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By Ankur Mittal
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Union Bank of India is a government-owned bank tracing its origin since 1919, having its headquarters in Mumbai. The bank has spread its reach throughout the country, having 10,174 branches. It has touched areas like the economy, rural and agriculture sectors, business development, merger and acquisition, banking and financial services, and a lot more, providing its customers with all-around facilities around the clock. From financial help to customer care services, it has shown its commitment to its customers. The Union Bank of India started issuing credit cards to its customers in 2005 and has won the trust of thousands of customers since then. As of June 2024, Union Bank has over 7.7 lakh active credit cards in the country. In this article, we will discuss every important detail of Union Bank of India Credit Cards.
Table of Contents
List of Best Union Bank Credit Cards in India
As mentioned above, Union Bank only offers a few credit cards, all of which have basic features and benefits. Individuals who want to get a credit card from the Union Bank of India might need help going through the features and benefits of all the cards and choosing one according to their needs. In this article, you can find the list of best Union Bank of India Credit Cards along with their detailed advantages, fees & charges, and all other required information:
(4.5/5)
Joining Fee
Nil
Renewal Fee
₹499 + GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
(4.5/5)
Joining Fee
₹999 + GST
Renewal Fee
₹999 + GST
Best Suited For
Shopping | Health
Reward Type
Reward Points
Welcome Benefits
N/A
(4.5/5)
Joining Fee
₹499 + GST
Renewal Fee
₹499 + GST
Best Suited For
Health
Reward Type
Reward Points
Welcome Benefits
N/A
(4.4/5)
Joining Fee
Nil
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.4/5)
Joining Fee
Nil
Renewal Fee
Rs. 299 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.4/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
You get Rs 300 credited on your bill amount on using your Union Uni Carbon credit card at any HPCL fuel station
(4.4/5)
Joining Fee
Rs. 200 + GST
Renewal Fee
Nil
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
NA
Union Bank Credit Cards Features and Benefits
Though Union Bank issues comparatively fewer credit cards than the other major card issuers in the country, all the cards offered by Union Bank come with some exclusive benefits across different categories. Union Bank Cards are highly affordable for everyone and provide you with a decent reward rate and several other features and benefits, of which some general ones are mentioned below:
- Welcome Benefits: Welcome benefits are the rewards/gifts offered to the cardholders when they newly receive their credit card. Generally, you get these benefits after payment of the joining membership fee (if applicable).
- Rewards/Cashback: Different credit cards come with different reward plans as some reward you in the form of points, others in the form of cashback, and so on. The Union Bank of India issues unique cards that will earn you cashback as well as reward points. However, different cards can have different reward rates.
- Travel Benefits: Some Union Bank Cards offer exclusive travel benefits, including complimentary lounge access across domestic and international airports, deals and offers on travel-related bookings, and more.
- Other Benefits: In addition to the above benefits, the cardholder may receive many other privileges, including complimentary insurance coverage, fuel surcharge waiver, zero liability protection against lost cards, and many more.
Top Union Bank of India Credit Cards
Union Bank of India offers seven credit cards, each with advantages. If you are trying to find out the bank’s top credit card offerings, we have listed them below with their detailed features. Go through them all, compare different cards, and choose the one that is the best fit for your needs.
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 it. You can also enjoy travel benefits on this card. It’s a cashback-based credit card that lets you earn cashback on various selected categories.
Union Bank Uni Carbon Credit Card
This is a fuel credit card that lets you earn reward points on fuel transactions. Customers can also earn reward points on non-fuel transactions. This card also lets you enjoy milestone benefits on achieving the spending limit of Rs. 1,00,000 or above in the previous year.
Union Platinum RuPay Credit Card
With this credit card, you can earn cashback and reward points on your spending. You also get insurance benefits and lost card protection on this card. You can redeem your reward points for purchasing movie tickets, paying utility bills, etc.
