➥ Wide Acceptance at all VISA and Master Card and Rupay affiliations
➥ Cards are issued against a minimum Annual Proven Income of Rs 1.80 lacs
➥ Credit Cards are also issued against lien on Deposits, without Income proof
➥ Sanctioning of Credit Cards and Card Limit is at the discretion of the Bank
➥ 3 Add-on cards to Spouse / Parents / Major Children are available
➥ 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
➥ Global acceptance for all variants
➥ Minimum Payment Due (MPD) is 5% of the bill amount
➥ No finance charges (i.e free credit period allowed on all fresh purchases)
➥ Low annual subscription from second year onwards.
➥ Free Credit Period of 21 to 50 days even under rollover Option
➥ Free Lost Card Insurance Cover
➥ SMS alerts are sent to the Registered Mobile on all purchases, billing amount, credits received, cards blocked, Renewal Cards sent etc.,
➥ Soft copy of Monthly Bill is sent to the registered E-mail ID
➥ Group Personal Accident Insurance Coverage at a nominal Premium chargeable to the cardholder if opted.
Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.
Enjoy interest free credit period of 21 to 50 days on your purchases and manage your payments as per your convenience. Free credit period is not available on cash withdrawal from ATMs.
You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due. Applicable charges are subject to change from time to time at the sole discretion of the bank
Waiver of fuel surcharge whenever you fill fuel using Union Bank of India Credit Card across all fuel stations. T & C Apply
Group Personal Accident Insurance Coverage available at the option of the card holder nominal Insurance premium chargeable to the card holder. T & C Apply.
For further information visit https://unioncards.unionbankofindia.co.in under respective card variants.
The Credit Card transactions of INR 5000 and above will be eligible for conversion to EMI. The Card member can choose between 3, 6, 9 and 12 EMI's.The EMI facility is not applicable for cash withdrawals, Fuel, Hotels/Restaurants/Bars, Jewellery transactions and card fees (in view of guidelines issued by the Reserve Bank of India). For further information visit https://unioncards.unionbankofindia.co.in/
Processing fees and finance charges |
||
|---|---|---|
| Processing Fee | EMI Interest | Prepayment Charges |
| 2% of Transaction amount with minimum 200 and max Rs. 1000 | 16% p.a. | 2% on outstanding EMI Amount |