Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
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 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 January 2024, Union Bank has over 80,000 active credit cards in the country. In this article, we will discuss every important detail of Union Bank of India Credit Cards.
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:
Shopping |
Reward Points
Shopping |
Reward Points
Fuel |
Reward Points
Travel |
Reward Points
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:
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
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.
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.
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.
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. |
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.
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 |
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:
Criteria | Salaried Employees | Self-Employed Individuals |
Age | 21-40Years | 21-40 years |
Income | Minimum Rs. 35,000 per month | Minimum Rs. 6,00,000 per annum (as per ITR) |
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:
For more information about Union Bank Cards eligibility criteria, click here.
The following is the list of documents required to apply for Union Bank Credit Cards:
Identity Proof | Address Proof | Income proof |
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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.
You can check the status of your credit card application if you have already applied for a credit card:
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:
For more ways to activate your Union Bank Credit Card, visit this page.
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:
For more detailed steps to register or log in to your Union Bank net banking account, click here.