Union Bank of India Credit Card

Union Bank of India Credit Card Features and Benefits

The bank offers a wide range of benefits which come along with the credit card. This section will highlight some of the interesting features of Union Bank of India credit cards in general, along with their benefits.

1. Wide Acceptance: Union Bank of India Credit Card Services are provided at all the VISA, Mastercard, and RuPay affiliated merchants which makes the act of shopping both locally and overseas much easier and flexible.

2. Add-on Cards: Card members may request authorization for employees’ close family members, like their spouses, parents or major children, to enjoy the benefits of their card. Furthermore, the card is accepted globally, guaranteeing enhanced sales for the merchants.

3. Cash Advance Facility: Cardholders can withdraw cash from an ATM at MC, where the cash advance at MC is between 20% and 40% of the card limit, relevant to variant cards. Yet, however, there is a limitation for the receipt of cash in the account daily, which is in the form of Rs 20,000/- only.

4. Minimum Payment Due (MPD): The smallest dollar you can pay toward a credit card bill is 5% of the total bill amount, allowing greater control of repayments.

5. Interest-Free Period: Union Bank of India grants a 21 to 50-day free credit period even under the rollover option, meaning that the cardholders are not liable for any finance charges if they make purchases using the issued card and pay the balance before the end of the credit period.

6. Low Annual Subscription: There is a substantial lowering of subscription fees for Union Bank of India credit cards from the second year onwards. The cardholders feel the card is economical to retain.

7. SMS Alerts: The SMS alerts are sent to the registered mobile phones of the customers; SMS alerts are sent to the mobile phone of their customers, which include messages regarding all transactions and billing amounts, received credit messages, and blocks and renewals, which serve the purpose of enhanced security and timely notifications.

8. Monthly Bill Statement: An e-copy of the monthly bill statement is emailed to the cardholder’s registered email address. This gives you a hassle-free way of checking your spending.

9. Group Personal Accident Insurance Coverage: The donor is entitled to enrol for group personal accident insurance by just paying small premiums, which will entangle them in the event of an accident or sudden calamities.

Union Bank of India Credit Card Rewards and Cashback

The credit cards issued by Union Bank of India come with different rewards and cashback scopes. However, the cashback and reward slots differ according to the annual fees of the cards. If your credit card charges high annual fees, it is also likely to offer high cash-back rewards. Here’s to understand the cashback and rewards associated with Union Bank of India credit cards:

1. Union JCB Wellness Credit Card	Earn 4 reward points on every Rs. 100 spent on the card. Earn milestone rewards points on spending of Rs. 1,50,000 in a year.
2. RuPay Select Credit Card	Earn cashback on paying bills for food and shopping through the card.
3. Union JCB Health Credit Card	Earn 2 reward points on using the card for medical expenses each time.
4. RuPay Platinum Credit Card	Earn cashback on paying bills for food and shopping through the card.
5. VISA Signature Credit Card	Earn cashback for spending Rs. 500 on fuel transactions.
6. VISA Platinum Credit Card	You are eligible for the best offers on shopping, restaurants, and car rentals.
7. VISA Gold Credit Card	Earn reimbursement of 1% on every Rs. 100 spent on the card for fuel.
8. Divaa Credit Card Variant	Earn 2 reward points on all spends made by the card.
9. Rupay Combo Debit Cum Credit Card	You can earn 4 reward points on every Rs. 100 spent through this card. You can earn Rs. 50 cashback on bill payment.
10. Union Uni Carbon Credit Card	If you spend 500 on fuel you will receive 16 rewards points.

How To Earn and Redeem Union Bank of India Credit Card Reward Points?

There are several ways through which you, as a Union Bank of India credit card holder, can earn and redeem the reward points. Let’s check in detail.

#1. Earn Credit Card Rewards:

• Whenever you use your Union Bank credit card, you earn a reward point. 
• The real monetary value of one reward point is Rs. 0.25 paisa, which makes 4 reward points equal to Rs. 1. 
• You can keep an eye on the promotional ads, which can help you earn bonus reward points. 
• Additional reward points can be collected through paying limited time utility bills, doing recharge, and so on.

#2. Redeem Credit Card Rewards:

• Step 1: Log in to the Union Bank of India membership platform
• Step 2: Choose the category under which you wish to redeem reward points.
• Step 3: Then, click the desired checkbox as per the product you want.
• Step 4: Now add the product to the “cart” option.
• Step 5: Log in with your user ID and password to complete the transaction.
• Step 6:  If you want to redeem points, you have to hold a minimum of 100 points.
• Step 7: Each reward point is valid for 36 months, excluding the month in which you have earned the reward.
• Step 8: You can also contact Union Rewardz Customer Care for additional assistance.

Union Bank of India’s Credit Card Eligibility Criteria

To have a Union Bank of India credit card, you have to fulfil certain eligibility criteria. The requirements differ from one card to another, however, there is a standard criteria which Union Bank follows for its customers.

• Age Requirement:  The cardholder should be between 18 and 65 years of age for those who are salaried. The age requirement for old professionals is between 18 and 70 years. The add-on credit card holders must be 18 years of above for credit approvals.
• Stable Income:  The income eligibility is set by the bank at 7.5 lakh per annum, to ensure a stable financial background of the cardholder.
• Good Credit Score:  Union Bank issues credit cards based on the customer’s credit score. The credit score needs to be good enough for approval. 
• Specific Income Threshold:  The income threshold of 7.5 lakh per annum is asked by the bank for card approval, ensuring a level of financial reliability and competence to handle repaying the credit.
• Residency Status: The cardholder of Union Bank should be a resident of the nation in which the card is issued.

