By Ankur Mittal

Union Bank of India is a government-owned bank tracing its origin since 1919 having its headquarters in Mumbai. The capital value of this bank is Rs. 10,000 crores. The bank has spread its reachability throughout the country having 10,174 branches. It has touched the areas like economy, rural and agriculture sector,  business development, merger and acquisition, banking and financial services, and a lot more providing its customers all-around facilities around the clock. From financial help to customer care services, it has shown its commitments to the customers. The Union Bank of India started issuing credit cards to its customers in 2005. Hereunder are the top 3 credit cards issued by the Union Bank of India.

Union Select RuPay Credit Card

Welcome Benefits

NA

Rewards Rate

You can earn a maximum of Rs. 50 cashback per month on utility bill payment. You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet. You can also cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions. You can earn 4 reward points on every Rs. 100 spent on this card.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

You can redeem your reward points for movies, bus & air tickets, gift vouchers, etc. A minimum of 100 reward points needs to be accumulated for redemption. 1 reward point = Rs. 0.25.

Joining Fees

Nil

Product Details

  • Union Select RuPay Credit Card comes with no joining fee.
  • Earn 4 reward points on every Rs. 100 spent using this card.
  • Earn cashback of Rs. 50 on payment of utility bills.
  • Earn cashback of Rs. 50 on a minimum transaction of Rs. 500.
  • Earn cashback of Rs. 25 on a minimum transaction of Rs. 300 spent on the IRCTC website.
  • Get 4 complimentary domestic and international lounge access.
  • Covers accidental air death cover and credit card lost cover.
  • 1 RP = Rs. 0.25

See additional details for Union Select RuPay Credit Card

Union Paltinum RuPay Credit Card

Welcome Benefits

NA

Rewards Rate

You can earn a maximum of Rs. 50 cashback per month on utility bill payment. You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet. You can also cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions. You can earn 2 reward points on every Rs. 100 spent on this card.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

You can redeem your reward points for movies, bus & air tickets, gift vouchers, etc. A minimum of 100 reward points needs to be accumulated for redemption. 1 reward point = Rs. 0.25.

Joining Fees

Nil

Product Details

  • Union Platinum RuPay Credit Card comes with no joining fee.
  • Earn 2 reward points on every Rs. 100 spent using this card.
  • Earn cashback of Rs. 50 on payment of utility bills.
  • Earn cashback of Rs. 50 on a minimum transaction of Rs. 500.
  • Earn cashback of Rs. 25 on a minimum transaction of Rs. 300 spent on the IRCTC website.
  • Covers accidental air death cover and credit card lost cover.
  • 1 RP = Rs. 0.25

See additional details for Union Platinum RuPay Credit Card

Welcome Benefits

You get Rs 300 credited on your bill amount on using your Union Uni Carbon credit card at any HPCL fuel station

Rewards Rate

16 reward points on fuel spending of Rs 500 which is equivalent to 4% cashback and 6 payback points on fuel transactions made at HPCL fuel stations. Besides that, you earn 2 reward points on every Rs 100 spent non-fuel transactions using this credit card.

Best Suited For

Fuel |

Movie & Dining

NA

Reward Redemption

1 Reward point = Rs 0.25 redeemed against cashback at HP Pay app using your credit card.

Joining Fees

Rs 499 + GST

Product Details

  • 500 Reward Points on annual spending of Rs 1,25,000
  • 16 reward points on fuel spending of Rs 500 which is equivalent to 4% cashback
  • 2 reward points on every Rs 100 spent non-fuel transactions
  • Get Rs 300 credited on your bill amount at any HPCL fuel station as a welcome bonus
  • Annual fee waiver on the spending of Rs 1,00,000 or above in the previous year
  • Air accidental cover upto Rs 10 lakhs
  • 1% surcharge waiver on fuel transactions of Rs 200 or above at all HPCL fuel stations

See additional details for Union Uni Carbon Credit Card

Welcome Benefits

NA

Rewards Rate

NA

Best Suited For

Travel |

Movie & Dining

Exclusive cashback on your Dining spends using this credit card

Reward Redemption

NA

Joining Fees

Rs 200 + GST

Product Details

  • Complimentary access to domestic and international lounges
  • Cashback on Utility bill payments and dining on a Select Rupay card
  • Personal insurance cover worth Rs 20 lakhs
  • 1% surcharge waiver on fuel transactions
  • Exclusive merchant offers
  • 24×7 Concierge Services

 

Top 3 Union Bank of India Credit Cards

Union Bank Uni Carbon Credit Card

This one is a fuel credit card that lets you earn reward points on fuel transactions. Apart from this, the customers can also earn reward points on non-fuel transactions. This card also lets you enjoy the milestone benefits on achieving the spending limit of Rs. 1,00,000 or above in the previous year.

Union Select RuPay Credit Card

This card is suitable for shopping as it allows you to earn 4 reward points on every Rs. 100 spent using this card. You can enjoy the travel benefits too on this card. It’s a cashback-based credit card that lets you earn cashback on various selected categories.

Union Platinum RuPay Credit Card

With this credit card you can earn cashback and reward points on your spendings. You also get insurance benefits and lost card protection on this card. Redeem your reward points for purchasing movie tickets, making utility bills payment, etc.

