By Divya Shokeen
Updated On October 16, 2021

Union Bank of India offers 6 credit cards and you can choose one or multiple credit cards as per your profile. Read on to more about the eligibility criteria for the Union Bank of India Credit Cards.

Union Bank of India Credit card eligibility

Eligibility Criteria for Union Bank of India credit cards

Union Bank of India follows standard eligibility criteria to issue credit cards to applicants.

  • The age requirement differs from card to card.
  • Must be a salaried or self-employed individual.
  • The income requirement also differs from card to card.
  • Must have a stable source of income.
  • Must have a good credit score.

Documents required to apply for a Union Bank of India Credit Card

Keep the given documents handy. If you are applying for a credit card online, keep the scanned copies with you, and in case if you are visiting the bank to apply take the signed photocopies with you.

Identity Proof
(any one)
adhaar Card, Driving Licence, Voter’s Id, Pan Card, Passport, or any other government-approved ID.
Address Proof
(any one)
Aadhaar Card, Passport, Utility Bills (not more than 3 months old), or any other government-approved ID.
Income Proof 
(any one)
Bank Statement or salary slip of last 3 months, last 2 years’ audited financial report,  etc.

Credit Cards offered by Corporation Bank
Given below is a list of credit cards offered by the Union Bank of India.

Credit Cards Age  Income/Salary
Union Bank Uni Carbon Credit Card 18-60 years for salaried
18-70 years for professionals
Minimum income of Rs. 2.5 lakhs p.a.
Union Bank RuPay Platinum Credit Card 18-60 years for salaried
18-70 years for professionals
Minimum income of Rs. 2.5 lakhs p.a.
Union Bank RuPay Select Credit Card 18-60 years for salaried
18-65 years for professionals
Minimum income of Rs. 7.5 lakhs p.a
Union Bank Visa Gold Credit Card 18-60 years for salaried
18-65 years for professionals
Minimum income of Rs. 1.80 lakhs p.a
Union Bank Visa Platinum Credit Card 18-60 years for salaried
18-70 years for professionals
Minimum income of Rs. 2.5 lakhs p.a.
Union Bank Visa Signature Credit Card  18-60 years for salaried
18-65 years for professionals
Minimum income of Rs. 10 lakhs p.a.

Factors that affect your Union Bank of India credit card eligibility
Age: If you do not satisfy the minimum age requirement, your credit card application will be rejected by the bank.
Income: Another aspect that affects the Union Bank of India Credit Card Eligibility is the income criteria. The income requirement for the above-given credit cards is different for each card, make sure you meet the minimum requirement to be qualified.
Credit Score: A credit score can have a negative or positive impact on eligibility. Having a low credit score or zero credit score can lead to the rejection of a credit card application.
Default in payment: Late payment of dues can badly impact the eligibility of the Union Bank of India Credit Card. Defaulting in payment can stay in your credit history for a long period which can create problems when applying for a credit card in the future.

How to improve your Union Bank of India credit card eligibility:
You can improve your Union Bank of India credit card eligibility by not sending applications for multiple credit cards at the same time. You can also improve the eligibility by paying off all the dues before or on time. While applying for a credit card fill the form with due care and avoid making mistakes in the application form. Another way is to improve your credit score and meet the age and income requirements.

FAQs:

No, to get a credit card you are required to be a salaried individual or self-employed so that you have a stable source of income.

Yes, you can contact the bank by calling on a customer care number to the mini statement of your account.

You can call on the customer care number to block your credit card.