Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Union Bank Credit Cards is Rated as "Excellent!" by 22 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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:

    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/li>
    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.

    News About Union Bank of India Credit Card

    • Three new credit cards out, Union Bank

      Union Bank of India has brought out three new credit cards in collaboration with Visa aiming the youths and students, young people with high income and small entrepreneurs. There will be need-based business debit cards for businessmen, signature cards for young professionals with high income and USecure credit cards with minimum balance requirement of INR 25,000 for students. The UB business debit card comes with a withdrawal limit of INR five lakhs. It is given for free not only to the business owner but also to partners. This is another aspect of Union Bank’s revolutionary digital resourcefulness which is in harmony with the Digital India Drive.

      17th August 2015

    Union Bank Credit Cards Reviews

    • Union Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Holding the Union bank of India Visa International signature credit card for past 5 years. The customer support is excellent with the Union bank credit card department. I am satisfied with the credit limit. The interest and the charges are average with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 04, 2017
    • Union Bank of India Credit Card
      "GREAT"
      0.5 5.0/5 "Blown Away!"
      The customer service provided by UNION bank OF INDIA is really good as i am using the credit card . The bank gave me a credit limit of 25K on the credit card and cash withdrawal option is also there on that amount . There are no good offers available on the card .
      Was this review helpful? 0
      , alwar
      Reviewed on Dec 01, 2017
    • Union Bank of India Credit Card
      "No hassles overall"
      0.5 5.0/5 "Blown Away!"
      Union Bank of India has offered me a credit card and the bank has provided a good limit. Being an existing customer the services are good but they still could improve more by being more proactive. The charges are normal and it is good to use when ever in need.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 21, 2017
    • Union Bank of India Credit Card
      "Union credit card"
      0.5 3.0/5 "Satisfactory"
      I hold a platinum credit card with Union bank. My current limit is 25000 and i am not satisfied with the limit. I have reward points other than that no other offers.The mobile application with the bank is not that much good.I am ok with the credit card.
      Was this review helpful? 0
      , anuppur
      Reviewed on Nov 20, 2017
    • Union Bank of India Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      There are a lot of good deals on the credit card from Union Bank of India. There are a lot of reward points and the points can be redeemed online for shopping and even at Big Bazaar. The credit limit is of 75K now and I am sure the bank would enhance the limit pretty soon.
      Was this review helpful? 0
      , dhanbad
      Reviewed on Oct 14, 2017
    • Union Bank of India Credit Card
      "GOOD SERVICE"
      0.5 3.0/5 "Satisfactory"
      The service provided by union Bank was very good in the credit card.They don't have much special offers but they do give some offers.They are good in service and the functionality of the card is also good. I have taken this card 1.5 years back and used it for 6 months then closed it because I dint have much to use with card. Credit limit they had offered is 85k
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 09, 2017
    • Union Bank of India Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      Union Bank of India is good in the credit card services as well. They have offered me a card with a decent credit limit. As long as I used the card there has been no hassles and all my transactions goes through with ease. There are no charges and the statements are clear.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 27, 2017
    • Union Bank of India Credit Card
      "Nice service"
      0.5 4.0/5 "Great!"
      I hold free credit card with Union bank. Actually when I availed home loan from them, they offered credit card with free of cost. I do not have any idea about reward points and cash back offers. But I do not have any issues with the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 06, 2017
    • Union Bank of India Credit Card
      "Super card: Union Bank signature Credit card"
      0.5 5.0/5 "Blown Away!"
      Visa signature credit card by UBI is really good. Enjoying a limit of 1 L without any annual fees. (Literally completely FREE). No hidden costs. Further, earning rewards points and using them to recharge and book movie tickets. Also, other benefits like 10L insurance cover, Airport lounge access, etc. U-Control app on mobile to control my credit card features. Thank you Union Bank of India.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 21, 2017
