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Features of the Union Bank Classic Credit Card

  • Interest-Free Credit Period: The Union Bank Classic Credit Card offers an interest-free credit period of up to 50 days. This feature allows cardholders to make purchases and defer payments without incurring interest, provided the outstanding balance is paid in full by the due date. For example, if your billing cycle ends on the 10th of the month, you have until approximately the 30th of the following month to settle the bill interest-free, offering significant flexibility for managing expenses.
  • Credit Limit Based on Income: The card provides a credit limit of up to 20% of your gross annual income, determined by Union Bank during the application process. For instance, an individual earning Rs. 5 lakh annually could receive a credit limit of up to Rs. 1 lakh, subject to creditworthiness and bank discretion. This tailored limit ensures responsible credit usage while accommodating diverse financial needs.
  • Zero Joining and Annual Fees: One of the standout credit card features is the absence of joining, annual, or renewal fees, making the Union Bank Classic Credit Card a lifetime free credit card. This cost-effective structure eliminates recurring expenses, allowing cardholders to maximize savings while enjoying the card’s benefits.
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    • EMI Facility: The card offers an EMI facility for purchases, enabling cardholders to convert high-value transactions into affordable monthly installments. For example, a purchase of Rs. 10,000 can be split into 3, 6, or 12-month EMIs, depending on merchant partnerships and bank terms. This feature is particularly useful for big-ticket purchases like electronics or travel bookings, enhancing financial flexibility.
    • 3-Factor Authentication (3FA): The Union Bank Classic Credit Card incorporates 3-Factor Authentication (3FA) for domestic online transactions, ensuring robust security. This includes a combination of card details, a One-Time Password (OTP), and a PIN, safeguarding against unauthorized usage. Additionally, SMS alerts are sent for every transaction, keeping cardholders informed in real-time.
    • EMV Chip and PIN Technology: The card is equipped with an EMV chip, which generates unique transaction data for each purchase, reducing the risk of fraud compared to magnetic strip cards. The PIN-based authentication at Point of Sale (POS) terminals adds an extra layer of security, making the card compliant with RBI’s mandate for secure transactions.
    • Contactless Payments: The Union Bank Classic Credit Card supports contactless payments, allowing transactions up to Rs. 5,000 without swiping or entering a PIN. Using Near Field Communication (NFC) technology, cardholders can tap the card at compatible terminals for quick, secure payments, ideal for small, everyday purchases like coffee or groceries.
    • Global Acceptance: Backed by Visa or MasterCard networks, the card is accepted at millions of merchants worldwide, both online and offline. This global reach makes it a versatile tool for domestic shopping, international travel, and e-commerce, ensuring seamless transactions wherever you are.
    • Add-On Cards: The card allows add-on cards for family members aged 14 and above, sharing the primary cardholder’s credit limit. This feature is ideal for managing household expenses, as add-on card transactions are consolidated into a single statement, simplifying tracking and payments.
    • Balance Transfer Facility: Cardholders can transfer outstanding balances from other credit cards to the Union Bank Classic Credit Card at competitive interest rates. This feature helps consolidate debt, potentially reducing interest costs and simplifying repayment with a single billing cycle.
    • Cash Advance Option: The card offers a cash advance facility, allowing withdrawals up to a specified limit (typically a percentage of the credit limit) at ATMs or bank branches. While a cash advance fee and interest apply from the withdrawal date, this feature provides emergency liquidity when needed.
    • Online Banking & App Integration: The card is seamlessly integrated with Union Bank’s online banking portal (www.unionbankonline.co.in) and Union Credit Card mobile app. Cardholders can check their credit limit, view statements, track transactions, and make payments conveniently. The app also supports card activation, PIN changes, and transaction disputes, enhancing user control.
    • Green PIN Facility: The Green PIN facility allows cardholders to generate or reset their card PIN via ATMs or the bank’s IVR system, eliminating the need for physical branch visits. By receiving an OTP on their registered mobile number, users can set a new PIN securely, adding convenience and security.
    • Flexible Billing Options: The card offers flexible payment options, including paying the minimum amount due (5% of the outstanding balance or Rs. 500, whichever is higher) to avoid late payment fees. However, paying only the minimum attracts interest on the remaining balance, encouraging full repayment within the interest-free period for maximum savings.
    • Why These Features Matter?: The Union Bank Classic Credit Card is designed for affordability and convenience, with features like zero fees, a robust rewards program, and advanced security making it a compelling choice for budget-conscious users. Its global acceptance and contactless payment capabilities cater to modern lifestyles, while the EMI and balance transfer facilities provide financial flexibility. Whether you’re a young professional or a seasoned cardholder, these credit card features offer a balanced mix of practicality and value, positioning the card as a reliable financial tool.
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Benefits of the Union Bank Classic Credit Card

