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 the Union Bank Mastercard World Credit Card

  • Global Acceptance and Contactless Payments: The Union Bank Mastercard World Credit Card is powered by Mastercard, one of the world’s leading payment networks, ensuring seamless acceptance at millions of merchants and ATMs worldwide. Whether you’re shopping in a local store in Mumbai or dining at a high-end restaurant in Paris, this card is accepted across diverse platforms, including online, in-store, and mobile transactions. The card is equipped with contactless payment technology, allowing users to make quick and secure transactions by simply tapping the card at compatible terminals. This feature enhances convenience, especially for small-value transactions, reducing the need to carry cash or enter a PIN for purchases below a certain threshold (typically ₹5,000 in India, subject to merchant settings). Contactless payments are backed by advanced EMV chip technology, which ensures robust security by generating a unique transaction code for each purchase. This minimizes the risk of fraud and enhances user confidence in cashless transactions. Additionally, the card supports digital wallet integration, such as Google Pay, Apple Pay, and Samsung Pay, enabling users to make payments via smartphones or smartwatches, aligning with modern digital trends.
  • Zero Liability Protection: The Union Bank Mastercard World Credit Card incorporates Mastercard’s Zero Liability Protection, ensuring cardholders are not held liable for unauthorized transactions. This applies to purchases made in-store, online, over the phone, or via mobile devices, as well as ATM transactions. In the event of card loss or theft, cardholders can report the issue to Union Bank or Mastercard’s 24/7 customer service (1-800-MASTERCARD) to block the card and prevent fraudulent use. This feature provides peace of mind, particularly for high-value transactions or international usage.
Credit Card Promotion
    • Reward Points Program: A standout feature of the Union Bank Mastercard World Credit Card is its robust reward points program, designed to incentivize spending across various categories. Cardholders typically earn 4 reward points for every ₹100 spent on shopping, dining, groceries, departmental stores, and apparel, with 2 points per ₹100 on other eligible purchases. These points can be redeemed for a wide range of rewards, including vouchers, merchandise, air miles, or cashback, through Union Bank’s dedicated rewards portal. The program is structured to offer higher rewards on lifestyle-oriented spending, making it ideal for users who frequently engage in retail, travel, or dining. The reward points system is flexible, allowing cardholders to accumulate points without an expiry date (subject to bank terms) and redeem them for personalized rewards. For example, points can be converted into air miles for frequent flyers or used to offset statement balances, providing tangible financial benefits. The program also includes periodic bonus point offers during festive seasons or promotional campaigns, enhancing the card’s value proposition.
    • Travel and Lifestyle Privileges: The Union Bank Mastercard World Credit Card is tailored for frequent travelers, offering a suite of travel-related features. Cardholders gain access to select airport lounges worldwide through the Mastercard Travel Pass program, with up to 4 complimentary visits per year (subject to card variant and terms). This feature is particularly valuable for international travelers, providing a comfortable space to relax, work, or refresh during layovers. Lounge access typically includes amenities like complimentary food and beverages, Wi-Fi, and comfortable seating, enhancing the travel experience. Additionally, the card offers travel assistance services, such as help with visa and passport requirements, lost luggage recovery, and emergency medical referrals. These services are invaluable for cardholders traveling abroad, ensuring support in unfamiliar environments. The card also includes trip cancellation/interruption insurance, covering up to ₹1.5 lakh per incident for non-refundable payments if a trip is canceled or interrupted due to covered reasons like illness or natural disasters.
    • Insurance and Protection Features: The card comes with a comprehensive suite of insurance benefits to safeguard cardholders. It includes accidental death coverage of up to ₹30 lakh, providing financial security for the cardholder’s family in case of an unforeseen tragedy. The card also offers purchase protection, covering eligible items against damage or theft within 90 days of purchase, with a coverage limit of up to ₹1 lakh per claim. This is particularly useful for high-value purchases like electronics or jewelry. Another key feature is the extended warranty benefit, which doubles the original manufacturer’s warranty on eligible products for up to two additional years. This adds significant value for cardholders purchasing appliances or gadgets, ensuring long-term protection against defects. Additionally, the card includes satisfaction guarantee coverage, offering up to ₹25,000 per claim if a merchant refuses to accept a return for a new product within 60 days of purchase, with a maximum of four claims per year.
    • Fuel Surcharge Waiver: For cardholders in India, the card offers a fuel surcharge waiver of up to ₹75 per month on fuel transactions at eligible petrol pumps. This applies to transactions within a specified range (typically ₹400–₹4,000 per transaction), helping users save on fuel expenses. The waiver is automatically credited to the cardholder’s statement, making it a hassle-free benefit for those who frequently drive.
    • Flexible Credit Limit and EMI Options: The card offers a flexible credit limit, determined based on the cardholder’s income, credit score, and banking relationship with Union Bank. While the exact limit varies, it is typically higher than standard credit cards, catering to the premium segment. Cardholders can also convert large purchases into Equated Monthly Installments (EMIs) at competitive interest rates, making it easier to manage expenses like travel bookings, electronics, or furniture purchases. The EMI facility is available for transactions above a certain threshold (e.g., ₹2,500), with repayment tenures ranging from 3 to 24 months.
    • Fraud Detection and Identity Theft Protection: The card includes Mastercard ID Theft Protection, a complimentary service that monitors the cardholder’s personal information (e.g., name, address, or card details) for suspicious activity across thousands of websites. If potential identity theft is detected, cardholders receive alerts and access to a dedicated resolution specialist to assist in resolving issues. This proactive approach to security is a significant feature, especially in an era of increasing cyber threats.
    • Customizable Card Design: To enhance the premium experience, Union Bank allows cardholders to personalize their Mastercard World Credit Card with custom designs or Aadhaar-enabled features (where applicable). This adds a touch of individuality and aligns with the bank’s focus on customer-centric services.
    • Interest-Free Credit Period: The card offers an interest-free credit period of 21 to 50 days, depending on the billing cycle and transaction date. This allows cardholders to make purchases and defer payments without incurring interest, provided the outstanding balance is paid in full by the due date. This feature is particularly useful for managing cash flow and maximizing the benefits of credit without additional costs.
Who We Are

