Union Bank of India offers a range of credit cards with superlative privileges ranging from shopping, dining, ticket bookings, travel, entertainment and much more.
Features and Benefits of Union Bank of India Credit Cards
Interest Free Credit
With Union Bank credit, you get 21 to 50 days of interest free credit period. You can also choose how much amount of the outstanding balance you wish to pay.
Fuel Surcharge reimbursed
On purchasing fuel worth Rs1,100 per month, fuel surcharge will be reimbursed.
Insurance
You get accidental insurance coverage worth Rs.5lakh.
Accepted everywhere
The Union Bank card is accepted almost everywhere, giving you the convenience to shop.
Liability on lost card
Any fraudulent transactions up to Rs.1.5lakh post reporting credit card loss will be covered by the bank.
Offers
Avail exclusive offers on dining, entertainment and shopping with Union Bank credit card.
You can pay credit bills either online or you can visit the nearest branch and make the payment.
Online payment: Login to your internet banking account and pay the dues.
Offline payment: Visit the nearest Union Bank branch and pay the dues in cash/cheque. Do note that outstation cheques will not be accepted by the bank.
Auto-debit: In this facility, you can give standing instructions to the bank where you have maintained a savings account to debit the amount of credit card bills. This will automatically debit money from your savings account and transfer it to your credit card account.
You can call on Union Bank credit card toll-free number at 1800 22 22 44 / 1800 208 2244 for any queries. The bank also has a dedicated support number for NRI customers +918061817110.
Union Bank of India Credit Card FAQs
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.
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.
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
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.
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.
Union Bank of India, JCB and NPCI launch new credit card
Union Bank of India has partnered with National Payments Corporation of India (NPCI) and has launched the Union Bank RuPay Wellness Contactless Credit Card. This was done on the JCB International network. The credit card focuses on the customers’ lifestyle, rejuvenation, fitness, personal care, and health. The Union Bank RuPay Wellness Credit Card allows you to get 15-30 days of free gym membership at select gyms in India. All existing members of the gyms will get a discount of 40%-50% when they renew the membership using the credit card.
21 September 2021
Union Bank of India launched UNI – Carbon Card in partnership with HPCL on the Rupay platform
The UNI – Carbon Card has been introduced by the Union Bank of India and is a co-branded credit card in partnership with HPCL on the Rupay platform. The card was launched for the customers of the Union Bank of India with an aim to make India a cashless economy according to Shri Rajkiran Rai G, Managing Director and CEO of Union Bank of India.
This credit card will be the first of its kind in partnership with HPCL and on the Rupay platform which is the largest card payment network in India.
The UNI – Carbon Card comes with power-packed features across different categories such as cashback, reward points, shopping, entertainment, fuel, and travel.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
I have been using the credit card from Union Bank of India past 5 years but after completion of 1 year usage, i have canceled the card because i was holding other card and they provided limit of Rs. 20,000 is less when i have given the request, they were not ready to increase the same. I went to the branch to give a cancellation request but i have not received NOC letter yet.
Union Bank of India credit card is really good. Their customer service is not up to the mark and they are having third party customer hence the executives are not having a enough knowledge about the product. They provided me a good limit but to operate the card is little bit. When I do some transactions, I need to give pin number or OTP.
I am holding UNION BANK OF INDIA credit card for more than 15 years. This was my first card which was offered from bank directly. It is a life time free card and the credit limit is sufficient of 50K. There is no option for EMI conversion. Customer service is good. I use for shopping and fuel purposes. I use to get points and cash back.
My credit card was taken with UNION BANK. I am using the card for purchasing booking tickets, shopping purpose and so many. The customer service and response was better. They offered me good credit limit and i am happy with services which they offered me . It is life time free card .
I am using the Union BANK Savings account for long time where i am happy with the services, the response from the branch end has been good and their staffs has been responsive. The Internet banking and the mobile banking system with the bank has also been quite convenient. There is no necessity in maintaining a minimum balance with this account as well.
