Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Maintaining a stellar credit score and avoiding high interest rate is easy. One of the most important things you have to do is pay your credit card bills before the due date. To ensure this, Union Bank of India provides an array of channels to help you clear your dues. Whether it's online or offline, you can pay your Union Bank card bills with ease.
You can now clear your Union Bank credit card bill whenever and wherever you want with the various online payment modes. Let's see how you can use these channels:
To use Union BillPay, you will first have to register for the service by filling an application form. You can complete this process online or offline. Here's what you have to do:
Online Registration
Once you've completed all of the above, you can drop them off at one of the collection centres. Alternatively, you can also mail them in the pre-paid business reply envelope provided in the welcome kit.
Offline Registration
With OnlinePay, you can authorise a single payment to your credit card. You'll have to log in to Union Bank internet banking, select the biller the amount has to get debited to, and approve the transaction. You will also receive a unique Transaction ID to confirm your payment.
You can provide standing instructions to Union Bank of India for your bill payments every month. Just follow the aforementioned registration process to get started.
To use AutoPay, you're required to mention certain details like:
You can set upper limits to control the transaction amount. In case your bill is higher than the limit you've set, you will be informed via email. The payment will be successful only once you schedule it.
Another way you can pay your credit card bills is through UnionRewardz, which is Union Bank of India's loyalty programme.
If you prefer clearing your Union Bank card dues offline, here are some channels you can consider:
All you have to do is visit any one of the Union Bank of India branches and inform them that you'd like to pay your credit card bill in cash. You will be asked to furnish information to verify your account and then you can hand over the money. If you're unsure of the process, you can always call the Credit Card Call Centre on 1800 223 222.
Similarly, you can also pay your bills by submitting a cheque at any one of the nearest branches. You will have to address the cheque to your credit card account. For more clarification, you can contact the Credit Card Call Centre on 1800 223 222.
The payment processing time for the various methods of bill payment for Union Bank credit cards are as follows:
| Loan Amount | Interest Rate |
|---|---|
| Standing instructions | Instant credit |
| SWIFT Transfer | 24 to 48 hours |
| E-Pay | Two working days, excluding Saturdays and Sundays |
| NEFT | Instant credit |
| RTGS | Instant credit |
| IMPS | Instant credit |
| ECS/AHS | Credited on payment due date |
| Card payment from other bank websites | Three working days excluding Saturdays and Sundays |
Your Union Bank credit card statement will provide the following information:
The credit card statement will be sent every month to your registered email address or postal address, depending on which mode of communication you have opted for.
It is important to go through the credit card statement in detail and report to the bank if there are any fraudulent transactions or discrepancies in the statement in order to correct or resolve the issue.
No. You don't require a new Union Bank of India account to use this service. You can use your existing Union Bank account that has a 9-digit MICR code. You will, however, need a savings, current, or O/D account with the bank to use this service.
You will not be charged anything for your transactions as this service is free.
Yes. You can get in touch with the Customer Support Centre by sending an email to unionbillpay@billdesk.com. You can also call one of the following numbers:
Through the internet banking portal, you will have to access 'Scheduled Bills'. There's an edit button displayed against the instruction. Click that button to make changes. You can modify your payment amount, the date, and even the bank account the money gets debited from. Once you're done, submit the changes.
Do note that you won't be able to access the instruction once it is sent for processing.
In such a scenario, it's crucial you notify your bank immediately. You can either visit the nearest branch or get in touch with the customer care centre. It's important to verify all the details before you authorise a payment to avoid such errors.
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