Benefits of the Union Bank Mastercard World Credit Card

  • Enhanced Travel Benefits: One of the most significant benefits of the Union Bank Mastercard World Credit Card is its travel-related perks. Cardholders enjoy up to 4 complimentary airport lounge visits per year through the Mastercard Travel Pass program, covering over 1,300 lounges in more than 500 airports worldwide. These lounges offer a serene environment with amenities like complimentary food, drinks, Wi-Fi, and business facilities, making travel more comfortable and productive. This benefit extends to a travel companion in some cases, adding value for those traveling with family or colleagues.
  • Reward Points for Everyday Spending: The card’s reward points program is a major benefit, offering 4 reward points per ₹100 spent on shopping, dining, groceries, and apparel, and 2 points per ₹100 on other eligible categories. These points can be redeemed for a variety of rewards, including gift vouchers, merchandise, air miles, or statement credits. For example, 4 reward points equate to ₹1, making the program highly rewarding for frequent spenders. The absence of an expiry date for points (subject to terms) allows cardholders to accumulate rewards over time, maximizing their value.
    • Comprehensive Insurance Coverage: The card provides robust insurance benefits, including accidental death coverage of up to ₹30 lakh. Purchase protection covers eligible items against damage or theft within 90 days.
    • Fuel Surcharge Savings: Enjoy a fuel surcharge waiver of up to ₹75/month on transactions ranging from ₹400–₹4,000 at eligible petrol pumps. This is automatically credited and is ideal for regular commuters.
    • Zero Liability for Unauthorized Transactions: With Mastercard’s Zero Liability Protection, you won’t be held responsible for unauthorized transactions. Report immediately via Union Bank’s helpline.
    • EMI Facility for Large Purchases: Convert high-value transactions into EMIs with flexible tenures (3–24 months) via online portal or customer care. Ideal for purchases like electronics, travel, or appliances.
    • Identity Theft Protection: Mastercard ID Theft Protection monitors misuse of your personal info online and alerts you of suspicious activity, offering access to a resolution specialist at no extra cost.
    • Exclusive Discounts and Offers: Get global and local offers, such as up to 7% off on Booking.com (valid till Sep 30, 2025), plus discounts on dining, shopping, and travel through Mastercard merchant partners.
    • Flexible Payment Options: Avail an interest-free period of 21 to 50 days when paying the full amount by due date. Choose from net banking, auto-debit, or branch payment options for added convenience.
Check Best Gold Loan Offers

