Union Bank Credit Card Against FD

Union Bank of India offers a range of credit cards, including both secured and unsecured variants, to suit different spending needs. Consumers can choose a card based on their eligibility and preferences, with options such as credit cards against a Fixed Deposit (FD) that have comparatively relaxed eligibility criteria, making them suitable for first-time cardholders or individuals with limited credit history, while still providing benefits like reward points, travel perks, and golf benefits.

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Features and Benefits of Union Bank Credit Cards Against FD

Some of the main features and benefits of Union Bank Credit Card against FD are mentioned below:

Union RuPay Nexteria Credit Card

Joining Fee: Rs. 12,499 + Taxes
Annual Fee: Rs. 12,499 + Taxes

Key Features and Benefits:

Unlimited domestic and international airport lounge visits yearly + 6 guests per quarter
2+1 complimentary nights at ITC premium hotels (excluding Fortune) yearly, except on hotel-defined blackout dates
1+1 set-menu dining at signature ITC restaurants, including Peshawari, Avartana, Kebabs & Kurries, Royal Vega, Dum Pukht, Yi Jing, Pan Asian, and Ottimo Cucina Italiana, yearly
1+1 60-minute spa for resident guests at ITC premium hotels (excluding Fortune), yearly
Benefits across 15 international hotel chains with complimentary breakfast, room upgrade, early check-in, late check-out (subject to availability), up to USD 200 in dining and spa credits, and one-time use of 1,000 and 2,000 hotel lux points (USD 100 & USD 200)
Buy one get one on movie tickets up to Rs. 500, once per month
4 free golf lessons and rounds every year

Union RuPay Nexteria Credit Card comes with a joining and annual fee of Rs. 12,499 + taxes. It offers unlimited airport lounge access in India and internationally, along with guest visits. Cardholders can get complimentary stays at ITC premium hotels every year, along with buy-one-get-one dining and spa benefits. This Union Bank Credit Card is suitable for consumers who travel frequently and spend on hotels, dining, and other lifestyle services.

Other Union Bank Credit Cards Against FD

Given below are some of the best Union Bank credit cards against FD:

Secured Card Names	Annual Fee	Features and Benefits
Union RuPay Unicorn Credit Card	Rs. 2,400 + taxes	8 Domestic and 2 International Lounge visits yearly through Priority Pass
Union JCB Wellness Credit Card	Rs. 999 + taxes	4 reward points on every Rs 100 spent on Dining, Shopping, Groceries, Departmental Stores & Apparel
RuPay Select Credit Card	Rs. 550 + taxes	8 complimentary domestic airport lounge visits every year
RuPay Platinum Credit Card	Rs. 350 + taxes	Up to Rs. 2 Lakh free personal accident insurance coverage in case of loss of life
Union JCB Health Credit Card	Rs. 499 + taxes	2 complimentary domestic airport lounge visits every year
VISA Signature Credit Card	Rs. 1,999 + taxes	1% fuel surcharge waiver, up to Rs. 100 per card per month

Steps to Apply for a Union Bank Credit Card Against FD Online

Some of the common steps to apply for Union Bank Credit Card against FD are mentioned below:

Step 1: Open a Fixed Deposit (FD) with Union Bank. Your Union Bank Credit Card limit against the FD will depend on the FD amount.

Step 2 : Apply for the Union Bank Credit Card against FD online or at your nearest branch.

Step 3: Complete the application with your personal and FD details.

Step 4: Submit KYC documents like ID and address proof.

Step 5 : Once verified, Union Bank will approve your credit card against FD and issue it.

FD-Backed Credit Cards by Banks

SBI FD Credit Card	HDFC Bank FD Credit Card	ICICI Bank FD Credit Card
Axis Bank FD Credit Card	Kotak Mahindra Bank FD Credit Card	IDFC FIRST Bank FD Credit Card
Yes Bank FD Credit Card	SBM Bank FD Credit Card	AU Small Finance Bank FD Credit Card
IndusInd Bank FD Credit Card	RBL Bank FD Credit Card	Federal Bank FD Credit Card
HSBC FD Credit Card	PNB FD Credit Card	Canara Bank FD Credit Card
Union Bank of India FD Credit Card	FD Credit Card	FD Credit Cards with Complimentary Lounge Access

How to Apply for a Credit Card Online?

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

How to Apply for a Credit Card Online?

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

FAQs

What is a Union Bank credit card against FD?

Union Bank credit card against FD is a secured card issued against a fixed deposit, offering easy approval, lower risk, and access to credit for beginners or individuals with limited credit history.

How is the credit limit decided for secured cards?

The credit limit is usually a percentage of your fixed deposit amount, typically ranging from 75% to 90%, depending on bank policies and the specific credit card variant chosen.

Who should apply for a secured credit card?

Secured credit cards are ideal for first-time users, students, or individuals with low or no credit score who want to build or improve their credit profile responsibly.

Are rewards and benefits available on secured cards?

Yes, secured credit cards offer various benefits such as reward points, lounge access, dining offers, and fuel surcharge waivers, depending on the specific card variant selected by the customer.

Can I withdraw my FD after getting the credit card?

No, the fixed deposit remains lien-marked with the bank as collateral. You can withdraw it only after closing the credit card or clearing all outstanding dues completely.

How long does approval take for secured credit cards?

Approval is generally quicker than unsecured cards, often taking a few working days after submitting documents and completing KYC verification, since the FD acts as collateral, reducing risk.