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| Credit Card | Feature | Annual Fee |
|---|---|---|
| Union Bank of India Usecure Credit Card | Issued against a fixed deposit amount, starting from Rs. 25,000 | Nil |
| Union Bank Classic Credit Card | No annual, renewal or joining fee | Nil |
| Union Bank Rupay Credit Cards | Insurance Coverage | Nil |
| Union Bank of India Signature Credit Card | Lounge Access | Rs. 250 |
Note: Union Bank of India Credit Cards are not available on Paisabazaar's Platform. If you wish to apply, you may visit the nearest Union Bank of India branch.
Union Bank of India offers four credit cards including a secured credit card. They offer reward points on purchases, fuel surcharge waiver and more to the card users. The fees and charges are also quite competitive. The details of Union Bank of India credit cards are given below.
It is a secured credit card and is issued against a fixed deposit account. The top features of the card are:
Lifetime Free - No Joining or annual fee is charged.
Secure Usage - Comes with an EMV chip card making it very secure.
Flexible Fixed Deposit Amount - You can get this credit card against a fixed deposit of any amount between Rs. 25,000 and Rs. 5 Lakh.
Insurance Coverage - You will also receive the following complimentary coverage:
The features and benefits of the card are:
Lifetime Free Credit Card - There is no annual, renewal or joining fee on the credit card.
Reward Program - Redeem reward points without paying a 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 - Bank provides 3FA authentication security for all domestic online transactions. Also get SMS alerts for other transactions.
Also Read: Union Bank Gold Credit Card
Union Bank Rupay credit cards come in two variants- Union Bank Rupay Select Credit Card and Union Bank Rupay Platinum Credit Card . The features and benefits are:
Personalisation - Both cards can be personalised by the customer.
Aadhaar Enabled - Both variants are Aadhaar enabled.
Insurance Coverage - Insurance is provided in the following manner:
| Union Bank Rupay Select Credit Card | Union Bank Rupay Platinum Credit Card |
|---|---|
|
|
|
Lounge Access - Get 4 free accesses via Union Bank Rupay Select Credit Card only.
Fuel Surcharge waiver - Get waiver of up to Rs. 75 per card per month.
Cashback Offer - The cash back is given in the following manner:
Annual Fee Waiver - Annual fee of Rs. 250 will be waived off if the previous year's transactions reach Rs. 1 Lakh or more.
Credit Limit - Get up to 20% of the annual income as the credit limit.
Insurance Coverage - Get the following coverage:
Lounge Access - Get 1 free airport lounge access per quarter at both domestic and international airports.
Reward Points - Earn 4 Reward Points for each Rs. 100 spent on the card.
Dining Offers - Get an instant 10% discount on the dining bills at over 1,200 restaurants.
Rental Discount - Get a discount of 5 - 10 % on car rentals outside India.
| Category | Usecure | Classic/Silver/Gold/Signature |
|---|---|---|
| Annual/Renewal Fee | NIL | NIL |
| Finance Charges on Roll over Credit | 1.30% p.m. | 1.90% p.m. |
| Cash Advance Charges for Cash Withdrawal | 2.50% p.m. | 2.50% p.m. |
| Cash Advance Charges at Domestic ATM | Rs. 100 | Rs. 100 |
| Cash Advance Charges (Overseas) | Rs. 125 | Rs. 125 |
| Late Payment Charges | Rs. 200 | Rs. 200 |
| Charges for over the Credit limit usage | Rs. 100 per occasion | Rs. 100 per occasion |
| Returned Cheque | Rs. 100 | Rs. 100 |
| Limit enhancement fee | Rs. 100 per occasion | Rs. 100 per occasion |
| Card Replacement fee | Rs. 100 | Rs. 100 |
| Retrieval of charge slip | Rs. 100 or the actual charges whichever is higher | Rs.100 or the actual charges whichever is higher |
| PIN Replacement Fee | Rs. 150.00 | Rs. 150.00 |
| GST | 18.00% | 18.00% |
Union Bank of India credit card reward points are offered on certain eligible spends. Customers can earn points by using their credit card for making purchases. The rewards points earn rate for all Union Bank credit cards except Visa Signature credit card are shown in the table below:
| Amount | Reward Points Earned per Rs. 100 spent |
|---|---|
| Up to Rs. 10,000 | 1 |
| Rs. 10,001 to Rs. 30,000 | 1.5 |
| Above Rs. 30,000 | 2 |
Union Bank of India Signature credit cardholders earn 4 Reward Points per Rs. 100 spent.
Do note that 4 Reward Point = Re. 1
Once sufficient points have been earned, customers can redeem the points for vouchers, items and more at Union Rewards Website. Click here for more details.
Union Bank of India has set certain criteria that applicants must meet in order to get their credit cards. The criteria can be credit score , age, income, location, and so on. The eligibility criteria for different credit cards may vary. Also, the bank reserves the right to accept or deny a credit card application.
Certain documents need to be submitted by the applicants to prove the information given in the application form. The list of eligible documents is:
Customers can visit the nearest Union Bank of India branch. Ask an official to help with the process which includes filling out an application form and submitting certain documents. The bank will then review the documents and application and upon qualifying dispatch the credit card. The delivery of the credit card may take up to 10 working days.
Also Read: 25 Best Credit Cards in India
The all India toll free number is 1800 22 22 44 or 1800 208 2244. Additional contact details can be found here .
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Step 4: Select your preferred card and complete the digital application
Step 1: Enter your mobile number
Step 2: Enter OTP to verify your mobile number
Step 3: Explore pre-qualified credit card offers from top issuers
Step 4: Select your preferred card and complete the digital application
If you lose your credit card you should immediately call on the bank’s helpline numbers and get the card hotlisted.
Credit card is a revolving credit instrument which means that when the bill is generated, you have the following options. 1. Pay the total amount due 2. Pay the minimum amount due 3. Pay any amount ranging between the minimum amount and the total amount due. If you choose either of the last two options then the unpaid amount is carried forward to the next billing period. This process of payment is known as the revolving credit. The outstanding balance will attract finance charges on a daily basis.
If you already have revolving credit then the interest on the new purchases start from the date of the new purchase made.
In case of any dispute in the transactions made, you are required to submit the dispute form duly filled up and send it to the Credit card division of Union Bank of India. The card division of the bank will get in touch with you as earliest as possible with the status of the transaction.
If you fail to make the payment of the credit card bills then the following charges are levied: 1. Interest calculated on all the purchases from the date of purchase 2. Late payment fees
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