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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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- 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.