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UNION BANK OF INDIA CREDIT CARDS

UNION BANK OF INDIA CREDIT CARDS

Union Bank of India provides a wide range of credit cards giving exciting offers and benefits in shopping, travel, dining, ticket booking, entertainment and much more.

Union Bank Credit Card offers you a hassle free and secured shopping experience at various outlets and websites around the globe. The card can also be used for cash withdrawals at ATM centres.

We have the list of top 5 Union Bank of India Credit Cards to help you compare among the cards and choose the right card for you.

Top Union Bank of India Credit Cards in India 2021

CARD VARIANT ANNUAL FEE
Signature Credit Card Rs. 250
Gold Card Rs. 0
Classic Card Rs. 0
Silver Card Rs. 0
Unsecure Credit Card Rs. 0

Why Choose an Union Bank of India Credit Card?

The Union Bank of India Credit Cards comes with unmatchable benefits and offers that can be used at international merchant outlets. It also provides an option to the customers of choosing a photo signature VISA Card or non photo VISA Card.

For Domestic Usage, the photo signature VISA Card is available in three variants, Classic, Gold, and Silver.

Some more features of Union Bank of India Credit Cards:

  • Annual Fee : Customers don’t have to pay the annual fees for a Union Bank Credit Card. Only Signature Credit Card Holders need to pay the annual fees of Rs. 250(Waived if annual expenditure is more than Rs. 1 Lakh).
  • Lifestyle Privileges: Union Bank of India Credit Cards provides lifestyle privileges by giving discounts on dining bills, car rental services, entertainment & travel privileges, and much more.
  • EMI Plans: With Union Bank of India Credit Cards, customers can easily convert their heavy purchases into easy monthly installments and can repay the amount in tenures of 3,6, 9, 23, 24, or 28 months.
  • Supplementary cards: Union Bank of India Credit Cards give add on cards for your family members.

Union Bank of India Credit Card Feature & Benefits

1. Union Bank Signature Credit Card

Union Bank Signature Credit CardKey Highlights: Union Bank of India Signature Credit Card comes with exceptional offers and benefits such as EMV Chip protection, annual fee waivers, insurance cover, lounge access and much more. It provides you a hassle-free shopping experience across the globe
Joining Fees Rs. 250
Renewal Fees Rs. 250(Waived if annual expenditure is more than Rs. 1 Lakh)
Joining Bonus NIL
Features & Benefits
  • Earn 4 Union Points for every Rs. 100 spent.
  • Enjoy free airport lounge access at Domestic/International airport – once each quarter
  • Get a 10% discount on dining over 1200 restaurants.
  • Avail 5 to 10% discount on overseas car rental

2.Union Bank Unsecured Card

Key Highlights: Unsecured Credit Card of Union Bank of India is provided to those customer maintaining term Deposits with Union Bank of India.
Joining Fees Rs. 0
Renewal Fees Rs. 0
Joining Bonus NIL
Features & Benefits
  • 1 Point is credited to the account for monthly spends upto Rs. 10,000.
  • Earn 2,000 Reward Points every year during the time of paying your annual fees.
  • Get Exclusive offers from Visa on travel, entertainment and dining.
  • Get Accidental Death insurance of Rs.5.00 lakhs along with Air Accidental Death insurance cover of Rs.8.00 lakhs.

Eligibility to Apply for Union Bank of India Credit Card

CRITERIA DETAILS
Minimum Age 21 Years
Maximum Age 65 Years
Employment Salaried or Self Employed
Nationality Indian
  1. Signature Credit Card can be availed if the minimum income of the applicant is Rs. 5 Lakh per annum.
  2. Unsecure Credit Card can be availed by customers holding a term deposit for any value ranging from Rs 25,000 to Rs 5, 00,000.

Document Required to get Union Bank Credit Card

ID Proof
  • Passport
  • Driver’s License
  • PAN Card
  • Aadhar Card
  • Voter’s ID
Residential Proof
  • Passport
  • Driver’s License
  • PAN Card
  • Aadhar Card
  • Voter’s ID
Income Proof
  • Pay slip / Salary Certificate / Form 16 / Income Tax returns (Salaried)
  • Income Tax returns / Form 16(Self-Employed)

How to Apply for Union Bank of India Credit Card?

You can apply for the Union Bank Credit Card directly by visiting the Union Bank of India Website or you can also apply for the credit card on Bank Sathi to enjoy additional benefits and then following the steps:

  • Click on the credit card tab on the homepage.
  • Enter Net Banking Customer ID and Mobile Number.
  • You can directly apply online for a Credit Card.

How to Check Union Bank of India Credit Card Status?

You can check the status of your Union Bank of India Credit Card online by following these steps:

  • Visit the official website of Union Bank of India and go to the Credit Card Section.
  • Enter the mobile number.(Same as put in the credit card application)
  • The Mobile Number will be verified by an OTP.
  • Following this, you can check your application status.

Factors that determine Union Bank of India Credit Card Limit

Many factors determine the Credit limit on a Union Bank of India Credit Card.

  • Applicant’s Income.
  • Applicant’s Age.
  • Any Loans & Liabilities attached to the applicant.
  • Applicant’s repayment capacity.
  • Applicant’s Credit History.
  • Applicant’s Credit Score.
  • Type of Credit Card issued.

The Credit Card limit of First-Time users is usually low as the bank does not have any prior record of how you manage your credit. Then overtime, based on your management of this limit, the card limit can be increased by the bank.

How to Make Union Bank of India Credit Card Bill Payment

  1. NET BANKING: Make payment towards your credit card dues using Union Bank of India net banking facility via direct debit from your Union Bank of India  Savings/Current account.
  2. NEFT: Pay your Union Bank of India Credit Card dues via NEFT(Nation Electronic Funds Transfer). It is a convenient payment option that lets you use any bank to pay the Union Bank of India Credit Card dues.
  3. Cash Payment: Walk into any Union Bank of India branch and pay the credit card dues, by mentioning card number, amount and the contact number

Union Bank of India Credit Card Customer Care Number

Toll Free number : 1800 22 22 44 / 1800 208 2244 

FAQs on Union Bank of India Credit Cards

1. What is Union Bank of India Credit Card Annual Fee?

The Annual Fees from Union Bank of India Credit Cards varies from Rs. 0 to Rs. 250(Waived if annual expenditure is more than Rs. 1 Lakh) depending on the category/variant of card selected.

2. What is the Minimum Salary Required to apply for Union Bank Credit Cards?

  • The Minimum Annual Salary of the Applicant must be more than ₹5 Lacs to apply for this Union Bank of India Credit Card.
  • Unsecure Credit Card can be availed by customers holding a term deposit for any value ranging from Rs 25,000 to Rs 5, 00,000.

3. How do I activate my Union Bank credit card?

To activate your Union Bank Credit Card please contact the 24 hour contact center on 011 5800 800 or log in to Union Bank internet or mobile banking and follow the activation steps provided.

4. How can I get Union Bank credit card statement?

  • Log on to the net banking portal with your credentials via the following link.
  • From the menu, select the Credit Card Section.
  • You will find an extensive list of all the credit cards with your name.
  • Click on the card you want to know your balance or Statement for.