Union Bank of India Debit Card: Features & Benefits, Types, How to Apply

To apply for any of the Union Bank of India debit cards, you are required to have a savings or current account with the bank. The eligibility criteria to apply for a debit card is mentioned below:

• Applicant must be an Indian Resident
• You must have either a savings account or current account with the bank

With Union Bank of India debit cards, you can withdraw cash, make purchases, transfer funds and earn benefits on your shopping. However, the benefits are offered as per the variant of the issued debit card. Below mentioned are some of the major features and benefits of debit cards issued by the Union Bank of India:

• The bank offers various benefits such as lounge access, insurance coverage, reward points and much more
• You can make online as well as offline transactions just like your credit cards
• You can easily access the funds you have in your linked account
• You can also avail EMI facility on your Union Bank of India debit cards (if offered)

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Some of the common fees and charges that are applicable to all the debit cards issued by the bank are mentioned in the table below:

Type of Fee/ Charge	Amount
Annual fee (Second year onwards)	Classic – Rs. 200 Platinum – Rs. 300 Visa Signature – Rs. 400 Visa Business Platinum – Rs. 400 RuPay Select – Rs. 400 RuPay Elite Metal Card – Rs. 600 RuPay HNI Emperio Metal Card – Rs. 1299
Card reissuance upon loss / damage	Rs. 100
Generation of physical debit card PIN (Dispatched to branch)	Rs. 50
Currency conversion charges for International financial transaction amount	2.5% of transaction amount
Charges for International financial & non-financial transactions	All International financial transactions: Rs. 125 All International non-financial transactions: Rs. 35

Note: Goods and Services Tax (GST) shall be levied in addition to all the aforementioned fees and charges.

Apart from the above-mentioned restrictions, the bank has also imposed a few limitations on cash withdrawals through Union Bank of India or other bank ATMs. Here are the details:

Particular	Details	Charges Beyond Free Transaction Limit
Union Bank of India ATM	Free transactions: 5	Financial transaction: Rs. 23 Non-financial transaction: Rs. 8
Other bank’s ATM	Free transactions: 3 (Metro centers) Free transactions: 5 (Non-metro centers)

Union Bank of India offers debit card when you open your savings account as a part of your welcome kit. However, if you haven’t received a debit card, then you can apply for it through both online and offline modes. But, you must have a savings or current account with the bank to apply for a debit card, rest of the details are mentioned below:

Online Application Process

You can apply for a debit card online through the official website of the bank. All you need to do is look out for an eligible debit card and apply for that card by submitting a duly filled application form. The bank will then verify your details and issue a debit card as per your eligibility.

Offline Application Process

You can apply for a Union Bank of India Debit Card offline by submitting the application form at the nearest branch of the bank. You can download the application form from the official website and attach all the relevant documents (if required) with it. After submitting the form, the bank will process your request.

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To use your debit card for any online or offline transaction, you are required to activate your debit card. To do so, you are required to create a Green PIN by visiting any of the nearest Union Bank of India ATMs. Below mentioned are the steps to generate the Green PIN:

Step 1: Go to the nearest Union Bank ATM and insert your debit card.

Step 2: Select the ‘Set ATM Green PIN’ option from the language selection screen.

Step 3: Select the ‘Generate OTP’ option and you will receive an OTP on your registered mobile number.

Step 4: Again, insert your card and select the ‘Set ATM Green PIN’ option, and then select ‘Validate OTP’.

Step 5: Enter the OTP received on your registered mobile number.

Step 6: Then, enter the ‘New PIN’ two times to activate your card.

After this, your card will be activated with the new PIN and you will receive a message on your registered mobile number regarding the activation of your card.

Just like Union Bank of India credit cards, you can make online as well as offline transactions via debit cards. Before using a debit card, you must remember that your debit card is directly linked to your bank account and the money will be deducted from your bank account for any transaction. Here is how can use your debit card for transactions:

Using Union Bank of India Debit Card for Offline Transactions

To use your debit card for offline transactions, you are required to swipe your card at the POS machine. After this, you are required to enter the debit card PIN, which you have set to complete the transactions. The PIN authorizes that the transaction is made from the right debit card. After a successful transaction, you will receive a confirmation text on your registered mobile number.

Using Union Bank of India Debit Card for Online Transactions

To use your debit cards for online transactions, you are required to enter the card details, including card number, expiry date and CVV. After this, an OTP will be sent to your registered mobile number for confirmation. You are required to enter the OTP to complete the transaction. Also, like offline transactions, you will receive a confirmation message on your registered mobile number.

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Q. What should I do if I forget my Union Bank of India Debit Card PIN?

If you forget your debit card PIN, then you can reset your PIN by visiting any of the nearest Union Bank of India ATMs. You can also reset your PIN by contacting customer care of the bank and requesting a duplicate PIN.

Q. How can I replace my expired Union Bank of India Debit Card?

Usually, the bank sends a new debit card before the expiry of your current card. However, if you haven’t received a new debit card, then you can visit any of the nearest branches of the bank and ask a representative to issue a new debit card.

Q. Can I apply online for a Union Bank of India Debit Card?

Yes, you can apply online for the debit cards offered by the Union Bank of India. To do so, you can visit the official website of the bank and look out for the required debit card. You can fill out an application form and submit it online along with relevant documents (if required) to apply for a debit card. You can also apply offline by visiting any of the nearest branches of the bank.

Q. How many reward points can I earn using my Union Bank of India Debit Card?

The reward points offered on the Union Bank of India Debit Card vary as per the variant of your card. For an instance, with Union Bank of India RuPay Select Debit Card, you can earn 1 reward point for every Rs. 100 spent. Similarly, you can earn 4 reward points for every Rs. 100 spent via Union Bank of India Signature Contactless Debit Card.

Q. I don’t have an account with the Union Bank of India. Can I apply for a debit card?

No, you cannot apply for a Union Bank of India Debit Card if you do not have an account with the bank. It is must to have a savings or current account with the bank to avail a debit card. This is because your debit card is linked with your bank account and every time you make a purchase, the money gets deducted from your linked bank account.

Q. Can I use my Union Bank of India Debit Card right after receiving it?

No, in order to use your debit card, you are required to activate it. For this, you can visit any of the nearest ATMs of the bank and create your ‘Green PIN’. During the process, you will be asked to enter the OTP sent on your registered mobile number and set your ‘New PIN’ to activate your card.