  • No Annual or Joining Fees: The Union Bank Classic Credit Card is a lifetime free credit card, with no joining, annual, or renewal fees. This eliminates recurring costs, allowing cardholders to enjoy the card’s benefits without worrying about maintenance expenses. For example, unlike premium cards with annual fees of Rs. 1,000 or more, this card maximizes savings for users.
  • Interest-Free Credit Period: Cardholders enjoy up to 50 days of interest-free credit, enabling them to make purchases and defer payments without interest, provided the full balance is paid by the due date. This benefit is ideal for managing cash flow, especially for salaried individuals who align payments with their monthly income.
    • Fuel Surcharge Waiver: The card offers a fuel surcharge waiver of up to Rs. 75 per month on fuel transactions at eligible petrol pumps.
    • EMI Conversion for Purchases: High-value purchases can be converted into EMIs with flexible tenures (e.g., 3, 6, or 12 months) at participating merchants.
    • Reward Points on Spending: The card offers 4 reward points per Rs. 100 spent on shopping, groceries, dining, and apparel, and 2 points for other categories.
    • No Redemption Fee: Unlike many cards that charge for redeeming points, this card allows fee-free redemption, helping cardholders maximize the value of their accumulated rewards.
    • Cashback Offers: The card offers up to Rs. 50 per month on utility bill payments and mobile wallet transfers (minimum Rs. 500), plus Rs. 25 cashback on IRCTC bookings over Rs. 300—great for travelers and digital users.
    • Accidental Insurance Coverage: Complimentary coverage of up to Rs. 2 lakh for accidental death is included, with some variants providing up to Rs. 10 lakh for air travel-related accidents.
    • Dining Discounts: Enjoy an instant 10% discount at 1,200+ partner restaurants across India—perfect for frequent diners looking to save on meals.
    • Travel Booking Discounts: Benefit from 5–10% off on international car rentals and select travel bookings, adding convenience and savings for occasional international travelers.
    • Global Acceptance: Backed by Visa or MasterCard, the card is accepted at millions of ATMs and merchants worldwide for seamless international and domestic use.
    • Auto-Debit for Bill Payments: Link your Union Bank savings account to auto-pay credit card dues, ensuring timely payments and avoiding late fees.
    • Online Management Tools: Manage your card anytime via Union Bank’s app and online portal—track statements, rewards, pay bills, and more.
    • Add-On Cards for Family: Issue add-on cards to family members aged 14+, with consolidated tracking under the primary cardholder’s account.
    • Ideal for Credit Building: With a low income requirement (Rs. 3.6 lakh annually) and no annual fees, it’s a good choice for first-time users aiming to build or improve their CIBIL score through responsible use.
    • Flexible Payment Options: Pay just 5% of the outstanding amount or Rs. 500 to avoid late fees. While interest applies to the remaining balance, this helps with financial flexibility during tight months.
    • Why These Benefits Stand Out: The Union Bank Classic Credit Card blends affordability with high value through rewards, fuel waivers, insurance, and global usability.

How to Apply for the Union Bank Classic Credit Card

  • Online Application Process:
    • Step 1: Visit the Union Bank Website - Go to www.unionbankofindia.co.in, navigate to Personal Banking > Credit Cards > Union Bank Classic Credit Card, and click ‘Apply Now’.
    • Step 2: Fill the Application Form - Enter personal, employment, and financial details. Existing customers can log in for pre-filled forms.
    • Step 3: Upload Documents - Upload scanned copies (PDF/JPEG, max 2MB) of required documents.
    • Step 4: Submit and Receive Application ID - Review and submit; note down the application ID sent via SMS or email.
    • Step 5: Track Application Status - Track via Union Bank portal, mobile app, or chatbot ‘Talk to Rafa’ using your application ID or PAN number.
    • Offline Application Process:
    • Visiting a Branch: Visit nearest Union Bank branch, request the application form, fill details, submit self-attested documents and photos. Approval typically takes 10–14 working days.
    • Customer Care: Call toll-free +91 8885545255 to start application, get guidance on document submission.
    • Post-Application Steps:
    • Verification: Bank verifies documents, credit history, income stability. NRIs or high-risk profiles may require additional documents.
    • Card Delivery & Activation: Card dispatched within 7–10 working days to registered address. Activate via Union Credit Card app, website chatbot, or IVR system.
    • Tips for a Successful Application:
    • Ensure you meet eligibility criteria (age, income, credit score).
    • Maintain a strong credit score (750+ recommended).
    • Submit clear, valid, and up-to-date documents.
    • Leverage existing relationships with Union Bank for faster approval.
    • Regularly track your application and respond promptly to bank requests.
    • Common Application Challenges and Solutions:
    • Low Income: Provide reference from other bank or highlight existing Union Bank relationships.
    • Poor Credit Score: Improve credit by clearing debts or consider secured credit cards.
    • Document Issues: Ensure all documents are self-attested and consistent with application details.
    • Delayed Approvals: Contact customer care or use chatbot for status updates.

