Union Bank Credit Card Apply 2024 Review – Types, Details & Benefits

Union Bank Credit Card Apply 2024 Review – Types, Details & Benefits: In this article, we will know in detail what is Union Bank Credit Card, eligibility for this card, what are the documents and how can we apply for credit card etc., so you read this article till the end. If you are thinking of taking a credit card from any bank, then you can consider the credit card of Union Bank of India.

The advantages of Union Bank Credit Card are many. With the help of credit card, you can do many types of online and offline transactions and fulfill your immediate needs.

Union Bank Credit Card Review Details

Before applying for Union Bank of India credit card, you need to know what is a credit card. A credit card is a financial instrument that allows you to make transactions without making immediate payments. All the transactions you do at the end of the month have to be paid. In the credit card, you are given a limit which is called the credit card limit (Union Bank of India Credit Card Limit). You cannot do transactions above this limit.

This limit given to the customers CIBIL Score is given on the basis of factors like income, credit history. If your CIBIL score is very good and your income is very good then you can get Union Bank of India credit card of higher limit. You can apply Union Bank Credit Card both online and offline.

According to the needs of the customers, the bank offers various types of credit cards to the customers. You can apply for the card you want to take advantage of. By comparing various credit cards, you can find the best Union Bank Credit Card for yourself. You can also apply for a credit card by calling the Union Bank Credit Card customer care number.

Read Also: Bandhan Bank Credit Card Apply

Union Bank Credit Card Types

The bank offers several types of credit cards. Benefits and features may vary for different cards. Here is the detailed information about all the credit cards:

• Union Bank Uni Carbon Credit Card
• Union Bank Rupay Platinum Credit Card
• Union Bank Rupay Select Credit Card
• Union Bank VISA Gold Credit Card
• Union Bank VISA Platinum Credit Card
• Union Bank VISA Signature Credit Card

Union Bank Uni Karbonn Credit Card:

The bank has issued this card for such people who want to take advantage of the best services in their life. You can use this card everywhere in India and other countries. This credit card is equipped with highly secure integrated chip technology. The benefits and features of this Union Bank Uni Carbon Credit Card are as follows:

Benefits and Features:

• Welcome Bonus up to Rs.300.
• Fuel surcharge waiver benefits.
• 1.50% cash back in the form of 6 payback/reward points on transactions done on HP Pay app.
• 2 reward points for every Rs.100 spent.
• Receive additional rewards in the form of Milestone Rewards for spending Rs 1,25,000 in a year.
• For every spend of Rs 50,000 above Rs 2.00 lakh, the card holder will get additional 1000 rewards.
• The card has an interest free credit period of 21 to 50 days.
• Rs.10 lakh.
• If your credit card is lost or stolen somewhere, you will have to inform the bank within 24 hours, so that after reporting the loss, any fraudulent transaction up to 1.50 lakh will be covered by the bank.
• Get an add-on Uni Karbonn Credit Card.
• advantage of the offers provided by RuPay.
• To take advantage of this card, your annual income should be at least 2.5 lakhs. should be.

Read Also: UCO Bank Credit Card

Union Bank Rupay Platinum Credit Card:

Benefits and Features:

• Under this credit card, you get an interest free credit period of 21 to 50 days on your purchases.
• 1% fuel surcharge waiver.
• Rs.2 lakh.
• 1.50 lakh if the card is lost or stolen cover up to
• advantage of the offers offered by RuPay.
• should be at least 2.5 lakh rupees.

Union Bank Rupay Select Credit Card:

This Union Bank Credit Card are as follows:

Benefits and Features:

• Under Union Bank Rupay Select Credit Card, avail interest free credit period of 21 to 50 days.
• 1% fuel surcharge waiver.
• Rs.10 lakh.
• 1.50 lakh in case of loss or theft of credit card.
• advantage of offers provided by RuPay.
• add-on RuPay Select Credit Card.
• should be at least Rs 7.5 lakh.

Read Also: LIC Credit Card Apply

Union Bank Visa Gold Credit Card:

Benefits and Features:

• Avail interest free credit period of 21 to 50 days on this Union Bank Credit Card.
• 1% fuel surcharge waiver.
• Rs.5 lakh.
• If the card is lost or stolen, you should inform the bank within 24 hours so that you can get a cover of up to Rs 1.50 lakh.
• shopping, hotels and car rentals etc.
• Your annual income should be at least 1.80 lakhs to avail Visa Gold Credit Card Must be Rs.

Union Bank Visa Platinum Credit Card:

Benefits and Features:

• Avail the benefit of interest free credit period of 21 to 50 days with this card.
• Avail the benefit of fuel surcharge waiver up to 1% per month.
• Rs.10 lakh.
• In case the card is stolen or lost, inform the bank and get a cover of up to Rs 1.50 lakh.
• shopping, hotels and car rentals etc.
• should be at least 2.5 lakh rupees.

Read Also: RBL Credit Card Apply

Union Bank Visa Signature Credit Card:

Benefits and Features:

• Avail the benefit of interest free credit period of 21 to 50 days.
• Avail 1% fuel surcharge waiver with Union Bank VISA Signature Credit Card.
• Rs.30 lakh.
• Take advantage of airport lounge access and concierge services.
• If your credit card is stolen or lost, inform the bank within 24 hours so that you can get a cover of up to Rs 1.50 lakh.
• shopping, hotels and car rentals.
• Get an add-on signature credit card.
• should be at least 10 lakh rupees.

