Union Bank of India Credit Card

Union Bank of India Credit Cards offer a diverse range of financial solutions tailored to meet the evolving needs of customers. With a variety of card options, Union Bank ensures that individuals from different walks of life can access credit facilities aligned with their preferences. These credit cards provide features such as cashback, rewards, travel benefits, and exclusive discounts, making them versatile tools for managing expenses and enhancing lifestyle experiences. Union Bank of India prioritizes customer convenience by offering easy application processes, efficient customer service, and secure transactions. Whether it’s shopping, travel, or day-to-day spending, Union Bank’s credit cards cater to a spectrum of financial requirements, helping customers to make the most of their financial resources.

Features and Benefits of Union Bank of India Credit Card

Widely Accepted: You can use these cards at VISA, MasterCard, and Rupay-affiliated places.
Approval and Limit: The bank decides whether to give you a card and how much credit you get.
Add-On Cards: You can get up to 3 extra cards for family members.
Cash Advance: Get cash from 20% to 40% of your card limit, within a daily limit of Rs 20,000.
Global Use: All card variants work worldwide.
Minimum Payment Due: You need to pay at least 5% of your bill.
No Interest: No interest on fresh purchases with a free credit period of 21 to 50 days.
Low Subscription: Second-year onwards, the annual fee is low.
Lost Card Insurance: There’s free insurance if your card is lost.
Alerts and Bills: You’ll get SMS alerts and monthly bills by email.
Insurance Option: You can get accident insurance at a small cost.

Charges:

On-Time Payment: If you pay the Minimum Payment due by the due date, the interest is 2.5% per month on the remaining unpaid balance.
Late Payment: If you miss the due date for the Minimum Payment, the interest increases to 2.95% per month.

Eligibility Criteria

Age : 18 – 65 years
Income: Minimum Annual Proven Income of Rs 1.80 lakhs.

Documents Required

To apply for a Union Bank of India Credit Card, applicants need to provide the following documents:

Identity Proof: Passport, PAN Card, Ration Card, Aadhaar card, Voter’s ID card, Driving license.
Address Proof: Passport, Telephone bill, Electricity bill, Voter ID card, Ration card, Aadhaar card.

You can get a card with a deposit without showing income proof.

How To Apply for Union Bank of India Credit Card?

  1. Go to the official Union Bank of India website (www.unionbankofindia.co.in).
  2. Look for the “Credit Cards” section on the website’s main menu. Click on it to access information about the available credit card options.
  3. Explore the different credit card options offered by Union Bank of India. Each card may have specific features, benefits, and eligibility criteria.
  4. Select the credit card that best suits your needs and lifestyle. Consider factors such as rewards, cashback, interest rates, and annual fees.
  5. Fill out the online application form with accurate and complete information. Provide your personal details, contact information, employment details, and financial information as required.
  6. During the online application process, you will likely be asked to upload scanned copies of your documents. Make sure the documents are clear and legible.
  7. Review your application to ensure all information is accurate. Once you’re satisfied, submit the application.
  8. The bank will review your application along with the provided documents. They might contact you for any additional information or clarification.
  9. If your application is approved, you will receive an approval notification. The bank will then dispatch your credit card to your registered mailing address.

List Of Best Union Bank of India Credit Card

Union Uni Carbon Credit Card
Joining Fee: Rs 499 + GST
Renewal Fee: Rs 499 + GST
Welcome Benefits: When you use this card at any HPCL fuel station, you’ll get Rs 300 taken off from the total amount you need to pay on your bill.

Union Bank’s Rupay Combo Debit Cum Credit Card
Joining Fee: Rs 200 + GST
Renewal Fee: Nil
Best for: Travel

Union Select RuPay Credit Card
Joining Fee: NIL
Renewal Fee: Rs. 499
Best for: Shopping

Union Platinum RuPay Credit Card
Joining Fee: NIL
Renewal Fee: Rs. 299
Best for: Shopping