Union Bank of India, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, Union Bank of India is a name to reckon in the credit market. The customers can enjoy numerous benefits on tailor-made Union Bank of India. Union Bank of India is one among the oldest and largest public sector banks in India. With its headquarters in Mumbai, the bank has over 4200 branches in the country today providing a wide range of banking products and services to the people.credit cards provided by Union Bank are very popular as they offer attractive features and benefits to their members.
Union Bank Usecure Credit Card is suitable for all your financial needs and luxuries also maximizes your saving transactions. This card is issued to present fixed deposit holders of the bank so that they can enjoy the benefit of cashless transactions. The Benefits include in Usecure Credit card it is a secure EMV Chip-based card, offers and discounts on merchant outlets, air travels, entertainment, and dinings, insurance facilities, fuel surcharge waiver add-on card benefits and many more while accessing the card.
1. Safe and Secure EMV chip-based credit card.
2. Get discounts and offers on travel, entertainment, and lifestyle shopping.
3. Annual charges are not applicable for your Union Bank Usecure Credit Card
4. Air accident in a case of death is given up to Rs.8 lakh
5. Personal Accident insurance coverage in case of death is given up to Rs.5 lakh.
6. Accumulated points can be redeemed for an array of merchandize from the catalogue, gift vouchers and more
7. Union Bank of India Usecure Credit Card can be availed against term deposits
8. Customers without income proof can apply for the card on basis of Term Deposits held with the bank
9. The spending limit on a Union Bank of India Usecure Credit Card is up to 80 percent of the term deposit.
10. Cardholders of Usecure Credit Card can apply for POS terminal facility provided by the bank.
|
Reward type |
Travel, Entertainment, Lifestyle and Dining |
|
Accidental Insurance Coverage |
The bank provides an insurance of Rs.5 Lakhs in case of accidental death and an insurance of Rs.8 Lakhs in case of air accidental death |
|
Rewards points |
|
To apply for a Usecure Credit Card, you have to pay fees and charges applied by the Union Bank of India. It covers all charges and fees made by a bank to their customers.The following charges are taken from Union Bank of India i.e joining fee, annual fee, interest rate, late payments charges etc.
|
TYPE |
CHARGES |
|
Annual/Renewal Fee |
NIL |
|
Finance Charges on Roll over Credit |
1.30% |
|
Cash Advance Charges for Cash Withdrawal |
2.50% |
|
Cash advance on Credit limit |
20 % of limit |
|
Cash Advance Charges at ATM |
Rs.100 |
|
Cash Advance Charges (Overseas) |
Rs.125 |
|
Late Payment Charges |
Rs.200 |
|
Charges for over the Credit limit usage |
Rs.100 for each occasion |
|
Returned Cheque |
Rs.100 per instrument |
|
Limit enhancement fee |
Rs.100 for each occasion |
|
Card Replacement fee |
Rs.100 |
|
Retrieval of charge slip as levied by Card Schemes |
Rs.100 or the actual charges whichever is higher |
|
PIN Replacement Fee |
Rs 150.00 |
|
Green PIN generation at Banks website |
Free |
|
GST |
As applicable from Time to time |
Before applying for a Usecure Credit Card from the Union Bank of india, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.
1. The minimum age limit should be between 18 – 65 years
2. Customers Should have a term deposit ranging from Rs.25,000 to Rs.5,00,000 are eligible to apply for a Credit Card
3. Customers without an income proof can also apply for a Union Bank Usecure Credit Card if they are in need of it.
Any applicant who is applying for a Usecure credit card from the Union Bank of India must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.
1. KYC Documents = PAN, address proof and ID proof
2. Coloured photograph
3. Income Proof = Last 3 month salary slip
4. Last 3 months bank statement
5. ITR or Form 16
Union Bank of India Credit Card Login
Cardholders of Union Bank of India Credit Card can log in to their credit card account through following steps :
1. Click here to go Union Bank online portal by selecting 'Other Services' and then 'View Union Credit Card Bill'
2. Provide your unique User ID and password.
3. Click on the 'Submit' button.
4. You are now logged into your Union Bank Credit Card account.
There are two reason to apply for Union Bank of India Usecure Credit Card :
1. Offline Method : By visiting the nearest branch of Union Bank of India
2. Online Method :
First, you have to visit the Union Bank website
Next, you have to click on digital banking>>cards>> usecure credit cards >> Application form of the credit card take a print out of the form and fill your details.
Submit the application form to one of your nearest Union Bank branches.
They will give you Insta Credit Card & PIN at the time of your application submission.
Union Bank of India Usecure Credit Card Customer Care
Contact number : 1800222244
Email id : customercare@unionbankofindia.com
1. Go to Credit Card Bill Payment Page on Paytm
2. Enter your Credit Card Number.
3. Enter the bill amount.
4. Click on Proceed.
Bank offered Financial Products
Union Bank Usecure Credit Card is suitable for all your financial needs and luxuries also maximizes your saving transactions. This card is issued to present fixed deposit holders of the bank so that they can enjoy the benefit of cashless transactions.
The minimum age is 18 years and maximum age is 65 years to get a Union Bank of India Usecure Credit Card.
The renewal fee of the Union Bank of India Usecure Credit Card is NIL.
The rewards points given in the Usecure Credit Card from Union Bank of India is
For monthly spends of up to Rs.10,000, 1 point is credited to the account
Monthly spends in the range of Rs.10,001 to Rs.30,000 will fetch 1.5 Union Points for the same quantum and spends above Rs.30,000 per month will be rewarded with 2 points.
The interest rate is 1.30% per month provided by Union Bank of India Usecure Credit Cards.
Lifestyle, Dining, Shopping and Entertainment rewards are included in the Union Bank of India Usecure Credit Card.
You can apply for a Union Bank of India Usecure Credit Card through online and offline by visiting the nearest bank branch.
You can contact through customer care toll free number and also through e-mail id for a Union Bank of India Usecure Credit Card.
The joining fee of the Union Bank of India Usecure Credit Card is NIL.
The late payment charges of the Union Bank of India Usecure Credit Card is Rs.200.
Last Updated on : 13/Oct/2020Know More About CREDIT CARDS
You're eligible for a Union Bank Of India Usecure Credit Card if you:
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Your eligibility depends on:
Earn more than minimum income required
Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs
EMIs of other loans loweryour eligibility
Boost your eligibility by:
Pay off your credit card bills
Choose longer tenure loan up to 5 years
Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:
- 1. Photo ID and age proof
- 2. Signed application form with photograph
- 3. Residence proof
- 4. Last 6 months bank statement
- 5. Documentation for salaried applicants:
- Last 3 months salary - slips
- Form 16 or Income Tax Returns
- 6. Documentation for self-employed applicants:
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account