How to Apply for the Union Bank Mastercard World Credit Card

  • Online Application Process:
  • Step 1: Visit the Official Website – Go to www.unionbankofindia.co.in, navigate to Cards > Credit Cards, and choose the Mastercard World Credit Card.
  • Step 2: Select the Card – Review card benefits and eligibility, then click on “Apply Now.”
  • Step 3: Fill the Application Form – Enter personal, employment, and income details. Existing users can log in for pre-filled forms.
  • Step 4: Upload Documents – Upload scanned identity, address, and income proof (PDF/JPEG, max 2MB).
  • Step 5: Submit and Note Reference Number – Submit the application and save the reference number for tracking.
  • Step 6: Verification and Approval – The bank verifies details, and may contact you for confirmation or additional documents.
  • Step 7: Card Delivery – Upon approval, the card will be dispatched within 5–7 working days.
  • Offline Application Process:
  • Visit a Branch: Go to the nearest Union Bank branch and request a credit card application form.
  • Fill and Submit the Form: Complete all sections with accurate information and attach self-attested documents.
  • Submit to Bank Official: Hand over the form and documents to a branch representative and collect the receipt or reference number.
  • Follow-Up: The bank will contact you for verification and process your request within 7–10 working days.
  • Application via Customer Care:
  • Call Toll-Free: Dial 8885545255 and choose the credit card option.
  • Speak to an Agent: Provide your details and express interest in the Mastercard World Credit Card.
  • Guidance Provided: The representative will assist with eligibility checks, required documents, and next steps.
  • Submit Documents: Depending on the process advised, submit documents online or at a nearby branch.
  • Track Application: Use the provided reference number to check your application status.
  • Tips for a Successful Application:
  • Ensure you meet the income, age, and credit score criteria before applying.
  • Keep scanned or photocopies of necessary documents ready in advance.
  • Maintain a credit score above 750 for better approval chances.
  • Avoid applying for multiple cards at the same time to reduce hard inquiries.
  • Respond quickly to any communication from the bank to avoid delays.
  • Tracking Your Application:
  • Online: Use your reference number to track status on the Union Bank website or app.
  • Customer Care: Call 8885545255 for real-time application updates.
  • Branch Visit: Visit the branch where you submitted your form and inquire about the status.
  • Post-Approval Steps:
  • Card Delivery: Card will arrive in 5–7 working days after approval.
  • PIN Generation: Visit any Union Bank ATM to set a Green PIN using the OTP sent to your registered mobile number.
  • Online Access: Register on the Union Credit Cards portal (unioncards.unionbankofindia.co.in) for card management.
  • Auto-Debit Setup: Link your savings account to enable automatic monthly payments and avoid late fees.

Eligibility Criteria for the Union Bank Mastercard World Credit Card

  • Who Can Apply?

    The Union Bank Mastercard World Credit Card is a premium credit card designed for high-net-worth individuals and professionals with strong financial stability and creditworthiness.

  • Age Requirements:
    • Primary Cardholder: 21 to 60 years of age.
    • Add-On Cardholder: Minimum age of 18 years.
  • Income Requirements:
    • Salaried Applicants: Minimum annual income of ₹12 lakh.
    • Self-Employed Applicants: Minimum annual income of ₹15 lakh, supported by ITRs or audited financial statements.
    • Joint Income: Spouse’s income may be considered for combined eligibility.
  • Employment and Financial History:
    • Salaried Applicants: At least 1–2 years with a reputed organization.
    • Self-Employed Applicants: Minimum 2 years of consistent business or professional income.
    • Applicants must show stable income through documents like ITRs and bank statements.
  • Credit Score and Usage:
    • Minimum credit score of 750 is recommended.
    • Applicants must have a clean credit history with no recent defaults.
    • Low credit utilization (preferably under 30%) boosts approval chances.
  • Nationality and Residency:
    • Open to Indian citizens. NRIs may apply under special conditions by contacting NRI customer care.
    • Applicants must have a permanent residential address in India.
  • Educational Background:
    • Higher qualifications like CA, MBA, or postgraduate degrees can positively influence eligibility, especially for professionals.
  • Relationship with Union Bank:
    • Having a savings/current account, loan, or fixed deposit with Union Bank improves chances of approval.
    • The bank considers past transaction history and financial behavior.
  • Credit Behavior and Application Strategy:
    • Ensure timely repayments on all existing credit cards and loans.
    • Avoid applying for multiple credit products at once to reduce hard inquiries.
    • Monitor and improve credit report regularly through CIBIL or Experian.
  • Type of Employment:
    • Applicants working with government institutions, public sector units, or MNCs may receive preference due to job stability.
  • Debt-to-Income Ratio:
    • Applicants with lower monthly EMI outflows relative to income are preferred, indicating manageable financial commitments.
  • Existing Credit Card Usage:
    • Applicants with well-managed existing credit cards (timely payments, low utilization) are considered more favorably.
  • KYC Documentation:
    • Submission of complete and accurate KYC documents (PAN, Aadhaar, income proof, address proof) is mandatory.
  • Residential Stability:
    • Applicants living at the same address for over a year are considered more stable and trustworthy.
  • Mobile and Email Verification:
    • Valid mobile number and email address are necessary for application verification and communication.
  • Digital Banking History:
    • Regular use of Union Bank's internet banking or mobile app reflects digital literacy and financial awareness.
Check Best Gold Loan Offers

