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Features of the Union Bank Gold Credit Card

  • EMV Chip and PIN Security: The Union Bank Gold Credit Card is equipped with an EMV Chip and PIN technology, ensuring secure transactions both online and at Point of Sale (POS) terminals. This advanced security feature protects against counterfeiting and skimming, adhering to the Reserve Bank of India’s guidelines for secure card usage. The chip processes transactions in a highly secure environment, reducing the risk of fraud. Additionally, every transaction is accompanied by an SMS alert, keeping you informed of your spending in real time.
  • 3FA Authentication for Online Transactions: For online purchases, the card employs Three-Factor Authentication (3FA), adding an extra layer of security. This includes the card number, CVV, and a One-Time Password (OTP) sent to your registered mobile number. This ensures that your Union Bank Gold Credit Card transactions on e-commerce platforms are protected against unauthorized access.
  • Flexible Credit Limit: The Union Bank Gold Credit Card offers a credit limit of up to 20% of your gross annual income, providing significant purchasing power. For example, if your annual income is Rs. 5 lakh, you could access a credit limit of up to Rs. 1 lakh, subject to the bank’s approval. This flexibility makes the card suitable for both small and large purchases.
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    • Adjustable Credit Limit: The credit limit can be adjusted based on your financial profile and repayment history. Responsible usage and timely payments may lead to a higher limit over time.
    • Interest-Free Credit Period: Enjoy an interest-free credit period of 20 to 50 days on purchases, provided the full outstanding amount is paid by the due date. This feature is ideal for managing cash flow.
    • Reward Points Program: Earn 4 reward points per Rs. 100 on select categories like shopping and groceries, and 2 points per Rs. 100 on other eligible spends. Points can be redeemed for merchandise, vouchers, or cashback.
    • No Redemption Fee: Unlike some credit cards that charge a fee for redeeming rewards, the Union Bank Gold Credit Card allows you to redeem points without any additional cost. This makes it easier to enjoy the benefits of your accumulated points, whether you’re redeeming for travel perks or shopping vouchers.
    • Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on transactions at any petrol station across India, with a maximum waiver of Rs. 100 per month. This feature is particularly beneficial for frequent drivers, helping reduce fuel expenses. For instance, if you spend Rs. 10,000 on fuel monthly, you save Rs. 100 on the surcharge, adding up to significant savings over time.
    • EMI Conversion Facility: Convert purchases into EMIs for 3, 6, 9, 12, 18, or 24 months at competitive interest rates. For example, a Rs. 50,000 purchase can be converted into affordable monthly payments.
    • Global Acceptance: Accepted at over 9 lakh merchants in India and 29 million merchants worldwide, this card ensures seamless domestic and international usage.
    • Add-On Card Facility: The card offers an add-on card facility for family members above 18 years, allowing them to enjoy the same benefits as the primary cardholder. The add-on card shares the primary card’s credit limit, and its annual fee is Rs. 250, compared to Rs. 299 for the primary card. This feature is ideal for families looking to manage shared expenses while earning rewards collectively.
    • Transaction Alerts and Management: Every transaction made with the Union Bank Gold Credit Card triggers an instant SMS alert to your registered mobile number, ensuring transparency and security. This feature helps you monitor spending, detect unauthorized transactions, and manage your budget effectively.
    • Online Card Management: Through the Union Credit Card App or the bank’s online portal (www.unionbankonline.co.in), you can manage your card effortlessly. Features include viewing statements, tracking unbilled transactions, setting spending limits, enabling/disabling international transactions, and generating a PIN instantly. The app’s user-friendly interface ensures you have full control over your credit card features.
    • Secured Card Option: For those who may not meet the income or credit score requirements, the Union Bank Gold Credit Card can be issued against a fixed deposit with a minimum amount of Rs. 25,000 and a maximum of Rs. 5 lakh. This secured card option requires no income proof or credit scoring, making it accessible to a broader audience. The credit limit is typically set at 75-80% of the fixed deposit amount, providing a safe entry into credit card usage.
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Benefits of the Union Bank Gold Credit Card

