By Ankur Mittal
Updated On August 29, 2022

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 commitment to the 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. In this article, we will discuss every important detail of Union Bank of India Credit Cards.

Union Bank of India Credit Cards

List of Best Union Bank Credit Cards in India

As mentioned above, the Union Bank only offers a few credit cards, all of them having basic features ad benefits. Individuals who want to get a credit card from the Union Bank of India might find it challenging to go through the features and benefits of all the cards and choose 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:

Table of Contents
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.

Joining Fees

Nil

Union Paltinum RuPay Credit Card Featured

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.

Joining Fees

Nil

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.

Joining Fees

Rs 499 + GST

Welcome Benefits

NA

Rewards Rate

NA

Joining Fees

Rs 200 + GST

Union Bank Credit Cards Features and Benefits

Though Union Bank issues comparatively lesser 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 of the Union Bank Cards offer exclusive travel benefits including complimentary lounge access across domestic & international airports, deals & offers on travel-related bookings, etc.
  • Other Benefits: Other than all above benefits, the cardholder may get a lot of other privileges, including complimentary insurance covers, fuel surcharge waiver, zero liability protection against lost cards, and many more.

Top Union Bank of India Credit Cards

Union Bank of India offers a total of four credit cards, each having its own advantages. If you are trying to find out the top credit card offerings by the bank, we have listed the same below with their detailed features. Go through them all, compare different cards and choose the one that seems to be the best fit for your needs

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:

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 as compared to 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 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:

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, available on the Union Bank’s Rewards portal named Union Rewardz. The monetary value of 1 Reward Point is Re. 0.25, i.e, 4 Reward Points make Re. 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 having 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 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
Union Bank’s Rupay Combo Debit cum Credit Card Rs. 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 on 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:

Interest Charges 2.95% per month
Cash Advance Fee 2.5% of the withdrawn amount or Rs. 200 (whichever is higher)
Forex Markup Fee 4% for Rupay Select, NA for RuPay Combo Card, and 3% for all other cards.

 

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 have an age bracket of 18 years to 60 years and that of s;ef-employed applicants should be 18 years and 70 years.
  • The applicant should have a stable source of income.
  • The applicant should have a decent credit history.

For more information about Union Bank Cards eligibility criteria, click here.

Documents Required:

The following is the list of documents required to apply for Union Bank Credit Cards:

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 For Union Bank Credit Cards?

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 any online facility to apply for credit cards as of now.

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 After receiving your new Union Bank of India Credit Card, you can activate it using any of the methods mentioned below:

  • You can get your card activated by contacting the Union Bank Credit Card customer care and asking them to help you with the same. They will ask you for a few details and will activate your card within minutes.
  • Another way to activate your card is to do it via an ATM nearest to you. Visit the ATM, insert your credit card, and find an option for credit card PIJN generation from the main menu.

For more ways to activate your Union Bank Credit Card, visit this page.

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 fr 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 terms and conditions.
  • Click on Register and complete all the required formalities.

For more detailed steps to register or log in to your Union Bank net banking account, click here.

Union Bank Credit Cards 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.

 

Quick Links

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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