Documents Required for the Union Bank Mastercard World Credit Card

  • Identity Proof:
    • Aadhaar Card – widely accepted and can also serve as address proof
    • PAN Card – mandatory for tax and financial linking
    • Passport – serves as both ID and address proof, especially for travelers
    • Voter ID – valid alternate identity proof
    • Driving License – accepted as ID and address proof if current
    • Ensure the documents are valid with clear photo and self-attestation if submitted offline
  • Address Proof:
    • Aadhaar Card (if address is current)
    • Passport with current address
    • Utility bills (electricity/water/gas not older than 3 months)
    • Registered rental agreement (with recent utility bill)
    • Voter ID or Driving License (if address matches current residence)
  • Income Proof for Salaried Individuals:
    • Last 3 months’ salary slips
    • Form 16 or ITR (last 1–2 years)
    • 6 months’ bank statement showing salary credits
    • Employment certificate or offer letter (optional if requested)
  • Income Proof for Self-Employed Individuals:
    • ITR for past 2–3 years with computation of income
    • CA-certified profit & loss statement and balance sheet (last 2 years)
    • Business registration proof (GST, Shop License, DTI/SEC)
    • 6–12 months’ bank statement showing business activity
  • Photograph:
    • 2–3 recent passport-size color photos on plain background
    • High-resolution digital version for online applications
  • Application Form:
    • Duly filled and signed form (available online or at branch)
  • Additional Documents (If Applicable):
    • Existing credit card statement (if any) for evaluating credit usage
    • Board resolution (for corporate applicants)
    • For NRIs: Passport copy, visa, overseas and Indian address proof, local contact details
  • Tips for Submission:
    • Self-attest documents for offline applications
    • Scan in PDF or JPEG (max 2MB per file)
    • Keep valid, non-expired documents
    • Organize documents as per checklist
  • Verification Process:
    • Physical verification of address by bank representative.
    • Telephonic verification with applicant or employer.

Factors Affecting Eligibility for the Union Bank Mastercard World Credit Card

  • Credit Score and History: A score of 750 or higher is typically required, reflecting responsible credit usage. The bank checks payment history, credit utilization below 30%, and the absence of recent hard inquiries.
  • Income and Financial Stability: A minimum annual income of ₹12 lakh (salaried) or ₹15 lakh (self-employed) is required. Verifiable income through salary slips or ITRs strengthens the application. A low debt-to-income ratio is preferred.
  • Employment History: Salaried applicants should have 1–2 years of continuous employment, while self-employed individuals must demonstrate 2–3 years of business activity with financial proof.
  • Age of the Applicant: Applicants must be between 21 and 60 years old. Those aged 25–45 are usually favored due to income stability and lower risk.
  • Prior Banking Relationship: A good relationship with Union Bank (savings accounts, loans, FDs) increases approval chances. Positive transaction history and timely repayments add value.
  • Credit Card Usage and Defaults: Applicants with responsible usage of existing cards—low utilization, full and timely payments—are seen as creditworthy. Defaults or high usage reduce eligibility.
  • Multiple Credit Applications: Several recent applications for credit may indicate financial distress and lower the credit score, decreasing the chances of approval.
  • Educational Qualifications: Higher education (postgraduate degrees, certifications) is often associated with better earning potential and may positively impact approval.
  • Nationality and Residency: Primarily available to Indian citizens with a permanent Indian address. NRIs may be eligible with additional documentation and verification.
  • Existing Loan Obligations: Applicants with large ongoing EMIs for home, auto, or personal loans may face tighter scrutiny. A lower overall debt burden improves approval chances.
  • Type of Employer: Those working in reputed private or public sector companies, MNCs, or government jobs may receive preference due to job stability and reliable income.
  • Location of Residence: Applicants from metro and Tier-1 cities may get faster approval due to greater bank service presence and stronger credit profiles in urban areas.
  • KYC Compliance: Proper submission of KYC documents (PAN, Aadhaar, address proof, income proof) is mandatory. Incomplete or inconsistent details can lead to rejection.
  • Digital Footprint and Payment Behavior: Consistent digital transactions, prompt bill payments, and responsible financial behavior (tracked via bank account and app data) can positively influence approval.
  • Spending Patterns: Applicants whose spending profile aligns with card benefits (e.g., travel, shopping, dining) may be prioritized to maximize card usage and loyalty.
  • Credit Mix: A balanced mix of secured (like home loans) and unsecured credit (like credit cards) in your credit report indicates diversified but manageable financial exposure.

