Debit Card Charges

What is a Debit Card?

Debit Card is an instrument that can be used to:

Avail banking services such as cash withdrawal, balance enquiry, Value added services viz. Fund transfer, Mobile recharge, tax payment etc., from ATMs round the clock.
Make payments to merchants though POS terminals and through online mode.
Debit cards are accepted at all the ATMs and merchant establishments across the globe displaying VISA/MasterCard/RuPay logo. Debit Cards can also be issued for domestic transactions alone. Debit Cards are issued only to Bank account holders. With increasing technology adoption Debit Cards can be used for many other purposes like access card, customer validation etc.

Features of Union Bank Debit Card:

Green PIN Facility (No PIN mailer is required).
Multiple account access – Customer can access up to three accounts linked to a single cards.
Add-on cards are issued in case of Joint Accounts.
Secure online transactions are available through Usecure registration.
Cash withdrawals are possible at specified merchant locations.
Free Insurance is available against accidental death.
24X7 access to Call Centre to hotlist the debit card.
Customer can also hotlist their debit card through SMS, Mobile Banking and Internet Banking facility.
Annual charges are waived in BSBDA/BSBDS accounts and also in accounts where the account holder does 40 POS/E-comm transactions in previous year.
For other Saving accounts, all the transactions done at other Bank ATMs will be charged.

How To Apply:

Union Bank of India issues Debit Card as part of ready the kit at the time of account opening and the cards get activated after its first use for withdrawal at ATM.
Existing account holders without Debit Cards can download and fill the form and submit it at the nearest branch to get a Debit Card.
Customer can contact the nearest branch for add-on card or linking additional accounts to the Debit card.
Online debit card application facility is provided in Bank’s corporate website for the customers who does not have active card.

Service Charges (with effect from 01.04.2020)
Charges for 1st year of usage	Nil
Charges for subsequent year to be charges annually from the date of card issuance.	For other than waived accounts as above. Classic – Rs. 125 + GST Platinum – Rs. 150 + GST Signature – Rs. 200 + GST Business – Rs. 200 + GST
Card Reissuance upon loss / damage etc	Rs. 100 + GST
Generation of physical debit card PIN despatched to branch.	Rs. 50 + GST
Cash withdrawal at other Bank’s ATM	Beyond free transactions as above. Financial Transaction- Rs. 20/- + GST Non Financial Transaction- Rs. 8/- + GST All International financial transactions: Rs. 125 + GST All International non financial transactions: Rs. 35 + GST
Currency conversion charges for International financial transaction amount.	2.5 % of transaction amount

Steps for creating Green PIN:

Go to our bank’s ATM, insert your card and select SET ATM GREENPIN option in language selection screen.
Select GENERATE OTP option, you will get the OTP on registered mobile number.
Again insert your card and select SET ATM GREENPIN option, and then select VALIDATE OTP.
Enter OTP which has been received on your registered mobile number.
Enter NEW PIN two times.
This is your new ATM PIN.

For any queries or complaints please contact our 24X7 Call Centre:

1800222244
18002082244

Issuance of VISA and Master Card:

Account Tier Classification	CARD VARIANT
Account Tier Classification	Classic	Platinum	Business Platinum	Signature
Average quarterly Balance / Account Balance	Nil	AQB of Rs.5000 and above or balance of Rs.15000 at the time of issuance of the card	AQB of Rs1,00,000/- or Balance of Rs.50,000 at the time of issuance of the card	AQB of Rs1,00,000/- or Balance of Rs.40,000 at the time of issuance of the card
Daily withdrawal limit –ATM	25000/-	75000/-	1,00,000/-	1,00,000/-
Daily shopping limit-PoS	50000/-	150000/-	3,00,000/-	3,00,000/-
Total Daily limit	75000/-	225000/-	4,00,000/-	4,00,000/-

Issuance of Rupay Cards:

Account Tier Classification	Card Variant
Account Tier Classification	Classic	Platinum
Average quarterly Balance	Less than Rs. 3000/-	Rs.3000 & above
Daily withdrawal limit –ATM	25,000/-	40,000/-
Daily shopping limit-PoS	25,000/-	60,000/-
Total Daily limit	50,000/-	1,00,000/-

Other benefits of Platinum Debit Card given by VISA, Rupay & Master to card holders:

a) Lounge access program

Lounge access program allows 2 complimentary accesses per quarter to Rupay Platinum cardholders. For more details, kindly visit https://www.rupay.co.in/rupay-offers.

b) Visa Commercial Offers:

Kindly visit VISA commercial site – www.visa.co.in

c) Master Commercial Offers:

Kindly visit Master Card commercial site – www.mastercard.co.in

Disclaimer:

Customers are advised that any person resident in India collecting and effecting/remitting payments directly/indirectly outside India in any form towards overseas foreign exchange trading through electronic/internet trading portals would make himself/herself/themselves liable to be proceed against with for contravention of Foreign Exchange Management Act (FEMA), 1999 besides being liable for violation for regulations relating to Know Your Customer (KYC) norms/Anti Money Laundering (AML) standards. If the customer attempts to do such transaction, the bank will immediately block/cancel the card and close the account without any further notice. The names of defaulting customers will be reported to Reserve Bank of India.

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Debit Card Charges

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