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  • Union Bank Credit Cards is Rated as "Excellent!" by 37 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.

    Union Bank Credit Cards Reviews

    • 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? 0
      , 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? 2
      , 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? 2
      , 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? 0
      , 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? 1
      , 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? 3
      , 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? 2
      , 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? 1
      , 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? 1
      , 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? 0
      , noida
      Reviewed on Mar 19, 2018
    • Union Bank of India Credit Card
      "Good Limit "
      0.5 5.0/5 "Blown Away!"
      They have given me a good limit in the card. Reward points are available. I convert it using it to money in the next billing. I can make purchase using their Visa Platinum card. Discount in movie and Petrol waiver are available. One time I had payment delayed, but they didn't charge. Customer care are good.
      Was this review helpful? 1
      , lucknow
      Reviewed on Mar 02, 2018
    • Union Bank of India Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I use a credit card called Union bank of India visa international signature credit card for past 2 years. The customer support is good with union bank of India , I get better response from Union bank. The credit limit value is pretty good with this Union bank of India visa international signature credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 25, 2018
    • Union Bank of India Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I am very much happy with Union Bank credit card. They are offer more reward points and the redeem option is very easy when compared to my other banks. I am getting a lounge offer which was good. The rate of interest was less half than other cards. It is a Signature Visa Card.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 21, 2017
    • 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? 2
      , 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? 3
      , 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? 1
      , 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? 1
      , 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? 2
      , dhanbad
      Reviewed on Oct 14, 2017
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