Eligibility Criteria for the Union Bank Classic Credit Card

  • Who Can Apply?

    The Union Bank Classic Credit Card is an entry-level credit card designed for salaried individuals and self-employed professionals, ensuring financial stability and responsible credit management.

  • Age Requirements:
    • Primary Cardholder:
      • Salaried individuals: 21 to 60 years of age.
      • Self-employed professionals: 21 to 65 years of age.
    • Add-On Cardholder: Minimum age of 18 years.
  • Income Requirements:
    • Salaried Applicants: Minimum annual income of ₹2.5 lakh.
    • Self-Employed Applicants: Minimum annual income of ₹2.5 lakh with proof of stable income through Income Tax Returns (ITRs) for the last two years.
    • Secured Card Option: Available against a fixed deposit with 25% margin; no income proof or credit score required.
  • Credit Score and Financial History:
    • Preferred credit score is 700 or above.
    • Good payment history with no recent defaults or late payments is essential.
    • Applicants should maintain a low credit utilization ratio (preferably below 30%).
  • Nationality and Residency:
    • Open to Indian citizens and Non-Resident Indians (NRIs).
    • NRIs must provide additional documents such as valid passport and visa.
    • Applicants should reside in cities where Union Bank offers credit card services.
  • Employment and Bank Relationship:
    • Salaried Applicants: Should have at least one year of employment with the current employer.
    • Self-Employed Applicants: Should have a business track record of at least two years.
    • Having an existing relationship with Union Bank (such as savings/current account) improves approval chances.
  • Key Factors to Enhance Eligibility:
    • Maintain a high credit score by paying bills on time.
    • Keep credit utilization below 30%.
    • Avoid applying for multiple credit cards simultaneously.
    • Ensure all application details match your submitted documents.
    • Provide consistent and accurate income proof.

Documents Required for the Union Bank Classic Credit Card

  • Identity Proof:
    • PAN Card (mandatory for all applicants)
    • Aadhaar Card (for KYC and address verification)
    • Passport (especially for NRIs)
    • Driver’s License
    • Voter ID
    • Submit clear, self-attested photocopies along with originals for verification
  • Additional Identity Documents for NRIs:
    • Valid Passport
    • Visa (work, resident, or dependent visa)
  • Address Proof:
    • Aadhaar Card (address must match current residence)
    • Recent utility bills (electricity, water, or gas bills not older than 3 months)
    • Registered rental agreement (if applicable)
    • Passport with current address
    • Ration Card
  • Address Proof for NRIs:
    • Overseas address proof like utility bills or bank statements from country of residence
    • Indian address proof (if applicable)
    • Letter from employer or government-issued document as supplementary proof
  • Income Proof for Salaried Applicants:
    • Last 3 months' salary slips from employer
    • Most recent Form 16
    • Bank statement showing salary credits for last 3 to 6 months
  • Income Proof for Self-Employed Applicants:
    • Income Tax Returns (ITR) for the past 2 years with computation sheets
    • Certified balance sheet of the business
    • Bank statement for last 6 months showing regular income
  • Documents for Secured Card Applicants (Against Fixed Deposit):
    • Fixed Deposit Receipt issued by Union Bank
    • Lien letter authorizing lien on the fixed deposit (usually 25% of deposit amount)
  • Photographs:
    • Two recent passport-size color photographs
  • Application Form:
    • Duly filled credit card application form (available online or at branch)
  • Supplementary Documents for Add-On Cards:
    • Identity proof of add-on cardholder (PAN, Aadhaar, or Passport)
    • Relationship proof (marriage certificate, birth certificate, etc.)

