Union Bank of India Credit Card

Annual Income

Occupation Type

Salaried Self Employed

Company Name

City

Personal Details

First Name

Last Name

Mobile Number

Email ID

Date of Birth

Credit Card Holder

Yes No

Credit Card provided by

I authorize Wishfin.com & its partnering banks to contact me to explain the product & I Agree to Privacy policy and Terms and Conditions.

Highlights

Apply for the Union Bank Credit Card Online.
Know all the Features of the Union Bank of India Credit Cards.
See the Fees, Charges, and Types of Union Bank Credit Cards.

The Union Bank of India is one of the oldest financial institutions, and it has always impressed its customers with its services. It also offers credit cards at zero annual and renewal fees that can be used for doing various transactions. You can have a great experience through the Union Bank of India Credit Card at different outlets in India and Outside India. It gives you various privileges and the opportunity to earn reward points. You can even enjoy an interest-free period of 50 days on the Union Bank Credit Cards. So, let’s explore the types of credit cards Union Bank offers for their features as well.

Top Union Bank Of India Credit Cards 2025

Credit Cards	Fees	Annual Fee waiver
Union Bank VISA Signature Credit Card	Joining Fee - NIL Annual Fee - Rs. 1,999 + GST	Annual fees are waived for the first year and subsequently not levied if the usage in the preceding year exceeds Rs.2,70,000.
Union Bank VISA Gold Credit Card	Joining Fee - NIL Annual Fee - Rs. 350 + GST	Annual fees are waived for the first year and waived in subsequent years if the usage in the previous year is Rs.30,000 or more.
Union Bank VISA Platinum Credit Card	Joining Fee - NIL Annual Fee - Rs. 450+ GST	Annual fees are waived for the first year and not applicable in subsequent years if the usage in the previous year is Rs.50,000 or more.
Rupay Select Credit Card	Joining Fee - NIL Annual Fee -Rs. 550 + GST	Annual fees are waived for the first year and not charged in subsequent years if the usage in the previous year exceeds Rs.50,000.
Rupay Platinum Credit Card	Joining Fee - NIL Annual Fee - Rs. 350+ GST	Annual fees are waived for the first year and not charged in subsequent years if the usage in the previous year exceeds Rs.30,000.
Union UNI-CARBON Credit Card	Joining Fee - Rs.499 + GST Annual Fee - Rs.550+ GST	Annual fees are waived for the first year and not charged in subsequent years if the usage in the previous year is Rs.1,00,000 or more.

Features of Credit Cards Offered by the Union Bank of India

Now, you must explore all the credit cards and their offers that are offered by the Union Bank of India. After exploring all the features you can make the best use of the credit card.

Union Bank VISA Signature Credit Card

The Union Bank of India VISA Signature Credit Card offers exceptional services and exclusive privileges tailored to your lifestyle, both in India and abroad.

1 free access to the Airport Lounges every quarter.
4 Reward Points on the Expenditure of every Rs.100.
Discount of 10% at the 1200 partnered restaurants.
Discount of 5% to 10% on overseas car rentals.
Accidental Death Coverage of Rs.6 Lacs and Air Accident Death Coverage of Rs.10 Lacs.
This Credit Card is equipped with an EMV chip for secured transactions.
Rs.250 is the annual charge of this card and it can be waived off with a yearly transaction of Rs.1 Lac.

Union Bank VISA Gold Credit Card

Union Bank of India VISA Gold Credit Card is designed for individuals seeking a reliable and rewarding payment solution. It offers attractive benefits, flexible payment options, and global acceptance, making it ideal for everyday expenses and special purchases.

1% fuel surcharge waiver at petrol stations nationwide, up to Rs.100 per month.
The annual fee of Rs.299 is waived with yearly spending of Rs.30,000 or more.
Personal accident coverage up to Rs.5 lakh.
Fraud protection covers up to Rs.1.5 lakh for lost/stolen card misuse.
Cashback and discounts at partner restaurants and on utility bill payments.