  • Financial Savings on Utility Bills: Cardholders can enjoy cashback of up to Rs. 50 per month on utility bill payments such as electricity, water, or internet bills. This makes it easier to manage household expenses while saving up to Rs. 600 annually.
  • Dining Discounts Across India: Get up to 10% cashback or discounts at over 1,200 partner restaurants across India. Whether dining out or ordering in, cardholders benefit from reduced dining costs—for instance, Rs. 200 off on a Rs. 2,000 bill.
  • Cashback on IRCTC Bookings: Receive up to Rs. 25 cashback per month on IRCTC transactions (minimum Rs. 300 spend). Ideal for frequent train travelers, this feature promotes budget-friendly travel.
    • Financial Protection: The included insurance coverage, such as personal accident insurance and lost card liability protection, provides financial security.
    • Cost-Effective Fee Structure: The annual fee waiver, achievable by meeting a reasonable spending threshold, makes the card cost-effective. This encourages active usage without extra costs for regular users.
    • Global Usability: The card’s acceptance worldwide, powered by Visa or RuPay, enables hassle-free transactions internationally, benefiting travelers and online shoppers.
    • Debt Management Support: Features like balance transfer and EMI conversion help cardholders manage and reduce interest costs by consolidating debt and spreading large payments.
    • Convenience Through Technology: Contactless payments and integration with the PNB Genie app make transactions quick and account management easy on the go.
    • Family Benefits: Add-on cards extend cashback, rewards, and benefits to family members, while the primary cardholder controls the credit limit for responsible use.
    • Interest-Free Credit: Up to 50 days of interest-free credit provides flexibility to make purchases without immediate payment pressure, if dues are paid on time.
    • Exclusive Merchant Discounts: Cardholders get access to special offers and discounts at partner merchants, including e-commerce, dining, and retail outlets.
    • Fuel Cost Savings: The fuel surcharge waiver reduces refueling costs, adding value for vehicle owners.
    • Improved Credit Score: Responsible use and timely payments can help enhance the cardholder’s credit rating for future borrowing.
    • Fraud Protection: Advanced security features like EMV chip and OTP verification safeguard cardholders from fraudulent transactions.
    • Tailored Credit Limits: Credit limits are customized based on financial profile, helping avoid overspending while meeting spending needs.
    • Flexible Payment Options: Billing cycles and EMI options allow cardholders to align payments with income patterns for easier management.
    • 24/7 Customer Support: Round-the-clock support helps with emergencies, lost cards, or billing issues anytime.
    • Eco-Conscious Options: Availability of eco-friendly card variants appeals to users focused on sustainability.
    • Holistic Financial Management: Combining cashback, rewards, and digital tools, the card supports comprehensive financial planning and spending.

How to Apply for the Union Bank Gold Credit Card

  • Choose Your Preferred Application Method:
    • Apply online through the Union Bank Credit Card portal or official website.
    • Visit the nearest Union Bank branch for offline application.
    • Contact Union Bank customer care to start your application via phone.
  • Online Application Process:
    • Visit the official Union Bank credit card portal and select the Gold Credit Card.
    • Fill in the online application form with accurate personal, employment, and financial details.
    • Upload scanned copies of identity proof, address proof, and income proof in accepted formats (PDF/JPEG).
    • Submit the application and note down the reference number for tracking.
  • Offline Application Process:
    • Visit the nearest Union Bank branch and request the Gold Credit Card application form.
    • Fill the form manually with correct details and attach self-attested photocopies of required documents.
    • Submit the completed form; bank officials will assist you with processing and provide a reference number.
  • Application via Customer Care:
    • Call Union Bank customer care and provide your details to receive assistance in initiating the application.
    • You may receive the application form via email or post to complete and submit.
  • Check Pre-Approved Offers:
    • Existing Union Bank customers can check pre-qualified offers via net banking or mobile banking apps.
    • Pre-approved applicants enjoy simplified application and faster approval.
  • Track Your Application:
    • Track your application status online using the reference number on the Union Bank credit card portal.
    • Alternatively, contact customer care at 91 8885545255 for updates.
  • Verification Process:
    • Union Bank may conduct phone or physical verification to confirm your submitted information.
    • Ensure all documents and details are accurate to avoid delays.
  • Post-Approval Steps:
    • Upon approval, the credit card is dispatched within 7-10 working days to your registered address.
    • Activate the card by sending an SMS with ‘CARDACKW’ followed by the last four digits of your card number to 91 8885545255 from your registered mobile number.
    • Set your PIN for secure transactions and register for online banking or mobile banking to manage your card.
  • Tips for a Successful Application:
    • Maintain a credit score of 750+ for better approval chances.
    • Submit complete and valid documentation to avoid rejection or delays.
    • Apply through only one channel to avoid multiple hard inquiries on your credit report.