Reward Points & Cashback Benefits:
All the cards issued by the Union Bank of India come with different reward rates. It may vary depending on the annual fee of different cards. In general, a card with a higher annual fee offers a greater reward rate than a card that comes with a lower fee. Other than this, the reward rate can also be different for different categories, and you might receive reward points for some transactions and cashback for others. To understand the reward rates of Top Union Bank of India Credit Cards, refer to the following table:
| Credit Card | Reward Points |
| Union Bank of India Divaa RuPay Credit Card |
|
| Union Bank Uni Carbon Credit Card |
|
| Union Select RuPay Credit Card |
|
| Union Platinum RuPay Credit Card |
|
Rewards Redemption
The reward points you earn using your Union Bank Cards can be redeemed against a lot of options, including merchandise, travel bookings, gift vouchers, products, etc. These are available on the Union Bank’s Rewards portal named Union Rewardz. The monetary value of 1 Reward Point is ₹0.25, i.e., 4 Reward Points make ₹1. Another thing to keep in mind is that these reward points are only valid for one year from the actual date. Therefore, you need to make sure that you keep checking the validity of your earned points and redeem them before they expire.
Annual Fee
If you want to get a Union Bank Credit Card according to your requirements, you will need to compare different cards first. And while comparing them, the annual fee becomes one of the most important factors affecting your decision. Different cards come with different joining and annual fees. People who have a higher annual income should go for the cards that come with a higher fee, and those with an average income should start with the most basic cards. Refer to the following table to understand the annual fee of Top Union Bank of India Credit Cards:
| Credit Card | Joining Fee | Renewal Fee | Spend based waiver |
| Union Bank of India Divaa RuPay Credit Card | Nil | ₹499 + GST | The renewal fee is waived on spending ₹30,000 |
| Union Bank Uni Carbon Credit Card | ₹499 + GST | ₹499 + GST | The renewal fee is waived on spending ₹1,00,000 |
| Union Select RuPay Credit Card | Nil | ₹499 | The renewal fee is waived on spending ₹50,000 |
| Union Platinum RuPay Credit Card | Nil | ₹299 | The renewal fee is waived on spending ₹30,000 |
| Union Bank’s Rupay Combo Debit cum Credit Card | ₹200 | Nil | NA |
Other Fees and Charges
Along with checking the annual fee, there are various other charges linked with this credit card. Therefore, it is advisable for everyone to check all the charges applicable to the card they are going to apply for. Some of the most important fees and charges of Union Bank of India Credit Cards are mentioned below in the table:
| Criteria | Salaried Employees | Self-Employed Individuals |
| Age | 21 – 40 Years | 21 – 40 Years |
| Income | Minimum Rs. 35,000 per month | Minimum Rs. 6,00,000 per annum (as per ITR) |
Union Bank Credit Cards Eligibility Criteria
If you would like to get approved for a Union Bank Credit Card, you will have to fulfill certain eligibility requirements. There are various eligibility criteria, such as the applicant’s age, income, credit score, etc, that an applicant needs to meet before applying for this credit card. The following are the details of the eligibility criteria for the Union Bank Cards:
- Salaried applicants should be in the 18- to 60-year age bracket, and self-employed applicants should be between 18 and 70.
- The applicant should have a stable source of income.
- The applicant should have a decent credit history.
Documents Required
The following is the list of documents required to apply for Union Bank Credit Cards:
| Identity Proof | Address Proof | Income proof |
|
|
|
How To Apply For Union Bank Credit Cards?
To apply for a Union Bank of India credit card, customers must visit the nearest bank branch along with the required documents mentioned above. As of now, the Union Bank of India does not provide an online facility to apply for credit cards.
Application Status
You can check the status of your credit card application if you have already applied for a credit card:
- The customers can call on 1800 22 22 44 or 1800 208 2244 to know the status of their credit card application. or they can write a mail 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.
How To Activate Union Bank Credit Cards?
The following methods can be adopted after you have received your new Union Bank of India Credit Card; you can activate it using any of the methods mentioned below:
- You can activate your card by contacting Union Bank Credit Card customer care and asking them to help you. They will ask you for a few details and activate your card within minutes.
- Another way to activate your card is to go to the ATM nearest to you. Visit the ATM, insert your credit card, and find an option for credit card PIN generation from the main menu.
Union Bank Credit Cards Login/Net banking
If you want to get most of your credit card-related tasks done from the comfort of your home, you can easily do it via Internet banking. You can simply register your credit card for net banking as follows and avail of all the services provided there:
- Visit the Union Bank’s official website.
- Under the ‘Login’ option, click on Register Credit Card.
- Enter all the required details.
- Proceed further by accepting the terms and conditions.
- Click on Register and complete all the required formalities.
Union Bank Credit Cards Customer Care
- For credit card queries and complaints, credit cardholders can contact the bank at the 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]
- Customers can also contact the bank from abroad by calling 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.