Union Bank Classic Credit Card

The features and Benefits of the card are:

Offers on Fee – The bank does not charge annual, renewal or joining fee.

Reward Points – Redeem reward points against varied items without having to pay reward redemption fee.

Credit Limit – Get credit limit up to 20% of gross annual income.

Interest Free Credit Period – Get up to 50 days of interest free credit period.

Security – Get 3FA authentication for all domestic online transactions and SMS alerts for all transactions.

Attractive EMI Offers – Get EMI of 3/6/9/12/18/24 months at attractive interest rate.

Refund on Fuel Surcharge – Get refund on fuel surcharge when paying for fuel using the credit card.

Union Bank Classic Credit Card
Good For: People who want EMI options Customers who want high credit limit People who want a fuel surchare waiver	Bad For: Customers who want to earn air miles Customers who want low travel benefits Customers who want many offers on their credit card

Fees/Charges	Amount
Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	Nil
Finance Charges	1.90% per month/22.80% per annum
Cash Advance Charges	2.50% of the amount
Late Payment Fees	Rs.200
Charges on Over Limit Account	Rs. 100 per instance
Payment dishonour Fee	Rs. 100 per instrument
Card Replacement Fee	Rs. 100
GST	18% of the fees and charges

The eligibility criteria for Union Bank Classic Credit Card:

• Salaried applicants must be between the ages of 21 and 60 years
• Self-employed customers should be between 21 and 65 years of age

PAN card, Aadhaar card, Form-60 along with other documents need to be submitted to establish proofs of identity, address and income.

Follow the steps given below to apply for Union Bank classic credit card:

• Visit the nearest Union Bank of India branch and contact the bank official there
• The Bank official will guide the customer through the credit card application process
• Customer will have to establish proof of identity, income and address. For this they will have to submit photocopies of certain documents
• The bank will then verify the details and dispatch the credit card upon successful verification

What is Finance Charge?
Finance Charge is the interest rate charged on the outstanding amount that is carried forward into the next credit card cycle. It is applicable when customer has paid the minimum amount due but not the full due amount.

What is the annual fee for Union Bank Classic Credit Card?
Union Bank of India does not charge an annual fee for their credit cards

What offers and benefits does Union Bank Classic Credit Card offer?
Customers can expect many benefits which include reward points, zero reward point redemption fee and so on.

Who can avail Union Bank Classic Credit Card?
Citizens of India who are between the ages of 21 and 65 years and have a regular source of income may apply for this credit card.

Is there a PIN replacement fee on Union Bank Classic Credit Card?
Yes, the fees is Rs. 150.