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:
- Joining Fee₹12,499 + GST
- Annual Fee₹12,499 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
5 Reward Points/₹125 Spent on Eligible Categories
Welcome Benefits
N/A
- Joining Fee₹2,400 + GST
- Annual Fee₹2,400 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
4 Reward Points/₹100 Spent on Eligible Categories
Welcome Benefits
4,000 Reward Points on Spends of ₹10,000 in the First 30 Days of Card Issuance
- Joining FeeNil
- Annual Fee₹499 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
2 RP for every ₹100 spent
Welcome Benefits
N/A
- Joining FeeNil
- Annual Fee₹1,499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 Reward Points/₹100 Spent
Welcome Benefits
N/A
- Joining Fee₹999 + GST
- Annual Fee₹999 + GST
- Best Suited ForShopping | Health
- Rewards TypeReward Points
Rewards Rate
4 RP for every ₹100 spent on dining, shopping, groceries, etc. 2 RP for every ₹100 spent on other spends
Welcome Benefits
N/A
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForHealth
- Rewards TypeReward Points
Rewards Rate
2 RP for every ₹100 spent
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeRs. 499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
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.
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeRs. 299 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
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.
Welcome Benefits
N/A
- Joining FeeRs. 499 + GST
- Annual FeeRs. 499 + GST
- Best Suited ForFuel
- Rewards TypeReward Points
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.
Welcome Benefits
You get Rs 300 credited on your bill amount on using your Union Uni Carbon credit card at any HPCL fuel station
- Joining FeeRs. 200 + GST
- Annual FeeNil
- Best Suited ForTravel
- Rewards TypeCashback
Rewards Rate
N/A
Welcome Benefits
N/A
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 |
- 2 RP for every ₹100 spent
|
| Union Bank Uni Carbon Credit Card |
- 16 reward points on every ₹500 spent on fuel transactions. 2 reward points on every ₹100 spent on non-fuel transactions.
|
| Union Select RuPay Credit Card |
- Earn 4 reward points on every ₹100 spent on this card.
- Earn a maximum of ₹50 cashback per month on utility bill payments.
- Earn a maximum of ₹50 cashback per month on a minimum transaction of ₹500 in your mobile wallet.
- You can also get a cashback of ₹25 on spending a minimum of ₹300 spent on IRCTC transactions.
|
| Union Platinum RuPay Credit Card |
- Earn 2 reward points on every ₹100 spent on this card.
- Earn a maximum of ₹50 cashback per month on utility bill payments.
- Earn a maximum of ₹50 cashback per month on a minimum transaction of ₹500 in your mobile wallet.
- You can also get a cashback of ₹25 on spending a minimum of ₹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. 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 |
- PAN Card
- Aadhar Card
- Voter ID
- Passport
- Driving Licence
|
- Aadhar Card
- Voter ID
- Passport
- Driving Licence
- Rent agreement
- Utility bills
|
- 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 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 creditcards@unionbankofindia.com.
- 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 creditcards@unionbankofindia.com
- Customers can also contact the bank from abroad by calling the provided overseas number, +91-8061817110.