Union Bank Credit Card Eligibility

If you fulfill all the conditions of the credit card then you can apply for it. The eligibility for different Union Bank of India credit cards may vary. The eligibility to apply for a credit card is as follows:

• Any salaried or self-employed individual can apply for the credit card.
• Your minimum age should be 18 years.
• The age of the add-on card holder should be 18 years and above.
• IT Returns with Calculation Sheet for Business Class 2 Years.
• Cards are issued to customers and also to non-customers on a selective basis.
• 16 / ITR with latest salary slip for salaried class.
• Cards are also issued against lien on fixed deposits with 25% margin without emphasis on income proof and scoring model.

Document Need for Union Bank Credit Card 

Before applying for Union Bank Credit Card, you should keep all your necessary documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. Documents can be of different types for different cards. You can also visit your nearest Union Bank branch to know more about the document. Here is the list of documents:

• completed credit card form
• Two passport size color photographs
• Latest Income Tax Return / Form 16 / Salary Slip for 2 Years
• ID proof, PAN copy as per KYC norms
• Other Documents

Read Also: PNB Credit Card Apply

Union Bank Credit Card Advantages and Features

The benefits and features of different Union Bank Credit Cards can be different. Here are the benefits of Union Bank credit card:

• Benefit of wide acceptance across all Visa and MasterCard and RuPay affiliations.
• bank offers credit cards to the customers with a minimum annual income of Rs 1.80 lakh.
• No finance charges are levied on the Union Bank Credit Card.
• In some cases, customers are given credit cards even without an income certificate.
• 5% of the bill amount.
• The credit limit offered under the credit card is at the discretion of the bank.
• 3 add-on cards available for spouse/parent/elder children.
• Benefit of annual subscription from 2nd year onwards.
• You can withdraw cash with the help of credit card from ATM up to Rs.20,000.
• roll over Under the option, a free credit period of 21 to 50 days is given.
• If your card is lost or stolen, you are provided with a free lost card insurance cover.
• Benefits of personal accident insurance coverage.
• All the information related to your credit card will be sent to your registered mobile number through SMS.
• The soft copy of the monthly bill will be sent to your registered email id.

How to apply for Union Bank Credit Card ?

If you fulfill all the conditions of this card then you can apply for it both online and offline. To apply, follow the steps given below:

Union Bank Credit Card Apply Online

• To apply online, you must first visit the official website of the bank. unionbankofindia.co.in But have to come.
• after visiting the website credit cards Click on the option.

• The list of all credit cards will open in front of you.
• Click on the card you want to apply for.
• To apply, click on the option of Apply Now.
• The application form will open in front of you.
• Enter the requested information in it and click on submit.
• After this the bank will contact you and will issue the further process.

How to apply offline ?

• To apply offline, you have to first visit your nearest Union Bank branch.
• Contact the bank employee who will provide you complete information about the credit card.
• Then your documents will be verified.
• You have to fill a form and submit the documents to the bank.
• If your application is accepted, you will be issued a card.

How to check Union Bank Credit Card Status ?

If you have applied for a credit card then you can easily track the status of your application. You can track the status of your application online by visiting the bank’s official website or by visiting your nearest bank branch. Apart from this, you can also check the status of your application by calling on the Union Bank Credit Card customer care number.

Union Bank Credit Card Fees & Charges

When you take a credit card, you have to pay many types of fees and charges. These charges are different for different cards depending on the base. These fees and charges can be changed by the bank from time to time, so you can also contact the bank for more information about it.

Here is a direct link to the charges based on the card. As soon as you click on the link on the front of the card, you will come to the charges section on the official website of the bank. These charges are as follows:

Card name	Fees & Charges
Union Bank Uni Karbonn Credit Card	Click Here
Union Bank Rupay Platinum Credit Card	Click Here
Union Bank Rupay Select Credit Card	Click Here
Union Bank Visa Gold Credit Card	Click Here
Union Bank Visa Platinum Credit Card	Click Here
Union Bank Visa Signature Credit Card	Click Here

Union Bank Credit Card Payment 

All the transactions you do in the credit card, you have to pay it at the end of the month, which is also called Union Bank credit card payment or credit card bill payment. The bank offers you a variety of online and offline options to make the payment. You should pay your credit card bills on time so that your CIBIL score is not affected in any way. The options for making credit card bill payments are as follows:

• Through auto-debit facility.
• net banking
• Through NEFT / IMPS.
• RTGS
• Check / Demand Draft
• Cash payment at any Union Bank of India branch
• visa money transfer
• through ATM.
• Through bill desk.

Union Bank Credit Card Customer Care Number

If you are facing any kind of problem in making a credit card or you want to get other information about the credit card, then you can get information by calling Union Bank Credit Card Customer Care Number.

• All-India Toll Free number : 1800 22 22 44 / 1800 22 22 43 / 1800 208 2244 / 1800 425 1515
• Charged Numbers : 080-61817110
• Dedicated number for NRI : +918061817110

My Last Word:

In this article we have you Union Bank of India Credit Card Apply, Review, Details, Fees & Charges, Features and more things Provided complete information about. Any person who wants to take a credit card from Union Bank of India can apply for a credit card by reading this article.

Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.

FAQ’s on Union Bank Credit Card: