Union Bank of India Credit Cards

You can apply for a Union Bank of India credit card that aligns with your goals and lifestyle. Check the various types of cards you can get and their fees given below:

Disclaimer: The details mentioned above may change as per the policies of the issuer. Check them before you apply.

With these credit cards, you can enjoy extensive rewards on transactions, accidental insurance coverages, and more. Here are the perks in detail:

Union JCB Wellness Credit Card

• Earn 4 reward points per ₹100 spent on shopping, groceries, dining, departmental stores, and apparel and 2 points on other eligible purchases

• Get a complimentary health check-up (once a year)

• Access a 15/30-day free trial of gym access (once a year)

RuPay Select Credit Card

• Enjoy complimentary access to domestic lounges 8 times per year and international lounges 2 times per year

• Access 24/7 RuPay domestic concierge service

• Benefit from exclusive merchant offers and cashback on restaurants, utility payments provided by RuPay

Union JCB Health Credit Card

• Enjoy free access to domestic lounges 2 times per quarter and international lounges 2 times per year  

• Get free Personal Accident Insurance coverage up to ₹10 Lakhs in case of accidental death  

• Enjoy 1% fuel surcharge waiver up to ₹100 per month  

UNI CARBON Credit Card

• Get a welcome bonus of up to ₹300 as a credit to the bill  

• Enjoy a 1% fuel surcharge waiver on transactions of ₹200 and above at HPCL-authorised outlets 

• Get free Personal Accident Insurance coverage up to ₹10 Lakhs in case of accidental death or permanent disability

RuPay Platinum Credit Card

• Get a 1% fuel surcharge waiver on fuel purchases up to ₹100 per month per card  

• Enjoy exclusive merchant offers and cashback on restaurants, eateries, and utility payments via RuPay  

• Benefit from Personal Accident Insurance coverage up to ₹2 Lakhs in case of accidental death 

VISA Signature Credit Card

• Enjoy an interest-free credit period of 20 to 50 days on purchases  

• Get a 1% fuel surcharge waiver on fuel purchases up to ₹100 in a month  

• Benefit from Group Personal Accident Insurance coverage up to ₹30 Lakhs

VISA Platinum Credit Card

• Get a 1% fuel surcharge reimbursement on fuel purchases up to ₹100 per month  

• Enjoy the option for Group Personal Accident Insurance coverage up to ₹10 Lakhs

• Access exclusive offers on hotels, shopping, car rentals, and more

VISA Gold Credit Card

• Enjoy an interest-free credit period of 20 to 50 days on purchases  

• Benefit from 1% fuel surcharge waiver (up to ₹100 per month)

• Get the option for Group Personal Accident Insurance coverage up to ₹5 Lakhs

Divaa Credit Card

• Enjoy complimentary access to domestic lounges 2 times per quarter and international lounge access 2 times per year

• Receive Personal Accident Insurance coverage up to ₹2 Lakhs in case of accidental death  

• Get 1% fuel surcharge waiver up to ₹100 per month

As a Union Bank of India credit cardholder, you are automatically enrolled in Union Rewardz, the bank's exclusive loyalty program. Under it, you earn reward points on every eligible transaction. 

 

You earn points on transactions at Point of Sale (POS) or e-commerce platforms. The reward points vary depending on the credit card variant you hold. You can redeem these points or a variety of rewards, including:

• Merchandise

• Movie tickets

• Vouchers

• Air and bus tickets

Qualification criteria may vary for different cards, so reviewing the specific requirements before applying is essential. To apply for a Union Bank of India credit card, you must meet the following general criteria:

• The primary cardholder must be between 21 to 70 years of age

• Add-on cardholders must be 18 years or older

• Income must be at least ₹1.8 Lakhs per annum

• Salaried individuals must submit Form 16 or Income Tax Returns and the latest salary slips

• Business professionals must provide Income Tax Returns and computation sheets for the last 2 years

 

Note that credit cards can also be issued against a lien on a fixed deposit with a 25% margin. These are available without income proof and credit scoring.

For verification purposes, Union Bank of India requests some documents when you apply for a credit card. Here are the requirements:

• Completed application for credit card

• 2 passport-size colour photographs

• Valid proof of identity and address

• PAN card copy as per KYC norms

• Latest Income Tax Returns for the last 2 years, Form 16, or salary slips

These cards are not available on You can apply for a Union Bank of India credit card with a few simple steps. Follow this guide: 

1. Go to the Union Bank of India website or app

2. Enter your mobile number and email ID 

3. Click on ‘SEND OTP’ and enter the OTP you get on your mobile number and email address

4. Enter your PAN details and click ‘PROCEED’

5. Fill in your Aadhaar card number and click ‘SUBMIT’ 

6. Enter the OTP you receive 

7. Fill in the required details and click on ‘SAVE & NEXT’

8. Next, you can set your credit limit 

9. Select your card and click on ‘CONFIRM & NEXT’ and await approval

 

You can also apply offline by visiting the nearest branch of Union Bank of India. You can get the application form at the branch.

Union Bank of India is one of the top public sector banks in the country. It has its headquarters in Mumbai and was founded on November 11, 1919, as a limited company. 

 

The bank offers an extensive network with over 8,500 branches and more than 9,100 ATMs across India. It offers various financial services, including loans, credit cards, debit cards, and bank accounts.

Union Bank of India credit cards have wide acceptance since they are associated with VISA, MasterCard, and RuPay payment networks.

Before applying for a Union Bank of India credit card, it is essential to be aware of the associated fees and charges. Knowing these costs can help you make informed decisions. Refer to the table below to know the key fees and charges:

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: Fees and charges may change based on updates by the issuer. Check the latest charges applicable as per the Most Important Terms and Conditions (MITC).

For any questions or concerns regarding your Union Bank of India credit card, you can contact the bank’s customer care team. Here are the details:

• Call: 1800 425 1515 (toll-free) or 040 - 2468 3210/19 (landline)

• Email: ccdhelpdesk@unionbankofindia.bank

In case the bank approves your application and you receive the card, you need to activate it to begin making transactions. Here are the various ways to activate it: 

• SMS: SMS ‘CARDACKW’ followed by the last 4-digit of your credit card number and send it to 7836884400 from your registered mobile number

• Call: Call the 24x7 toll-free helpline of the Union Bank of India at 1800 425 1515

• Credit Card Portal: Register on the credit card portal of the Union Bank of India - Union Cards and request activation

To stop using your credit card by the Union Bank of India, here is what you need to keep in mind:

• Remember that once you close your card, you will not be able to use it for future purchases. 

• Closing the card could limit your spending power and impact your credit score. When you are ready for a new card, check the options on Bajaj Markets.

• Make sure that you pay off all the dues and redeem the accumulated reward points before closing the account. 

• You can close the card account via IVR, email, and the bank’s mobile app - Union Credit Card.

Union Bank of India sends regular reminders to settle any outstanding amounts on your credit card account. The bank will send a 7-day notice before reporting you as a defaulter. 

 

You may get these reminders via phone, email, post, SMS, or through third parties. Any third party involved will follow the applicable Code of Conduct for debt collection.

 

If you default, the bank may restrict you from using your credit card. To lift these restrictions, you need to settle your outstanding dues in full. If you pay the due to the bank after being reported as a defaulter, the bank will update the status within 30 days.