Reward Points & Cashback Benefits:

Credit Card Reward Points
Union Bank Uni Carbon Credit Card 16 reward points on every Rs. 500 spent on fuel transactions. 2 reward points on every Rs. 100 spent on the non-fuel transactions.
Union Select  RuPay Credit Card Earn 4 reward points on every Rs. 100 spent on this card.
Earn a maximum of Rs. 50 cashback per month on utility bill payment.
Earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet.
You can also cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions.
Union Platinum RuPay Credit Card Earn 2 reward points on every Rs. 100 spent on this card.
Earn a maximum of Rs. 50 cashback per month on utility bill payment.
Earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet.
You can also cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions.

Rewards Redemption:

Credit Card Reward Redemption 
Union Bank Uni Carbon Credit Card 1 RP = Rs. 0.25
Union Select  RuPay Credit Card 1 RP = Rs. 0.25
Union Platinum RuPay Credit Card 1 RP = Rs. 0.25

Complimentary Airport Lounge Access:

Credit Card Complimentary Lounge Access
Union Bank Uni Carbon Credit Card NIL
Union Select  RuPay Credit Card You get 4 complimentary domestic and international lounge access per year.
Union Platinum RuPay Credit Card NIL

Annual Fee:

Credit Card Joining Fee Renewal Fee  Spend based waiver
Union Bank Uni Carbon Credit Card Rs. 499 + GST Rs. 499 + GST The renewal fee is waived off on spending Rs. 1,00,000
Union Select  RuPay Credit Card NIL Rs. 499 The renewal fee is waived off on spending Rs. 50,000
Union Platinum RuPay Credit Card NIL Rs.299 The renewal fee is waived off on spending Rs. 30,000

Other Fees and Charges:

Credit Card Interest Rate Cash Advance Fee  Foreign Currency Markup Reward Redemption Fee Add-on Card fee
Union Bank Uni Carbon Credit Card 2.95% p.m.
(41.75% p.a.)
3% or Rs. 200 (whichever is higher) 3% NIL NIL
Union Select  RuPay Credit Card 2.95% p.m.
(41.75% p.a.)
3% or Rs. 200 (whichever is higher) 4% NIL NIL
Union Platinum RuPay Credit Card 2.95% p.m.
(41.75% p.a.)
3% or Rs. 200 (whichever is higher) 3% NIL NIL

Documents Required:

Identity Proof Address Proof Income proof
  • PAN Card
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Rent agreement
  • Utility bills
  • Municipal or property tax receipt
  • House allotment letter issued by central or state government
  • For salaried employees - salary slip of last two months & bank statement showing salary credits.
  • For self-employed individuals - Later ITR (Income Tax Return).

How To Apply?

To apply for The Union Bank of India credit card the customers are required to visit the nearest bank branch along with the required documents mentioned above. The Union Bank of India does not provide an online facility to apply for credit cards.

Union Bank of India Application Status

  • The customers can call on 1800 22 22 44 or 1800 208 2244 to know the status of their credit card application. Kindly provide your application reference number to the customer care executive so that they can help you provide the details as soon as possible.
  • You can also write a mail mentioning the purpose of writing a mail i.e. credit card application status, along with required important information like application number, registered mobile number, etc, and send it to [email protected].
  • Apart from the above two options, you can always choose to visit the nearest bank branch. Take your credit card application reference number with you so that the bank employee can help you provide the status of your credit card application.

Customer Care

  • For credit card queries and complaints, the credit cardholders can contact the bank on toll-free number 1800 22 22 44 or 1800 208 2244.
  • The customers can also send their credit card queries and complaints by writing a mail to the bank and sending it to [email protected]
  • The customers can also get in touch with the bank from abroad by calling on the provided overseas number  +91-8061817110.

 

FAQs:

While applying for a credit card, the customer is required to submit any one from Aadhar card, voter id, passport, driving license, etc. as address proof to get a card issued from the Union Bank of India. Get copies of these documents and self-attest them and then submit them along with the application form in the nearest bank branch.

Yes, on all three credit cards the Union Bank of India provides a spend-based waiver. On Union Bank Uni Carbon Credit Card, the renewal fee of Rs. 499 + GST will be waived off on spending Rs. 1,00,000 in the previous year. On Union Select  RuPay Credit Card the renewal fee of Rs. 499 will be waived off on spending Rs. 50,000 in the previous year. Likewise, on Union Platinum RuPay Credit Card the renewal fee of Rs. 299 will be waived off on spending Rs. 30,000.

No, the Union Bank of India as of now does not provide this facility to its customers. You can only check the application status via phone banking, emailing, or visiting the nearest bank branch.

No, you need to visit the nearest Union Bank of India branch to apply for a credit card. You cannot apply directly through your phone as the bank does not provide an online facility to apply for a credit card.

No, the Union Bank of India does not charge any reward redemption fee on any of the above-listed credit cards.

No, except Union Select  RuPay Credit Card no other cards provide lounge access. With Union Select RuPay Credit Card you get 4 complimentary lounge access all around the world.

You can get your Union Bank credit card blocked either by contacting the customer care number on the toll-free numbers 1800 22 22 44 or 1800 208 2244 or by writing a mail to the bank and sending it to [email protected].

Yes, the applicant is required to have a minimum income of Rs. 2.5 lakhs p.a. for Union Bank Uni Carbon Credit Card, a minimum income of Rs. 2.5 lakhs p.a. for Union Platinum RuPay Credit Card, and a minimum salary of Rs.7.5 lakhs p.a. for Union Select RuPay Credit Card.

The credit cardholders get 21-50 days of the interest-free period on all the Union Bank of India credit cards.

Union Bank of India does not charge any add-on card fee on any of the above-mentioned credit cards.

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