I am using Union Bank of India credit card from last 1 month. There was no annual fee charged for this credit card. I did not face any issues on this credit card so far and i did not find any offers. Credit limit is sufficient in this credit card.
I bought the Union bank Credit card 2.5 years back. They are no offers for this card. I got the limit of Rs. 50000 which is sufficient for me. They have not enhanced my limit as per my knowledge. Its a zero annual fee card. Its easy to make the bill payment through online banking and cash in their branch.
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8
RAMESH VEGI
, visakhapatnam
Reviewed on Feb 27, 2019
I have been using the Union bank of India credit card for more than 5+ years. They provide offers like movie ticket discounts and rewards points. Now they have enhanced my limit upto Rs. 45000. No annual fee deducted in this card. Banking service is fine and the interest rates are very low.
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8
SASANKA SEKHAR SAHOO
, mumbai
Reviewed on Feb 16, 2019
I have been using my saving account with union bank, Their service is good, but their net banking part is bit confusion, like the website have got revised after update the website, Their is no proper information website update is that, like i need to search too much for everything, like if i want to transfer then i need to then search more, there is no straight tab to check, compare to old version it was user friendly , and second part is it take time in adding beneficiary like if i want to add i need to wait till 48 hours to add it, apart from that their service is good, and their is no restriction in keeping balance, they do not charged if i maintain low.
I have been Union Bank of India for my saving account transaction, normally paper less process is good I don't want to the bank for any queries the netbanking technology is absolutely good. I am holding zero balance account in that the phone banking is great.
Recently I have taken the Union bank credit card for the ITR paper, I submit the credit card they done the process. even the processing fee is low. If I use the credit card there is no charges. Bank response is good they provides some offers on the card.
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3
ARAVIND RAJU PALLA
, vijayawada
Reviewed on Dec 07, 2018
I had been holding this card for the last two years and they had providing me with a good service. I have requested for 50,000 credit limit and they had given that limit. The features with the card has been less and i had been using the card for shopping and everything.
My credit card was taken with UNION BANK OF INDIA , the credit limit is 100000 and it is very not satisfactory . They provide EMI facility and rate of interest is nominal with this card .Union bank of india have good features and the service are good with this bank .
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8
BHARAT BHUSHAN PAREEK
, jaipur
Reviewed on Oct 07, 2018
My saving account was taken with UNION BANK few years back, the banking services are very good when compared to other banks. Customer service is very good and their response is fine. Net banking is easy to use in UNION BANK and there are no hidden charges on any transactions.
My credit card was taken with UNION BANK , i like the benefits with the card . I use this card for so many purpose like shopping , traveling , grocery , booking tickets . There is no joining fee at the time of getting the card . They offered good credit limit .
For last 4 years am using Union bank of India credit card . There is no annual charges for the card as its life time free card . Am satisfied with the credit limit which they have provide. Overall am satisfied with their service and response.
My credit card was taken with UBI 1.5 years back. They have offered visa card and the credit limit is 60,000 which is not satisfactory and i was looking for a higher limit here. The customer service and responses was very good. Its a life time free card . The reward points and cash back offers i get for this card but tried to avail it .The interest rate and charges are good.
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6
RAMACHANDRAN SARAVANAN
, kolkata
Reviewed on Jul 14, 2018
I've been using the UNiON BANK Platinum credit card for a while. I use the card mostly for online shopping. There is no option to convert the purchases into EMI's which is why I've applied for another card. Overall the services are good and never had any issues with their card and services.
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5
CHHAYA PRATAP RAO
, mumbai
Reviewed on Jun 11, 2018
Customer care service is very bad. They are very fast in their banking services. Since I'm bank employee, i got the credit card easily from Union Bank of India. I have been using this card for 2 years. There are no offers in this card. It is a life time free card.
I did not find any offers on Union bank credit card, i am using this card from last 7-8 years and the services provided by this card is pretty good. I use net banking for bill payments. I have no issues with the credit limit and this credit card is a lifetime free card.
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5
VICKY VISHWAKARMA
, mumbai
Reviewed on Apr 14, 2018
