Union Bank of India is one of the oldest and trusted banks in India Union Bank of India offers credit card to its customers with great facilities like shopping, dining, ticket booking, travel, entertainment and many more and as per their requirement. Credit cards can be used and Union Bank of India’s credit cards are given in many variants like Gold, Classic and Silver because all the customers have different requirements, so the bank has to keep in mind the demand of all the customers. Credit card has to be launched Axis Credit Card
And today many customers of Union Bank are taking advantage of its credit card, so if you are also a Union Bank customer and want to get a credit card made, today here we will give you complete information about Union Bank Credit Card, how you can get Union Bank credit. Card can be made and what are the facilities available in this credit card. UBI Credit Card
Why choose Union Bank of India Credit Card?
Union Bank of India’s credit card comes with unmatched features and privileges and can be used at international merchant outlets and customers also have the option to choose a photo signature Visa card or a non-photo Visa card as per their requirements And for home use, the Photo Signature Visa card is available in three variants, Classic, Gold and Silver.
Features and Benefits of Union Bank of India Credit Card:
Annual Fee:
For Union Bank of India credit cards, customers do not have to pay any annual fee, only the signature credit card holder has to pay an annual fee of 250, which will be waived if the credit card spends more than 1 lakh.
Add-on Card:
Union Bank of India primary card holders also have the option of availing add-on cards for their family members.
Union Reward:
- Union Bank offers “Union Rewards” for Union Bank of India credit card holders, through which reward points can be earned at PoS transactions and e-commerce outlets and can be redeemed for gift vouchers, consignments, travel tickets etc. can,
- Union Rewards Points can be earned on the Union Bank of India Credit Card based on the customer’s monthly spend, if your monthly spend is less than Rs. 10,000, then for every 100 spends you will get 1 union point and if the monthly expenditure is between Rs. 10,000 to Rs. 30,000, then 1.5 union point will be given for every 100 spends.
Union Bank Credit Card Benefit
Insurance:
Depending on the type of credit card, Union Bank of India offers Personal Accidental Death Insurance and Air Accident Insurance to the customers. The Sum Assured again varies with the type of card chosen.
Fuel Surcharge Waiver:
If the cardholder has bought Indra at any petrol pump from ₹ 400 to ₹ 4000, then its surcharge is waived.
EMI Schemes:
Customers can easily convert their high-value purchases into monthly installments and get EMIs of 3,6,9,23,24 or 28 months.
24/7 Hotlisting Facility:
Credit cards that have been lost or stolen can be blocked by contacting the 24/7 helpline available from Union Bank of India.
Interest Free Period:
Union Bank of India offers interest free loan tenure of up to 50 days to all credit card holders.
UBI Credit Card Eligibility:
Individuals who wish to apply for Union Bank of India Credit Card must fulfill the following eligibility criteria.
Age Criteria
To apply for Union Bank of India Credit Card, you must fall within the age limit prescribed by the bank. Applicant age should be minimum 21 years and maximum 65 years. Anyone falling under this age limit can apply for a credit card with Union Bank of India. The age of the add-on credit card holder should be 18 years and above.
Income Criteria
You must have regular income to avail Union Bank of India credit card. The income criteria vary according to the features and specifications of the card. You can get a Union Bank of India Credit Card against your fixed deposit and the minimum income requirement set by the lender.
Union Bank of India Credit Card – Required Documents
Identity card – Pan Card, Aadhar Card, Voter ID Card, driving license, Any other Government ID having photo.
Address certificate – Aadhar Card, Passport, Utility bill (not older than last three months), any other government ID
Certificate of Income – Bank statement of last three months, Salary slip of last three months, Account of the business for the last two years (if it is a business of its own), Form 16
Union Bank of India Credit Card Payment
Union Bank Credit Card bill payment can be done through various options. The options available to make your credit card bill payment are as follows:
Union Bank Online: Customers can pay monthly credit card bills using the Internet Banking facility of Union Bank’s website. Customers have to click on the link for Union Bank Credit Card Bill and make the payment.
Union Bank Branches: Customers can pay their bills by cash or cheque through any Union Bank branch. Outstation checks are not accepted at any branch. The bill payment made at the branch will be credited to the credit card account of the customers. UBI Credit Card
Auto-debit facilities: The customer can also avail the facility of auto debit under which the credit card bill amount will be debited from the customer’s account before the due date and will be credited to the credit card account.
How to apply for Union Bank of India Credit Card?
You can apply for Union Bank Credit Card through online or offline methods. Nowadays, most of the customers prefer to pay online as it can be done from the comfort of their homes. The online application process is quite easy. The steps are as follows, UBI Credit Card
Step 1: You can go to the ‘Credit Cards’ page of the official website of Union Bank of India
Step 2: Fill in your personal details
Step 3: After verification, a representative of the bank will contact you and guide you through the process.
Step 4: You will need to provide KYC documents and income proof to get the Union Bank of India Credit Card
Step 5: You can also visit the nearest Union Bank of India branch to apply for the credit card
Union Bank Credit Card NetBanking:
Most of the banks have their own internet banking facilities to make their customers comfortable with their banking requirements. Similarly, Union Bank also provides Internet Banking Platform which seeks to provide the best to its customers. Some of the salient features and benefits of Union Bank’s Internet Banking facilities are listed below:
- You can check your savings account balance and view your past transactions. By doing this, you can keep track of your expenses.
- Access your e-statements and keep track of your cash flows in your account.
- You can request for check book using your netbanking account
- The status of issued checks can also be tracked.
- You can view their demat account details such as the bank linked to the account, correspondent’s address, account number, etc.
- Demat account statement and outstanding balance can also be viewed
- Billing details of your Demat account and past transactions can be accessed.
