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Cards
Credit Card Overview
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Introduction to Union Bank of India Credit Card

 

Union Bank 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 of India Credit Card

 

  1. No Joining fee and annual/renewal charges other than Signature Card
  2. Attractive reward points and redemption program, no point redemption charges
  3. Attractive spending limit is 20% of the annual gross salary).
  4. Lowest interest rates and maximum free credit period up to 50 days.
  5. Flexi payment option.
  6. Online Bill payment facility through internet banking account.
  7. Full refund of fuel surcharge*.
  8. Secured transactions - SMS alerts on all transactions and 3FA authentication for all domestic online transaction.
  9. EMI Scheme for the period of 3/6/9/12/18/24 months at attractive interest rate
  10. Free Personal Insurance Cover offered to primary as well as add-on card holders for accidental death as mentioned under :

Type of Card

Other than Air Accident

Air Accident

Classic

Rs. 1 Lakh

Rs. 2 Lakh

Silver

Rs. 2 Lakh

Rs. 4 Lakh

Gold

Rs. 5 Lakh

Rs. 8 Lakh

Platinum

Rs. 5 Lakh

Rs. 8 Lakh

Usecure

Rs. 5 Lakh

Rs. 8 Lakh

Signature

Rs  6 Lakh

Rs 10 Lakh

  1. 24-hour hot listing facility and lost card liability restricted to Rs.1,000 from the time of reporting the loss.
  2. Photo Signature Card is issued in Three variants – a) Classic b) Silver c) Gold and these are for Domestic use.
  3. Non Photo card is issued in one Variant i.e EMV Platinum/Signature/Usecure for International Usage
  4. Usecure card is issued against term deposit and issued to those customers who do not have income proof/IT return/Student etc.
  5. Signature Card comes with various benefit like free Airport Lounge access at Domestic /International airport, 4 reward points on Rs 100 spent and higher accidental benifits.

 

* 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

 

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

 

Particulars

Classic/Silver/Gold

Platinum

Usecure

Signature

Annual/Renewal Fee

NIL

NIL

NIL

NIL*

Finance Charges on Roll over Credit

1.90%

1.90%

1.30%

1.90%

Cash Advance Charges for Cash Withdrawal

2.50%

2.50%

2.50%

2.50%

Cash advance on Credit limit

20 % of limit

20 % of limit

20 % of limit

20 % of limit

Cash Advance Charges at ATM

Rs.100

Rs.100

Rs.100

Rs.100

Cash Advance Charges (Overseas)

Rs.125

Rs.125

Rs.125

Rs.125

Late Payment Charges

Rs.200

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

Rs.100 for each occasion

Returned Cheque

Rs.100 per instrument

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

Rs.100 for each occasion

Card Replacement fee

Rs.100

Rs.100

Rs.100

Rs.100

Retrieval of charge slip as levied by Card Schemes

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

Rs.100 or the actual charges whichever is higher

PIN Replacement Fee

Rs.50

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

As applicable from Time to time

* No annual charges for Signature if yearly transaction is greater or equal to Rs 1.00 Lacs otherwise Rs 250/-

 

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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