FAQ's

1. From where can a customer get the application form?

Application forms can be obtained from Union Bank of India branch where account is maintained.

2. What are the Eligibility criteria to apply for UBI Credit Card?

➥ Cards are issued to customers and also to Non-customers on selective basis.
➥ Primary card holder should be in the age bracket of 21 years to 70 years.
➥ Add-on card holder should be 18 years and above.
➥ Income Eligibility is Rs 1.80 lacs per Annum.
➥ 2 years Income Tax Returns with computation sheets
➥ For Salaried class Form 16 / ITRs with latest Salary slip.
➥ Cards are also issued against lien on Deposit with 25% margin without insisting for Income Proof & Scoring Model.

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

3. Can a customer apply for Union Bank of India credit card if he has a Fixed Deposit or Loan relationship with Union Bank of India?

Customer having Fixed Deposit in Union Bank can apply for UBI credit card and 75% of the deposit amount will be sanctioned as card limit and lien will be marked on the deposit.The customers who availed housing loan above 10 lakhs and are in performing status with Union Bank of India can apply through their loan account branch.

4. What are the documents to be submitted along with application?

➥ Application for credit card with complete information
➥ Two Passport size Color Photographs
➥ Latest Income Tax Returns for 2 years / Form 16 / Salary Slip
➥ Valid Proof of address, Valid ID Proof, Pan Copy as per KYC norms

5. How much time will it take to approve the card?

Up on submission of completed application with all valid enclosures it will be processed within 7 working days by the account maintained branch subject to fulfilling the eligibility criteria as bank norms. T & C Apply.

6. What will be the credit limit for the card?

There is no single basis for assigning credit limit. There are various parameters on the basis of which credit limit is decided by the Bank at its sole discretion.

7. What will be the cash limit for the card?

Cash advance facility at 20% to 40% as per the card variant on the Card Limit subject to ATM daily cash withdrawal Limit of maximum Two transactions or Rs 20,000/- per day. For details visit https://unioncards.unionbankofindia.co.in/

8. How to activate the credit card?

Up on receipt of the card the card holder can request for card activation through various methods namely,
➥ By sending SMS from registered mobile number only to 7836884400 as (CARDACKW XXXX where XXXX denotes last four digit of the card number).
➥ By calling our 24 * 7 toll free 1800 425 1515.
➥ By registering in our credit card online portal through the link https://unioncards.unionbankofindia.co.in/

The card holder can start using the card up on receipt of successful activation SMS from the bank.

9. How to obtain / generate PIN for the credit card?

➥ As a green initiative, you can generate pin either through Union Credit Card Mobile App or Web Portal https://unioncards.unionbankofindia.co.in
➥ Alternatively the card holder may also send SMS from registered mobile to 7836884400 as (ATMOTPRQ XXXX where XXXX denotes last four digit of the card number). The card holder will receive an OTP and using the OTP the PIN can be generated by visiting any nearby Union Bank of India ATM's.

10. Can I create / change credit card PIN through any other bank ATM's?

No. The PIN change option is available only through Union Bank of India ATM's.

11. What is Turnaround time for Open to Buy Limit ( OTBL) updation?

➥ For cash payment at Union Bank of India branches 1-2 working days ( No charges for cash payments)
➥ For cheque payment 5 - 6 working days
➥ For online payment 48 to 72 Working hours.

In case any query regarding credit card payments made by the card holder not reflecting in the card account the card holder can send mail to ccdbilling@unionbankofindia.bank with valid proof of payment.

12. How to change mobile number / Standing Instructions account number / Standing Instruction Flag ( Minimum Payment or Total Payment / E-Mail ID ?

The card holder should approach the account maintained branch and submit the request in the prescribed format available in the branch.

13. How to update the change in address for my credit card?

The card holder has to send the request letter along with valid address proof through post to credit card division (address printed on the rear side of the credit card) or by sending mail to ccdhelpdesk@unionbankofindia.bank through his registered mail id only by attaching the scanned copies of request letter and valid address proof.

14. How to make a request for credit card limit enhancement?

The card holder can place a request for enhancement of card limit based on the income criteria and up on submission of valid Income proof to justify enhancement. The enhancement of the limit is at the sole discretion of the bank.

15. Whether the credit is Internationally Valid and whether the international usage can be restricted at my convenience?

All of our credit cards are internationally valid. However as per RBI guideline the credit cards will be restricted to domestic usage by default. The card holder can enable / disable international usage through our credit card portal / credit card mobile app.

The card holder can also enable / disable the international flag through our Union Bank of India mobile banking app if the card holder is also an account holder of Union Bank of India and registered for mobile banking facility.

16. How to secure my credit card details to prevent fraudulent use?

The card holder should mention only his customer ID instead of card number to avoid exposure of critical data through mail during any correspondence. The customer ID is mentioned in the monthly credit card bills and it can also be obtained by sending SMS to 7836884400 as (GETCUSID XXXX where XXXX denotes last four digit of the card number) from the registered mobile number only.

