Union Bank Gold Credit Card

Offers on Fee – There are no annual, renewal or joining fee.

Accident Cover – Cardholders get the following cover

• Air accident– Rs. 8.00 lakh
• Other than air accident – Rs. 5.00 lakh

Reward Points – Redeem reward points without paying redemption fee.

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

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

Security – Transactions are secured by 3FA authentication process for domestic online transactions. Also, receive SMSs for all transactions.

Attractive EMI Offers – Convert big purchases to EMI of 3/6/9/12/18/24 months at an attractive interest rate.

Refund on Fuel Surcharge – Get waiver on fuel surcharge when using the credit card to pay for fuel.

Union Bank Gold Credit Card
Good For: People who want low cost EMI options Customers who want to earn reward points People who want Insurance	Bad For: Customers who want to earn cashback Customers who want low finance charges Customers who want lots of variety in rewards catalogue

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 are:

• Applicant must be an Indian Citizen
• Applicants who draw a salary should be between 21 and 60 years of age
• Self-employed customers should be between 21 and 65 years old

Additionally, customers will have to submit PAN card / Form-60, Aadhaar card, and other such documents to establish proofs of address, identity and income.

To apply for Union Bank Gold credit card customers will have to visit the nearest Union Bank of India. Once there contact an official who will guide them through the process. Submit the required documents for verification. Upon successful verification the bank will dispatch the credit card.

What is foreign currency mark-up fee?
Whenever a customer shops overseas or at a shop in India which is registered over-seas then foreign currency mark-up fee will be charged. It is like a convenience fee that credit card providers charge customers for shopping or withdrawing cash in a different currency.

What is the annual fee for Union Bank Gold Credit Card?
There is no annual fee charged on this credit card.

What offers and benefits does Union Bank Gold Credit Card offer?
There are many benefits that customers can expect when using the Union Bank Gold credit card these include air accident cover, other accident coverage, reward points and so on.

What is the finance charge on Union Bank Gold Credit Card?
The finance charge on Union Bank Gold Credit Card is 1.90% per month.

Is there a limit enhancement fee on Union Bank Gold Credit Card?
Yes, the fee is Rs. 100.