Eligibility Criteria for the Union Bank Gold Credit Card

  • Age Requirements:
    • Salaried Individuals: Must be between 18 and 65 years old.
    • Self-Employed Professionals: Age limit up to 70 years.
    • Add-On Cardholders: Minimum age is 18 years, no upper age limit.
  • Income Requirements:
    • Minimum annual income of ₹2.5 lakh for both salaried and self-employed applicants.
    • Salaried Applicants: Should provide salary slips or Form 16 as income proof.
    • Self-Employed Applicants: Must submit Income Tax Returns (ITRs) with computation sheets for last 2 years.
    • Fixed Deposit Option: Apply against fixed deposit with 25% margin, no income proof required.
  • Credit History and Score:
    • Preferred credit score above 750 for smooth approval.
    • Timely repayment of existing credit obligations is important.
    • Low credit utilization ratio (below 30%) improves eligibility.
  • Nationality and Residency:
    • Available to Indian residents and NRIs.
    • NRIs may need to provide additional documentation; contact +918061817110 for support.
  • Employment and Professional Status:
    • Salaried Employees: Stable job history with reputed employer required.
    • Self-Employed Individuals: Proof of business continuity and income stability needed.
    • Prior banking relationship with Union Bank may enhance chances.
  • Additional Factors Affecting Eligibility:
    • No recent defaults or settled delinquent accounts.
    • Limited number of recent credit inquiries.
    • Educational qualifications may influence credit limit consideration.
  • How to Enhance Your Eligibility:
    • Maintain a good credit score by timely payments.
    • Keep credit utilization low.
    • Submit accurate and up-to-date income proof.
    • Avoid applying for multiple credit cards simultaneously.
  • Document Verification:
    • Applicants must submit valid and self-attested KYC documents such as Aadhaar, PAN card, and address proof.
    • Incomplete or mismatched documents can lead to application rejection.
  • Existing Relationship with Union Bank:
    • Having a savings or salary account with Union Bank can expedite the approval process.
    • Union Bank may offer preferential credit limits and processing speed to existing customers.
  • Compliance with Regulatory Norms:
    • Applicants must comply with RBI and other regulatory guidelines related to credit card issuance.

Documents Required for the Union Bank Gold Credit Card

  • Identity Proof:
    • Self-attested copy of Aadhaar card (preferred), PAN card, voter ID, passport, or driving license
    • Ensure the ID has a clear photograph and matches the name in the application
  • Address Proof:
    • Aadhaar card, passport, voter ID, or driving license
    • Recent utility bill (electricity, water, or gas) not older than 3 months
    • Rental agreement (if applicable)
    • Address on the proof must match the application
  • Income Proof for Salaried Individuals:
    • Last 3 months’ salary slips
    • Form 16 or employment certificate
    • Bank statement showing salary credits for the past 6 months
  • Income Proof for Self-Employed Individuals:
    • ITR for last 1–2 years
    • Financial statements or audited balance sheets
    • Bank statement for past 6 months to prove income stability
  • PAN Card:
    • Mandatory for financial verification and tax compliance
    • Ensure accuracy of PAN details to avoid delays
  • Passport-Size Photographs:
    • Two recent photographs for the application form and card issuance
  • Proof of Existing PNB Account:
    • Bank passbook or statement showing at least 6 months of transactions
    • Applicable if you already hold a PNB savings or current account
  • Additional Documents for Add-On Cards:
    • Identity and age proof of the add-on cardholder (e.g., Aadhaar, passport)
  • Documents for Cards Against Fixed Deposits:
    • FD receipt or certificate in the applicant’s name
    • Minimum FD value of ₹1.6 lakh for up to 80% credit limit against FD

