info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Features of Union Bank of India Credit Cards

  • Wide Range of Cards: Lifestyle, Travel, Shopping, Fuel, and Premium cards.
  • Reward Points: Earn points on every spend, redeemable for gifts, vouchers, or cashback.
  • Contactless Payments: NFC-enabled cards for secure & quick transactions.
  • Fuel Surcharge Waiver: Get waived fuel surcharges at selected petrol pumps.
  • EMI Facility: Convert big purchases into easy EMIs.
  • Zero Liability Protection: Fraud protection against unauthorized transactions.
  • Complimentary Insurance: Some cards offer travel or purchase protection.
Credit Card Promotion
Who We Are

Benefits of Union Bank Credit Cards

  • Cashback & Discounts: Exclusive offers on dining, shopping, and travel.
  • Airport Lounge Access: Complimentary access with premium cards.
  • Welcome Benefits: Bonus reward points or gifts on joining.
  • Interest-Free Period: Up to 50 days (varies by card type).
  • Easy Bill Payments: Auto-debit, online, or mobile banking options.
  • Add-on Cards: Share benefits with family members.
Check Best Gold Loan Offers

How to Apply for a Union Bank Credit Card?

  • Online Application: Select the desired card & click "Apply Now."
  • Fill in details: Personal, employment, and financial details.
  • Upload required documents: ID, address, income proof.
  • Submit & await verification: Bank will verify details and process application.

Eligibility Criteria

  • Age: 21-65 years (Primary), 18+ for add-on cards.
  • Income Requirement: Salaried: Minimum ₹15,000–₹25,000/month (varies by card), Self-Employed: Minimum annual income ₹2–5 Lakhs.
  • Credit Score: 700+ preferred.
  • Employment Stability: At least 1 year in current job/business.
Check Best Gold Loan Offers

Factors to Consider Before Choosing a Card

  • Spending Habits: Travel, Shopping, Fuel, etc.
  • Annual Fees & Charges: Some cards have lifetime free options.
  • Reward Points Redemption Policy: Check expiry & redemption options.
  • Interest Rates & Late Payment Fees: Understand the cost of revolving credit.
  • Special Offers & Discounts: e.g., Amazon/Flipkart deals.

Usage of Union Bank Credit Cards

  • Shopping: Online & offline purchases with rewards.
  • EMI Conversions: Big-ticket purchases on No-Cost EMI.
  • Travel Bookings: Discounts on flights, hotels, and rail tickets.
  • Fuel Expenses: Surcharge waivers at partner petrol pumps.
  • Bill Payments: Utility, mobile recharge, and subscription payments.
  • Contactless Payments: Tap & pay for faster checkouts.

FAQs on Union Bank Credit Cards

How to check my Union Bank credit card balance?
Via SMS: Send "UBICCBAL XXXX" (last 4 digits) to 567676. Online: Log in to Union Bank Internet Banking or Mobile App. Customer Care: Call 8885545255.
What is the credit limit on Union Bank cards?
Depends on income, credit score, and card type (usually starts from ₹25,000).
How to activate my Union Bank credit card?
IVR Activation: Call customer care & follow instructions. Net Banking: Log in & activate via card services. SMS: Send "UBICCACT XXXX YYYY" (last 4 digits & DOB in DDMMYYYY format) to 567676.
Are there any joining/annual fees?
Some cards are lifetime free, while premium cards may have fees (₹500–₹5,000).
How to redeem reward points?
Log in to Union Bank Rewards Portal → Choose redemption option (gift vouchers, cashback, etc.).
What if my card is lost/stolen?
Immediately block via: SMS: "UBICCLOS XXXX" to 567676. Customer Care: 1800 222 244. Net Banking/Mobile App.
How to increase my credit limit?
Submit an income proof & request via customer care/net banking. Automatic limit revisions based on good repayment history.
What is the interest rate on unpaid dues?
Typically 3–3.5% per month (~36–42% p.a.).
Can I get an add-on card?
Yes, apply via net banking or branch (nominee must be family member).
How to pay my credit card bill?
Online: Net Banking, UPI, NEFT, or Mobile App. Auto-Debit: Link to a Union Bank savings account. Offline: Cash deposit at any Union Bank branch.

List of Union Bank of India Credit Cards