Union Bank of India Credit Card: Eligibility, Features & Benefits

Union Bank of India provides a range of credit card options to cater to the diverse needs of its customers. These credit cards come with various features and benefits, making them suitable for different individuals and businesses.

The Union Bank Credit Card offers the convenience of making purchases both online and offline, along with flexible repayment options.

The Union Bank Platinum Credit Card enhances these benefits by offering rewards for every purchase and dining discounts. For corporate clients, the Union Bank Corporate Credit Card is tailored to meet business needs, including expense management and customized credit limits.

The Usecure Credit Card is designed with enhanced security features, allowing cardholders to set daily usage limits, making it a secure option for online transactions.

Terms, eligibility criteria, fees, and benefits associated with these cards may vary, so careful review of the details is essential before applying.

Union Bank of India Credit Card 2024

Choosing the best Union Bank Credit Card for your needs involves considering various factors. To make the right choice, start by assessing your spending habits and financial goals.

If you primarily use your card for everyday expenses, the standard Union Bank Credit Card may be suitable, offering flexibility in payments and purchase options.

If you seek additional benefits, like rewards and dining discounts, the Union Bank Platinum Credit Card could be a better fit.

For businesses, the Union Bank Corporate Credit Card may be ideal, with features tailored for corporate needs. Security-conscious individuals may prefer the Usecure Credit Card, offering enhanced safety for online transactions.

 It’s essential to review the terms, fees, and eligibility criteria for each card, as well as your own requirements, to make an informed decision. You may also want to consider any special promotions or offers available at the time of application.

Credit CardJoining FeeAnnual Fee
Union Bank RuPay Select Credit CardNILRs. 499
Union Bank RuPay Platinum Credit CardNILRs. 299
Union Bank VISA Gold Credit CardNILRs. 299
Union Bank VISA Platinum Credit CardNILRs. 399
Union Bank VISA Signature Credit CardNILRs. 1,999
UNI Carbon Credit CardVariesVaries

Features & Benefits

Union Bank of India credit cards offer an array of features and benefits. Cardholders enjoy an interest-free credit period ranging from 21 to 50 days, allowing flexibility in balance payments.

Moreover, for fuel-savvy users, the bank reimburses the surcharge on monthly fuel purchases of Rs. 1,100. Accidental insurance coverage provides financial security, with coverage varying based on the card type, such as up to Rs. 30 lakh for the Visa Signature Credit Card.

Union Bank credit cards are widely accepted, making shopping convenient, and they come with EMI facility options. Exclusive offers on dining, entertainment, and shopping add extra value to card usage.

  • PROS

  • CONS

  • Competitive interest-free credit period.
  • Fuel surcharge reimbursement.
  • Accidental insurance coverage.
  • Wide acceptance, providing shopping convenience.
  • Liability coverage for lost or stolen cards.
  • Exclusive offers on dining, entertainment, and shopping.
  • EMI facility available for certain cards.
  • Annual fees and other charges may apply.
  • Benefits and coverage levels vary by card type.
  • Eligibility criteria must be met.
  • Additional documentation required.
  • Specific terms and conditions may apply to individual cards.

Fees & Charges

Credit CardAnnual FeeInterest-Free Credit PeriodAccidental Insurance CoverageEMI Facility
Union Bank RuPay Platinum Credit CardRs. 29921 to 50 daysUp to Rs. 2 lakhAvailable
Union Bank RuPay Select Credit CardRs. 49921 to 50 daysUp to Rs. 10 lakhNot Available
Union Bank Visa Gold Credit CardRs. 29921 to 50 daysLess than Rs. 1.5 lakhAvailable
Union Bank Visa Platinum Credit CardRs. 39921 to 50 daysUp to Rs. 10 lakhAvailable
Union Bank Visa Signature Credit CardRs. 199921 to 50 daysUp to Rs. 30 lakhNot Available
Uni Carbon Credit CardRs. 49921 to 50 daysUp to Rs. 10 lakhAvailable

Eligibility Criteria

  • Minimum age of 18 years.
  • Indian citizenship or NRI status.
  • Satisfactory credit history.
  • Adequate income and repayment capacity.
  • Specific income and age requirements may vary based on the card type.
  • Meeting the bank’s internal credit policies and criteria.

Documents Required

  • Completed credit card application form.
  • Identity proof (e.g., Aadhar card, passport, PAN card).
  • Address proof (e.g., utility bill, rental agreement).
  • Proof of income (e.g., salary slips, IT returns, bank statements).
  • Passport-sized photographs.
  • Additional documents as per the bank’s specific requirements or policies.
  • For NRIs, proof of NRI status and overseas address proof.

How to Apply Union Bank of India Credit Card Online

  1. Visit the Union Bank of India website.
  2. Choose the specific credit card you want to apply for.
  3. Click on the “Apply Now” or “Apply Online” button.
  4. Fill out the online application form with your personal and financial details.
  5. Submit the required documents, which may include proof of identity, address, and income.
  6. Review the application and confirm the accuracy of the information.
  7. Once your application is processed and approved, the bank will issue your credit card.

Other Bank Credit Cards

Union Bank of India is a big bank in India. It started a long time ago, in 1919. Back then, it was called the “Union Bank of Calcutta.” Later, it changed its name to “Union Bank of India” in 1921.

The bank has grown a lot over the years. It has many branches all over India, making it easier for people to do banking. They offer services like saving accounts, loans, and more to help people with their money.

Union Bank of India has a long history of helping people with their banking needs, and it continues to do so today.

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