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  • Union Bank Credit Cards

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  • 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:

    Charge Signature Credit Card Gold Card Classic Card Silver Card Usecure Credit Card
    Annual Fee Rs. 250 Nil Nil Nil Nil
    Renewal Fee - Nil Nil Nil Nil
    Add On Cards Yes Yes Yes Yes Yes
    Rate of Interest Per Month - 1.90% 1.90% 1.90% -

    Union Bank of India Rewards:

    Category Signature Credit Card Other Union Bank of India credit cards
    Reward Points 4 Points for every Rs. 100 Spent

    a) A monthly spend of up to Rs. 10,000, gets 1 Union Point for every Rs. 100 spent.

    b) Monthly spends ranging between Rs. 10,001 to Rs. 30,000, gets 1.5 points for every Rs.100 spent.

    c) A monthly spend of above Rs. 30,000, gets 2 Union Points for every Rs. 100 spent.

    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.

      

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    Union Bank Credit Cards Reviews

    • Union Bank of India Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      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 .
      Was this review helpful? 2
      , nagpur
      Reviewed on Jul 04, 2019
    • Union Bank of India
      Union Bank of India Credit Card
      "Average service"
      0.5 3.5/5 "Pretty good"
      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.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 07, 2019
    • Union Bank of India Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 4
      , mumbai
      Reviewed on Mar 05, 2019
    • Union Bank of India Credit Card
      "Online purchased should reflect immediately"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 5
      , visakhapatnam
      Reviewed on Feb 27, 2019
    • Union Bank of India Credit Card
      "Very Nice Card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 6
      , mumbai
      Reviewed on Feb 16, 2019
    • Union Bank of India Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      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.
      Was this review helpful? 3
      , thane
      Reviewed on Jan 27, 2019
    • Union Bank of India Credit Card
      "Best Bank"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 4
      , gurgaon
      Reviewed on Dec 11, 2018
    • Union Bank of India Credit Card
      "Good response for credit card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 2
      , vijayawada
      Reviewed on Dec 07, 2018
    • Union Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 30, 2018
    • Union Bank of India Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      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 .
      Was this review helpful? 5
      , jaipur
      Reviewed on Oct 07, 2018
    • Union Bank of India Credit Card
      "GOOD CARD"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 5
      , mumbai
      Reviewed on Sep 23, 2018
    • Union Bank of India Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      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 .
      Was this review helpful? 3
      , pune
      Reviewed on Sep 03, 2018
    • Union Bank of India Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 4
      , ahmedabad
      Reviewed on Aug 25, 2018
    • Union Bank of India Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jul 14, 2018
    • Union Bank of India Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jun 11, 2018
    • Union Bank of India Credit Card
      "Best Credit Card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 4
      , jaipur
      Reviewed on May 29, 2018
    • Union Bank of India Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 1
      , mumbai
      Reviewed on Apr 14, 2018
    • Union Bank of India Credit Card
      "Average card to use"
      0.5 1.0/5 "Really Bad"
      The credit card service is average with the Union bank of India and I hold the Union bank of India Visa International Signature credit card for more than a year. The credit card service is not up to the mark. This card is not used in all point of sales and the credit limit value is low with this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Mar 31, 2018
    • Union Bank of India Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with UNION BANK which was taken 4 years back. They have offered platinum International card and the credit card was 2 lakhs. The customer service and responses was up to the mark. Its a life time free card and there are no extra charges .
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 24, 2018
    • Union Bank of India Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I dont have any hassle using the UBI VISA CREDIT CARD and I use this card for past 3 years. The customer support service is good with the Union bank of India. I use this UBI VISA CREDIT CARD for shopping, online purchase, for bill payments and for other usages. I am satisfied using the UBI VISA CREDIT CARD.
      Was this review helpful? 2
      , noida
      Reviewed on Mar 19, 2018
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