17. MITC

Type of Fee VISA Gold Visa Platinum VISA Signature RUPAY Platinum Rupay Select
Admission/ Joining Fee NIL NIL NIL NIL NIL
Annual Fees - Main card Annual Fees - Main card 399/- 1,999/- 299/- 499/-
Annual Fees - Add on card 199/- 299/- 999/- 199/- 399/-
Annual Fees waived in the first year and not levied if usage in the previous year is 30,000/- 50,000/- 2,70,000/- 30.000/- 50,000/-
Free Credit Period 21 to 50 days depending up on the date of purchase 21 to 50 days depending up on the date of purchase 21 to 50 days depending up on the date of purchase 21 to 50 days depending up on the date of purchase 21 to 50 days depending up on the date of purchase
Roll Over Facility 2.50% (2.95% if MPD is not paid) 2.50% (2.95% if MPD is not paid 2.50% (2.95% if MPD is not paid) 2.50% (2.95% if MPD is not paid 2.50% (2.95% if MPD is not paid
Accidental Insurance Coverage Rs. 5.0 Lakhs Rs. 10.00 Lakhs Rs.30.00Lakhs Rs. 2.00 Lakhs Rs. 10.00 Lakhs
lost Card Insurance Coverage Up to Rs. 1.50 Lakhs Up to Rs. 1.50 Lakhs UptoRs.1.50 Lakhs UptoRs.1.50 Lakhs Up to Rs. 1.50 Lakhs
Cash Advance Limit 20% of the Card limit 30% of the Card limit 40% of the Card limit 30% of the Card limit 40% of the Card limit
Lost Card Charges NIL NIL NIL NIL NIL
Card Replacement Charges 149/- 249/- 299/- 149/- 249/-
Charge Slip Request Charges Rs.200/- Rs.200/- Rs.200/- Rs.200/- Rs.200/-
Transactions charges at Railways 1.5%+IRCTC Charges 1.5%+IRCTC Charges 1.5%+IRCTC Charges 1.5%+IRCTC Charges 1.5%+IRCTC Charges
Surcharge on fuel purchase Waiver l%upto Rs. 100 p.m. l%upto Rs. 100 p.m. l%upto Rs. 100 p.m. l%upto Rs. 100 p.m. l%upto Rs. 100 p.m.
Foreign Currency Markup Fee 3.00% 3.00% 3.00% 3.00% 3.00%
Temporary Enhancement charges per occasion Rs.200/- Rs.200/- Rs.200/- Rs.200/- Rs.200/-
Hot Listing Charges Nil Nil Nil Nil Nil
Hot Listing charges if MPD Not paid 200/- 200/- 200/- 200/- 200/-
Cash withdrawal through own Bank ATMs 3 % or with Min Rs 200/- 3 % or with Min Rs 200/- 3 % or with Min Rs 200/- 3 % or with Min Rs 200/- 3 % or with Min Rs 200/-
Cash Withdrawal charges Other Bank ATMs 3 % or with Min Rs 200/- 3 % or with Min Rs 200/- 3 % or with Min Rs 200/- 3 % or with Min Rs 200/- 3 % or with Min Rs 200/-
Balance Enquiry in Own ATMs Nil Nil Nil Nil Nil
Balance Enquiry in Other Rs. 20/- Rs. 20/- Rs. 20/- Rs. 20/- Rs. 20/-
Interest on cash advance charges 2.5% per month from date of withdrawal 2.5% per month from date of withdrawal 2.5% per month from date of withdrawal 2.5% per month from date of withdrawal 2.5% per month from date of withdrawal
Service charge on revolving credit facility, if MPD is paid with due date 2.50% (2.95% if MPD is not paid) 2.50% (2.95% if MPD is not paid) 2.50% (2.95% if MPD is not paid) 2.50% (2.95% if MPD is not paid) 2.50% (2.95% if MPD is not paid)
Service charge on revolving credit facility if MPD is NOT paid within due dare 2.95% per month from the date of Transaction 2.95% per month from the date of Transaction 2.95% per month from the date of Transaction 2.95% per month from the date of Transaction 2.95% per month from the date of Transaction
Over Limit charges 2.5% of the over limit amount, minimum Rs.250/- 2.5% of the over limit amount, minimum Rs.250/- 2.5% of the over limit amount, minimum Rs.250/- 2.5% of the over limit amount, minimum Rs.250/- 2.5% of the over limit amount, minimum Rs.250/-
Green PIN Charges NIL NIL NIL NIL NIL
Cheque return Fee Rs. 250 Rs. 250 Rs. 250 Rs. 250 Rs. 250
Late Payment Charges
Up to Rs. 25,000/- Rs.200/- Rs.200/- Rs.200/- Rs.200/- Rs.200/-
Above Rs.25,000/- Rs.500/- Rs.500/- Rs.500/- Rs.500/- Rs.500/-
Duplicate Statement for > 3 months Rs. 50/- per statement Rs. 50/- per statement Rs. 50/- per statement Rs. 50/- per statement Rs. 50/- per statement
Duplicate physical PIN mailer Rs. 50/- per occasion Rs. 50/- per occasion Rs. 50/- per occasion Rs. 50/- per occasion Rs. 50/- per occasion
EMI facility: EMI facility can be availed for 3/6/9/12 months, except for Gold purchase, Cash withdrawals and fuel transactions, /transactions at BAR
Processing Fee Processing fee 2% minimum Rs.200/- and maximum Rs. 1,000/-
Rate of Interest 16% p.a., on reducing balances
Pre-Closure Fee 2% of the outstanding amount under EMI still not due-

All charges are exclusive of GST.

In case of VISA Business Platinum Corporate Cards, Admission Fee shall be Rs. 1,500/- and Annual Fee shall be Rs. 2,000/- per card.