals:

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

List of Union Bank of India Credit Cards:

1. Union Bank VISA International Credit Card / Union Bank of India Signature Credit Card:

   As an international credit card, this card is available as a Photo Signature VISA Card and a Non Photo VISA card, which is the EMV Platinum International card. Packed with exceptional features and benefits, the Photo Signature card also comes in three variants namely - Gold, Classic and Silver.

2. Union Bank of India Usecure Credit Card:

   The Usecure credit card can be taken against a Union Bank of India fixed deposit with amounts ranging between Rs 25,000 to Rs 5, 00,000. Applicants who do not have any income proof can easily avail this credit card, by using their fixed deposits. The Usecure credit card offers excellent dining, entertainment and travel privileges to customers.

Union Bank of India Credit Card FAQs:

1. How is the credit limit determined for a Union Bank of India credit card?

   The credit limit is decided based on the card holder’s income and also the source of the income, at the time of application.

2. Do add-on cards come with a separate credit limit?

   No, add-on cards offered by Union Bank of India share the primary credit card’s assigned limit.

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

   Customers can use the following methods to make payments towards their outstanding credit card bills:

   • Union Bank Credit Card Bill Pay - Internet Banking
   • Auto Debit
   • At Union Bank of India branches
4. What are the charges that are levied when no payment is done towards an outstanding credit card bill?

   The following charges are imposed by Union Bank -

   • Late payment fees
   • Interest - This is calculated from the purchase date for all transactions.
5. What are the charges that are levied when partial payments are done towards outstanding credit card bills?

   The following charges are levied by Union Bank of India when a partial payment or the minimum amount due is paid -

   Interest - This is calculated from the purchase date for all card transactions.

   *Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.