Union Bank VISA Platinum Credit Card

The Union Bank VISA Platinum Credit Card offers discounts and cashback on purchases made at merchant outlets, ensuring great savings with every transaction. Enjoy additional privileges like global acceptance and exclusive benefits designed to enhance your shopping experience.

Cashback and discounts at partner restaurants.
Insurance coverage up to Rs.1.5 lakh for lost or stolen cards.
1% fuel surcharge waiver at petrol stations across India, up to Rs.100 per month.
The annual fee of Rs.399 is waived with spends of Rs.50,000 or more in the previous year.

Union Bank Rupay Select Credit Card

The Union Bank of India RuPay Select Credit Card offers discounts and cashback on every purchase, making it a great choice for everyday spending. Enjoy exclusive rewards, along with added benefits that enhance your shopping experience both locally and online.

Interest-free credit period of 20 to 50 days on purchases, with flexible payment options: total outstanding, minimum due, or any amount higher than the minimum.
1% fuel surcharge reimbursement on fuel purchases, up to Rs.100 per month.
Free personal accidental insurance coverage up to Rs.10 lakh, and additional coverage up to Rs.30 lakh with a premium paid by the cardholder.
Access over 39.3 million merchants and 1.88 million ATMs globally.
Gift add-on RuPay Select Credit Cards to family members (18+), earning points redeemable with the primary cardholder's account.
Exclusive RuPay offers and cashback on dining and utility payments.
8 domestic lounge accesses (2 per quarter) and 2 international lounge accesses annually.
24/7 RuPay domestic concierge service.

Union Bank Rupay Platinum Credit Card

The Union Bank of India RuPay Platinum Credit Card offers discounts and cashback on every purchase, enhancing your shopping experience. Enjoy exclusive benefits, including fuel surcharge waivers and access to special offers at partner merchants, making it an ideal card for everyday use.

1% fuel surcharge waiver on fuel purchases at any petrol station in India using the Union Bank RuPay Platinum Credit Card.
Merchant-specific discounts and cashback on your purchases.
Spend Rs.30,000 or more in the previous year to waive the Rs.299 annual fee for the next year.
Discounts and cashback at partner restaurants and on utility bill payments.
A monthly fuel surcharge remission of up to Rs.100.
Choose from EMI options of 3, 6, 9, or 12 months on eligible purchases (excluding cash withdrawals, fuel, and gold).
Get personal accidental insurance coverage up to Rs.2 lakh in case of death or permanent disability due to an accident.
Fraudulent transactions up to Rs.1.5 lakh are covered if the card is reported lost.

Union UNI-CARBON Credit Card

The UNI CARBON Credit Card is a mid-segment fuel card that rewards you with valuable points on fuel transactions at all HPCL outlets across India. In addition to fuel benefits, the card offers exclusive discounts and cashback on a variety of everyday purchases, making it an ideal choice for those who want to maximize their savings. With a host of rewards and a fuel surcharge waiver.

Welcome bonus of up to Rs.300 on your first fuel purchase of Rs.300 or more at HPCL outlets.
16 rewards for fuel spends of Rs.500 and above
For every Rs.100 spent on non-fuel transactions, earn Rs.0.50 or 2 reward points..
Spend Rs.1.25 lakh annually to receive bonus points.
1% fuel surcharge waiver on transactions of Rs.200 or more at HPCL outlets.
Rs.4 cashback for every Rs.100 spent on fuel, plus 1.50% cash back through the HP Pay App (6 payback points).
Benefit from insurance coverage of up to Rs.10 lakh.