Factors Affecting Eligibility for the Union Bank Classic Credit Card

  • Age Requirements: Applicants must be between 21 and 60 years old for salaried individuals, and 21 to 65 years for self-employed individuals. Add-on cards can be issued to family members aged 18 and above.
  • Income Stability: A regular income source is essential. Proof such as recent salary slips or Income Tax Returns (ITR) must be submitted. The credit limit usually aligns with up to 20% of the applicant’s gross annual income.
  • Credit Score and History: A good credit score (typically above 700) and a clean credit history with timely payments, low credit utilization, and no recent defaults increase approval chances.
  • Debt-to-Income Ratio (DTI): A low DTI ratio is preferred, indicating sufficient capacity to repay. High existing debt obligations relative to income may reduce eligibility.
  • Nationality and Residency: Applicants must be Indian residents or NRIs with valid documentation. Proper KYC verification is required.
  • Credit Utilization and Existing Credit Lines: Maintaining credit utilization below 30% and limiting new credit applications improve chances of approval.
  • Employment Stability: Salaried applicants should have at least one year of continuous employment with the current employer. Self-employed applicants must show at least two years of consistent business operations.
  • Documentation Accuracy: Complete and valid documents such as ID proof (Aadhaar, PAN), address proof (utility bills, passport), and income proof (salary slips, ITR) are mandatory for processing.
  • Banking Relationship: Existing customers with a good transaction history and relationship with Union Bank may have higher chances of approval and preferential credit limits.
  • Employment Type: Permanent employees are preferred over contractual or temporary workers, as stability is valued by the bank.
  • Credit Behavior: Applicants with a history of timely EMI payments, loan repayments, and no record of defaults or write-offs are favored.
  • Loan Obligations: Applicants with fewer or manageable existing loan obligations (home loans, personal loans) are more likely to be approved.
  • Residence Duration: Applicants residing at their current address for at least 2 years show stability and are preferred.
  • Age of Credit History: A longer credit history with positive repayment records strengthens eligibility.
  • Purpose of Credit Card: Providing a clear and valid reason for needing the card (travel, shopping, business expenses) can positively influence the bank's decision.
  • Referral or Recommendations: Referrals from existing Union Bank customers or employees may boost approval chances.
  • Financial Obligations with Other Banks: Minimal outstanding dues or no defaults on loans or cards from other banks is beneficial.

Frequently Asked Questions (FAQs) – Union Bank Classic Credit Card

1. What is the Union Bank Classic Credit Card?
The Union Bank Classic Credit Card is a basic credit card offering features like cash advances, reward points, and easy installment plans, suitable for everyday spending.
2. What are the eligibility criteria?
Applicants must be at least 21 years old (up to 65), have a stable income, and meet Union Bank’s credit assessment requirements.
3. What is the credit limit?
The limit varies based on income, credit history, and bank evaluation. New cardholders usually get a moderate limit that can increase over time.
4. Are there annual fees?
Yes, there’s an annual fee, but Union Bank sometimes waives it for the first year or offers fee reversals based on spending.
5. How do I earn rewards?
Cardholders earn reward points on purchases (e.g., ₱1 = 1 point). Points can be redeemed for shopping vouchers, gadgets, or airline miles.
6. Is there an interest-free installment option?
Yes, the card offers 0% installment plans on select retail partners and online purchases (terms apply).
7. What are the cash advance features?
You can withdraw cash up to a portion of your credit limit, but it incurs a fee (e.g., 3-5%) plus interest from the transaction date.
8. How can I pay my bill?
Payments can be made via:
  • Union Bank branches/ATMs
  • Online banking/Mobile app
  • Bayad Center, GCash, or other payment partners
9. What’s the late payment fee?
Late payments incur a penalty fee (e.g., ₱500–1,000) and interest charges (typically 3% monthly on unpaid amounts).
10. How do I contact customer service?
Call Union Bank’s 24/7 hotline at +91 8885545255
For the latest details, visit Union Bank’s official website or check your card’s terms and conditions.

List of Union Bank Classic Credit Card Branches in Bangalore

  • Bangalore - M G Road
  • Bangalore - Jayanagar
  • Bangalore - Koramangala
  • Bangalore - Indiranagar
  • Bangalore - Malleswaram
  • Bangalore - Rajajinagar
  • Bangalore - Basavanagudi
  • Bangalore - BTM Layout
  • Bangalore - Whitefield
  • Bangalore - Electronic City
  • Bangalore - HSR Layout
  • Bangalore - J P Nagar
  • Bangalore - Banashankari
  • Bangalore - Fraser Town
  • Bangalore - Shivajinagar
  • Bangalore - Yelahanka
  • Bangalore - Vijayanagar
  • Bangalore - Domlur
  • Bangalore - Sadashiva Nagar