Documents Required For Union Bank of India Credit Cards Approval

The following documents need to be handy for you when you are willing to apply for a Union Bank of India Credit Card.

• Proof of Identity: The credit card user needs to hold valid government-issued identification proof for the card approval, such as a passport, license, or any other UID card. 
• Proof of Address: For address proof, users need to hold documents such as utility bills, rent agreements, and others.
• Income Proof: Under income proof, you need to have bank statements, salary slips, and income tax returns for verification. 
• Recent Photographs: Two passport-size photographs are required for identification. 
• KYC Documents: Know Your Customer (KYC) documents are also asked for approval. You can either provide a PAN card, Aadhaar card, or Voter ID card4556

Union Bank of India Credit Card Annual Fees and Charges

Here’s the complete report on Union Bank Credit Card annual fees for its customers:

Credit Card	Annual Fee
Union JCB Wellness Credit Card:	Rs. 999 including GST charges
RuPay Select Credit Card:	Rs. 499 including GST charges
Union JCB Health Credit Card:	Rs. 499 including GST charges
RuPay Platinum Credit Card:	Rs. 299 including GST charges
VISA Signature Credit Card:	Rs. 199 including GST charges
VISA Platinum Credit Card:	Rs. 399 including GST charges
VISA Gold Credit Card:	Rs. 299 including GST charges
Divaa Credit Card Variant:	Rs. 499 including GST charges
Rupay Combo Debit Cum Credit Card:	No fees and extra charges
Union Uni Carbon Credit Card:	Rs. 499 including GST charges

How To Activate Union Bank of India’s Credit Cards?

Union Bank of India credit card activation follows a simple and structured process. Here’s a detailed guide on it:

1. Contact Customer Care

• Please contact the Union Bank Credit Card by calling their customer care helpline.
• In doing so, always make sure to give the agent a call and provide all the necessary information, such as card details, personal information, and any additional security verification, if needed.
• The rep for customer care will take you through a short onboarding process where you will ultimately get your card activated in a jiffy.

2. Activate via ATM

• Drop in at Union Bank ATM nearest from here.
• Insert your bank card only in the ATM machine.
• From the main menu, select the option “Elaboration of credit card PINs” or a similar one that is associated with card activation.
• Please follow the directions on the screen in order to be able to activate the device.
• With your credit card successfully set up, you now have a functional credit device at your disposal.

Union Bank of India Credit Cards Login/Net banking

• Step 1: Visit the Official Website: Go to https://www.unionbankofindia.co.in/ using the address box of your web browser.
• Step 2: Locate the Login Section: The login button is located on the homepage. Look for it. Open an account for credit card and Internet banking.
• Step 3: Enter Your Credentials: Type your user ID and password (or username and password on some websites). If this is the very first time you are logging in, then you might need to register for e-banking and create an account using your credentials.
• Step 4: Access Your Account: Then, navigate to the credit card section once logged in to see the details of your credit card, statements, transactions, rewards and other features of your account.
• Step 5: Security Measures: First, always use a safe internet connection, and second, never share any of your credentials to protect your account from unwanted access.

How To Compare Union Bank Credit Cards and Choose The Best One?

If you are willing to issue a credit card from Union Bank, you need to consider certain points to ensure that you have chosen the best one. Start with an evaluation of where and how you normally spend your money and, subsequently, what your inclinations and preferences with regard to spending are.

Get accustomed to the attributes of Union Bank service cards, which include various annual fees, interest rates, loyalty programs, welcome bonuses, cashback offers, and additional facilities, such as travel insurance or access to airport lounges. Make sure that you put in writing the fees (e.g., annual fee, late payment fee, foreign transaction fee, etc) for each credit card applicable and other charges.

Collect feedback from the users on features such as customer service quality, ease of use, redemption, and difficulties which have been encountered by the people who are already using the card.

Union Bank of India Credit Card Bills

Online Method

• Using BillDesk: You can pay your credit card bill through BillDesk, whether you’re a Union Bank customer or not.
• Through UBI Internet Banking: If you have a Union Bank account with internet banking activated, you can use it to pay your credit card bill. Non-customers can also register for internet banking on Union Bank’s official site.
• Via NEFT: Non-Union Bank cardholders can also use NEFT to pay credit card bills. The payment usually takes 3 working days.
• Using Mobile Banking: Download the U-Mobile app and log in with your registered number to pay your credit card dues safely and quickly.
• Through AutoPay: Set up AutoPay to automatically pay your credit card bills on time. You can activate this by calling the bank or visiting in person.

Offline Method

• At an ATM: Visit a Union Bank ATM and use the Electronic ATM fund transfer service to pay your credit card bill.
• Cheque or Cash: You can pay over-the-counter at the nearest Union Bank branch by submitting a cheque or cash. 
• Through Phone Banking: Call Union Bank customer care at 1800 223 222 and ask the executive to clear your credit card dues. It may take 2-3 working days for the payment to process.

Customer Care – Union Bank of India Credit Card

Union Bank of India users can get help with their queries and complaints anytime by contacting the customer helpline. If you need support or assistance with your credit card, you can call the number below:

• 24/7 Toll-Free Number: 1800 425 1515

This helpline is available all the time for your credit card-related needs.

Conclusion

Choosing a Union Bank credit card is a matter of carefully weighing your spending, figuring out the card attributes, the fees, as well as what the other consumers think. Through this process of weighing in all the factors and by contrasting more than one card option, you will finally know the one card that matches your financial objectives and, at the same time, your personal preferences.

FAQs