Frequently Asked Questions (FAQs) – Union Bank Mastercard World Credit Card

1. What is the Union Bank Mastercard World Credit Card?
The Union Bank Mastercard World Credit Card is a premium credit card designed for affluent customers, offering benefits like airport lounge access, a rewarding points program, insurance coverage, and global acceptance. It’s ideal for travelers and professionals seeking luxury and convenience.
2. What are the key features of the Union Bank Mastercard World Credit Card?
Key features include global acceptance, contactless payments, EMV chip security, 4 reward points per ₹100 on select categories, 4 complimentary airport lounge visits/year, accidental death cover (₹30 lakh), purchase protection (₹1 lakh), extended warranty, and fuel surcharge waiver (₹75/month).
3. How many reward points do I earn per transaction?
Earn 4 reward points per ₹100 on shopping, dining, groceries, and apparel. All other eligible spends earn 2 points per ₹100. Points can be redeemed for vouchers, merchandise, air miles, or cashback via Union Bank’s rewards portal.
4. What travel benefits does the card offer?
Enjoy 4 complimentary airport lounge visits/year globally via Mastercard Travel Pass, travel assistance, trip cancellation insurance (up to ₹1.5 lakh), and discounts like 7% off on Booking.com (till Sep 30, 2025).
5. What insurance benefits are included with the card?
Benefits include accidental death coverage (₹30 lakh), purchase protection (₹1 lakh), extended warranty (up to 2 years), and satisfaction guarantee (₹25,000/claim, max 4 claims/year).
6. Does the card offer a fuel surcharge waiver?
Yes, get a fuel surcharge waiver of up to ₹75/month on transactions between ₹400–₹4,000 at eligible petrol stations in India.
7. How does the zero liability protection work?
Mastercard Zero Liability Protection means you won’t be held liable for unauthorized transactions after promptly reporting your card lost/stolen to Union Bank (1800 22 22 44) or Mastercard (1-800-627-8372).
8. Can I convert purchases into EMIs?
Yes, transactions above ₹2,500 can be converted into EMIs with tenures of 3 to 24 months. Apply via online banking or customer care.
9. What is the interest-free credit period?
The card provides an interest-free period of 21 to 50 days depending on your billing cycle and transaction date, applicable only if full dues are paid by the due date.
10. How does identity theft protection work?
Mastercard ID Theft Protection monitors your personal data online for misuse. If suspicious activity is found, you’ll receive alerts and access to a resolution specialist at no cost.
11. Who is eligible for the Union Bank Mastercard World Credit Card?
Indian citizens aged 21–60 years with a minimum annual income of ₹12 lakh (salaried) or ₹15 lakh (self-employed), a credit score of 750+, and a stable job/business history are eligible.
12. What documents are needed to apply?
Required documents include ID proof (Aadhaar, PAN, etc.), address proof, income proof (salary slips or ITRs), photographs, and the filled application form. Additional documents may be requested.
13. How can I apply for the card?
Apply online via www.unionbankofindia.co.in, offline at a branch, or by calling 1800 22 22 44. Approval usually takes 7–10 working days after document verification.
14. How do I track my application status?
Track your application online using your reference number, by calling 1800 22 22 44, or by visiting the branch where you applied. Updates are provided within 7–10 working days.
15. What is the minimum credit score required?
A minimum CIBIL score of 750 is typically required. A higher score boosts approval chances and credit limit. Check and rectify your credit report before applying.

List of Union Bank Mastercard World Credit Card Branches in Telangana

  • Telangana - Suryapet
  • Siddipet - Gajwel
  • Siddipet - Dubbak
  • Siddipet - Husnabad
  • Telangana - Siddipet
  • Asifabad - Kagaznagar
  • Asifabad - Sirpur
  • Telangana - Asifabad
  • Badepalle - Kalwakurthy
  • Badepalle - Achampet
  • Telangana - Badepalle
  • Bhoopalpally - Mahadevpur
  • Bhoopalpally - Eturunagaram
  • Telangana - Bhoopalpally
  • Bodhan - Yellareddy
  • Bodhan - Banswada
  • Telangana - Bodhan
  • Gajwel - Toopran
  • Gajwel - Preganapur
  • Telangana - Gajwel