Factors Affecting Eligibility for the Union Bank Gold Credit Card

  • Minimum Age and Citizenship: Applicants must be Indian citizens aged between 21 and 65 years to meet the basic eligibility requirement for this credit card.
  • Credit Score Health: A good credit score, preferably 750 or above, reflects creditworthiness.
  • Monthly Income Level: A consistent monthly income that meets Union Bank’s internal threshold is essential. Salaried individuals and self-employed professionals must show sufficient income to support timely repayments.
  • Employment or Business Continuity: Salaried applicants should have a stable job for at least 6 months. Self-employed individuals should have at least 1–2 years of business history with consistent cash flow.
  • Existing Loans and Liabilities: Applicants with manageable existing loans and a healthy debt-to-income ratio have higher approval chances. Excessive debt may indicate repayment strain and affect creditworthiness.
  • Relationship with Union Bank: Having a pre-existing savings or current account with Union Bank for over 6 months with regular transactions builds trust and may support a smoother approval process.
  • Credit Card Usage Patterns: Low credit utilization on existing cards reflects financial discipline. Utilization above 30% of available limits could be viewed as a red flag by lenders.
  • Recent Credit Inquiries: Applying for multiple credit products in a short span can lead to several hard inquiries, potentially lowering the credit score and raising concerns about financial urgency.
  • Document Authenticity and Completeness: Inaccurate or missing documents can delay approval or lead to outright rejection. All forms and proofs submitted should be current, valid, and consistent.
  • Repayment and Default History: Any past defaults, missed EMIs, or delayed payments negatively impact eligibility. A clean repayment history enhances the chances of approval and favorable credit limits.
  • Type of Employment: Government employees, professionals (like doctors or CAs), and employees of reputed private companies may be viewed more favorably during the evaluation process.
  • Geographic Location: Applicants residing in serviceable urban and semi-urban locations with easy KYC verification access may receive faster approvals compared to those in remote areas.

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

1. What are the benefits of the Union Bank Gold Credit Card?
Cashback/rewards on spends
Fuel surcharge waiver
Discounts on dining, shopping, and travel
Complimentary airport lounge access (if applicable)
EMI conversion options
2. What is the joining/annual fee for this card?
The card may have a joining fee (one-time) and an annual fee, but some variants may offer a waiver on spending a certain amount annually.
3. Is there a fuel surcharge waiver?
Yes, most Union Bank Gold Credit Cards offer a 1% fuel surcharge waiver (terms & conditions apply).
4. What is the credit limit on this card?
The limit varies based on income, credit score, and bank policy, but Gold cards typically offer a moderate to high limit compared to entry-level cards.
5. How can I redeem rewards/cashback?
Rewards can be redeemed via the Union Bank reward portal, mobile app, or customer care.
6. Does this card offer EMI conversion?
Yes, you can convert large purchases into No-Cost EMIs or low-interest EMIs (subject to bank terms).
7. Is there an interest-free period?
Yes, usually up to 50 days (if the full amount is paid by the due date).
8. How can I apply for the Union Bank Gold Credit Card?
Online via Union Bank’s website, branch visit, or through agent referrals.
9. What are the eligibility criteria?
Minimum age: 21 years
Salaried/self-employed with a stable income
Good credit score (usually 650+)
10. How do I check my credit card bill & make payments?
Via Union Bank’s net banking, mobile app, or auto-debit setup. Payments can be made through UPI, NEFT, or debit card.

List of Union Bank Gold Credit Card Branches in Karnataka

  • Bangalore - R T Nagar
  • Bangalore - Peenya
  • Bangalore - Banaswadi
  • Bangalore - Chamrajpet
  • Bangalore - Mahalakshmi Layout
  • Mysore - V V Mohalla
  • Mysore - Siddarthanagar
  • Mysore - Saraswathipuram
  • Mysore - Devanur
  • Mysore - Jayalakshmipuram
  • Mangalore - Hampankatta
  • Mangalore - Kankanady
  • Mangalore - Bejai
  • Mangalore - Surathkal
  • Mangalore - Kadri
  • Hubli - Deshpande Nagar
  • Karnataka - Bangalore
  • Mysore - Kuvempu Nagar
  • Karnataka - Mysore
  • Karnataka - Mangalore