    • Union Bank of India Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      The service provided by union Bank was very good in the credit card.They don't have much special offers but they do give some offers.They are good in service and the functionality of the card is also good. I have taken this card 1.5 years back and used it for 6 months then closed it because I dint have much to use with card. Credit limit they had offered is 85k
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2017
    • Union Bank of India Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      The annual fee on my Union bank of India credit card is five hundred rupees. I have some special offers on my card. Frequently I am getting cash back offers and reward points based on my usage. Also it is very easy to redeem those reward points. To sum up, I am satisfied using this credit card of UNION BANK OF INDIA.
      Was this review helpful? 1
      , nanded
      Reviewed on Apr 21, 2017
    • Union Bank of India Credit Card
      "Best bank to go for"
      0.5 4.0/5 "Great!"
      I do have a credit card of Union Bank of India, I am using it from the last two months of time. Credit limit value is good one with them and the offers are nil with them like I can say its a traditional credit card. Customer service is very good with the Union bank of India.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 25, 2017
    • Union Bank of India Credit Card
      "Best "
      0.5 5.0/5 "Blown Away!"
      I do have the credit card with the Union Bank of India and the response is good with them. Response is good because its my employer and they have provided me with the credit limit as 50000 Rupees. Customer service is good with them.
      Was this review helpful? 3
      , karur
      Reviewed on Apr 07, 2016
    • Union Bank of India Credit Card
      "give a try"
      0.5 5.0/5 "Blown Away!"
      My credit card type is classic I have with the union bank of India. I am using this for 6 months. I get 5-10% discounts in shopping. I am fine with the credit limit offered. And the credit card is free for life time. One thing that is lacking in the bank is marketing.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 23, 2016
    • Union Bank of India Credit Card
      "Acceptable "
      0.5 4.5/5 "Excellent!"
      The service provided by union Bank was very good in the credit card.They don't have much special offers but they do give some offers.They are good in service and the functionality of the card is also good.The acceptation of the card is wide and available everywhere.
      Was this review helpful? 3
      , gurgaon
      Reviewed on Jan 13, 2016
    • Union Bank of India Credit Card
      "Great!!!"
      0.5 4.0/5 "Great!"
      On the platinum credit card usage of UBI bank they give only the rewards points for all the purchase which can redeem into the shopping. I took the card recently only. If we spend more than 15,000 the annul fee is waived off. No emi conversation and cash back offers are given but the credit limit is very good .
      Was this review helpful? 4
      , bangalore
      Reviewed on Dec 16, 2015
    • Union Bank of India Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the union bank of india with the credit limit of 25000 Rupees and it can be extended upto 100000 Rupees . The services are good with the Union bank of india and I am working there. There are no offers with them as such.
      Was this review helpful? 3
      , nellore
      Reviewed on Nov 24, 2015
    • Union Bank of India Credit Card
      "alternative shopping"
      0.5 2.0/5 "Expected more"
      I have the UBI visa planitun credit card which i use as the alternate for the sbi card. They do not have any cash back offers and the reward points are not useful as per customers requirement. There is no annul fee. Customer service response is very delay as we have to wait long time.
      Was this review helpful? 0
      , kakinada
      Reviewed on Nov 19, 2015
    • Union Bank of India Credit Card
      "Shape up or shape out "
      0.5 3.0/5 "Satisfactory"
      I hold a credit card from UBI for the past 1.5 years. They pay back points are very less and we can not redeemed it immediately only after three months we can redeem them.. The card is not more customer friendly . They do not have any offers for online purchases and in case we want to convert any purchase into emi we have to call the bank but the interest rate is high.
      Was this review helpful? 4
      , mumbai
      Reviewed on Oct 23, 2015
    • Union Bank of India Credit Card
      "Excellent.."
      0.5 5.0/5 "Blown Away!"
      Platinum smart card is mine and this credit card of Union Bank of India plays vital role in doing business as I use this credit card while preparing tender for government related works. Just annual charge is of 299 and some service tax is applicable. Credit card service is fine in this bank.
      Was this review helpful? 10
      , jodhpur
      Reviewed on Sep 18, 2015
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