Benefits of Union Bank of India Credit Cards

Here are the features of the Union Bank of India Credit Card -

Joining and renewal fees of the Union Bank credit cards are nominal and can be waived.
Earn thousands of reward points through credit cards and redeem them for free.
Get a credit limit of up to 20% of your salary.
Enjoy a Free Credit Period for 50 days without any interest.
Flexi Payment option is also available on the credit cards.
Pay the bill with the Union Bank credit card online.
Enjoy Discounts on the fuel surcharge at all the refilling stations.
Convert the transactions into EMIs for the period of 3, 6, 9, 12, 18, and 24 months

Insurance Coverage of Different Union Bank of India Credit Cards

Type of Credit Card	Accidental Insurance Coverage
VISA Signature Credit Card	Rs.30 lakh (premium paid by the cardholder)
VISA Gold Credit Card	Rs.5 lakh (premium paid by the cardholder)
VISA Platinum Credit Card	Rs.10 lakh (premium paid by the cardholder)
Platinum Credit Card	Rs.2 lakh (premium paid by NPCI) Additional Rs.10 lakh (premium paid by cardholder)
Rupay Select Credit Card	Rs.10 lakh (premium paid by NPCI) Additional Rs.30 lakh (premium paid by cardholder)
UNI-CARBON Credit Card	Free personal accidental insurance coverage up to Rs.10 lakh for loss of life or permanent disability due to an accident. T&C Apply Additional coverage of Rs.10 lakh is available with a premium of Rs.65.02 (including GST), paid by the cardholder. Premiums may vary.

Annual Fees and Charges of Union Bank of India Credit Card

Type of fee	Charges
Joining Fee	Nil
Annual Fee - Main card	Rs. 350
Annual Fee - Add on card	Rs. 250
Card Replacement Charges	Rs. 149
Cash withdrawal charges at all ATMs	3% on the amount withdrawn or Rs. 200 whichever is higher
Balance Enquiry in Union Bank of India ATMs	Nil
Interest on cash advance charges	2.5% per month
Lost Card Charges	Nil
Charge Slip Request Charges	Rs. 200
Processing Fee	2%, minimum Rs. 200 and maximum Rs. 1000
Rate of Interest	16% per annum on reducing balances
Pre-closure Fee	2% of the outstanding amount under EMI is still not due
Late Payment Charges
Outstanding up to Rs. 25,000	Rs. 200
Above Rs. 25,000	Rs. 500

Apply For Union Bank of India Credit Card Online & Offline

There is an online portal for Union Bank Credit Cards where you can manage all the activities related to the card. First, you have to register yourself on the online portal and then you can manage your credit card easily.

Let’s throw some light on the features of the online and offline application process -

Online Application

To apply for a Union Bank of India Credit Card online, visit the bank's official website, select your preferred credit card, and fill out the online application form. You will need to provide the necessary documents for identity, address, and income verification. Once your application is submitted, the bank will review it, and if approved, your credit card will be issued.

Offline Application

Customers can visit the nearest Union Bank of India branch, where an official will assist with the process, including filling out the application form and submitting the required documents. The bank will review the application and documents, and if approved, dispatch the credit card within 10 working days.

Documents Required For Union Bank of India Credit Card Application

For Salaried Employee -

Address Proof of the Employee like an Aadhaar card, Electricity Bill, Telephone Bill, Passport, etc
Copy of the Applicant’s PAN Card
Salary Slip, Form 16, or Income Tax Return Document as the Income Proof

For Self-Employed -

Address Proof like business registration proof, electricity bill, passport, Aadhaar card, etc
A copy of the Applicant’s PAN Card
The most recent income tax return document, Form 16A, serves as proof of income.

Verify Your Credit Card Limit with Union Bank of India

To check your Union Bank of India credit card limit, log in to your net banking account, provided you have registered and linked your credit card to your account. Visit www.unionbankonline.co.in, go to the "Other Services" section, and you will be able to view your credit limit.

Alternatively, you can call Union Bank's customer care at 1800 2222 44 / 1800 208 2244

1800 425 1515 / 1800 425 3555 India Toll-Free Number) for assistance.

Union Bank of India Service Charges

2.5% per month on the unpaid balance, if the minimum payment is made by the due date.
2.95% per month if the minimum payment is not made by the due date.