Select your profession
Enter Pincode
Personal Details
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.

-
- 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.

-
- 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.