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Personal  Cards  Credit Cards  Overview
Link To: Union Million
Credit Card Overview
FeaturesForms & DocumentsFAQs
Introduction to Union Bank VISA International Credit Card
 
Union Bank VISA International Credit Card offers you a hassle free and secured shopping experience at an assortment of outlets and websites around the globe. The card can also be used for cash withdrawals at ATM centres.
 
FEATURES of Union Bank VISA International Credit Card
 
  1. Photo Signature VISA Card is issued in three variants.
  2. There is no joining fee and annual/renewal charges.
  3. Attractive spending limit is 20% of the annual gross salary).
  4. Lowest interest rates and free credit period up to 50 days.
  5. Flexi payment option.
  6. Online Bill payment facility through internet banking account.
  7. Attractive reward points and redemption program.
  8. Full refund of fuel surcharge*.
  9. Secured transactions - SMS alerts on all transactions and VbV registration for online transactions.
  10. Free Personal Insurance Cover offered to primary as well as add-on card holders for accidental death as mentioned under :

    Type of CardOther than Air AccidentAir Accident
    Classic Rs. 1 Lakh Rs. 2 Lakh
    Silver Rs. 2 Lakh Rs. 4 Lakh
    Gold Rs. 5 Lakh Rs. 8 Lakh

  11. 24-hour hot listing facility and lost card liability restricted to Rs.1,000 from the time of reporting the loss.
 
* Surcharge waived for fuel purchases made for Rs.400 – Rs.4000 per billing cycle subjected to minimum purchase of Rs.400 on each occasion.
 
HOW TO APPLY
Please find the nearest branch with the list of documents as listed here and apply for credit card
 
For Retail Customers
Salaried Self Employed
Address Proof   Address Proof
Copy of PAN Card   Copy of PAN Card
Income Proof (Salary Slip / Salary certificate/ Form 16 / Latest IT return)   Income Proof (Form 16A / Latest IT return)
 
Customers can also obtain credit card against Fixed Deposit in case of non availability of income proof.
 
Corporate :
 
  • Corporate card Application (Link to the form) duly signed by the authorized signatory of the company.
  • Board resolution for issuance of cards to its executives as named in the resolution and who can incur the expenses on behalf of the company to be charged to the company’s account.
  • Individual application from the executives in whose names the cards are to be issued
Yes, you can register with any of your Union Bank Credit Cards starting with BINs 439155, 439154 and 462963 (first six digits of the cards).
 
NOTE:
 
  1. This card is issued only to Union Bank account holders with satisfactory income levels.
  2. Providing mobile number and email ID is essential.
 
CHARGES AND FEES
 
ParticularsClassicSilverGold
Annual/Renewal Fee NIL NIL NIL
Finance Charges on Roll over Credit 1.90% 1.90% 1.90%
Cash Advance Charges for Cash Withdrawal 2.50% 2.50% 2.50%
Cash advance on Credit limit 20 % of limit 20 % of limit 20 % of limit
Cash Advance Charges at ATM Rs.100 Rs.100 Rs.100
Cash Advance Charges (Overseas) Rs.125 Rs.125 Rs.125
Late Payment Charges Rs.200 Rs.200 Rs.200
Charges for over the Credit limit usage Rs.100 for each occasion Rs.100 for each occasion Rs.100 for each occasion
Returned Cheque Rs.100 per instrument Rs.100 per instrument Rs.100 per instrument
Limit enhancement fee Rs.100 for each occasion Rs.100 for each occasion Rs.100 for each occasion
Card Replacement fee Rs.100 Rs.100 Rs.100
Retrieval of charge slip as levied by VISA Rs.100 or the actual charges whichever is higher Rs.100 or the actual charges whichever is higher Rs.100 or the actual charges whichever is higher
PIN Replacement Fee Rs.50 Rs.50 Rs.50
Service Tax As applicable from Time to time As applicable from Time to time As applicable from Time to time
 
CONTACT NUMBERS
 
If you have any queries or complaints, feel free to contact on the following numbers:
 
  • Credit Card Call Centre1800 22 32 22 (toll free) or 022-40426008 (charged)
  • Our general Call Centre (numbers on top of this page)

 

 

I am a contractor and maintain Current Account with your Branch since the Branch was opened.
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