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Features of Union Bank Medical Credit Card

  • Overview of the Card’s Purpose: The Union Bank Medical Credit Card, conceptualized here as a credit card tailored for medical expenses (or a general card like the RuPay Select Credit Card with applicable features), is designed to provide financial flexibility for healthcare-related expenditures. It offers a range of features that cater to individuals seeking to manage medical costs, such as hospital bills, doctor consultations, and pharmaceutical purchases, while also providing general credit card functionalities. The card is crafted to combine convenience, rewards, and security, making it a versatile tool for both medical and everyday financial needs.
  • Interest-Free Credit Period: One of the standout features is the interest-free credit period, which ranges from 21 to 50 days. This allows cardholders to make medical payments without incurring interest if the balance is paid in full within the stipulated period. For example, if a cardholder uses the card to pay for a hospital bill on the first day of the billing cycle, they have up to 50 days to settle the amount interest-free, providing significant breathing room for managing large medical expenses.
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    • High Accidental Insurance Coverage: The card offers accidental insurance coverage, with limits up to ₹30 lakh depending on the variant. This feature is particularly valuable for medical emergencies, as it provides financial protection in case of accidents requiring hospitalization or treatment. The insurance can cover costs such as emergency medical care, surgeries, or even compensation in case of disability or death, ensuring peace of mind for cardholders.
    • EMI Facility for Medical Expenses: The card includes an EMI (Equated Monthly Installment) facility, allowing cardholders to convert large medical bills into manageable monthly payments. For instance, a ₹50,000 hospital bill can be spread over 6, 12, or 24 months, reducing the immediate financial burden. This feature is ideal for planned medical procedures like surgeries or dental treatments, where costs can be significant.
    • Reward Points on Medical and General Purchases: Cardholders earn reward points on transactions, including those at hospitals, clinics, and pharmacies. For example, the card may offer 4 reward points per ₹100 spent on medical services, groceries, dining, and apparel, and 2 points on other eligible purchases. These points can be redeemed for medical-related rewards, such as discounts on pharmacy purchases or health insurance premiums, enhancing the card’s utility for healthcare needs.
    • Fuel Surcharge Waiver: The card provides a fuel surcharge waiver of up to ₹75 per card per month, which is beneficial for cardholders who travel frequently for medical appointments or emergencies. This feature reduces the cost of fuel expenses, indirectly supporting medical-related travel, such as visits to hospitals or specialists in different cities.
    • Complimentary Lounge Access: For cardholders traveling for medical treatment, the RuPay Select variant offers 4 free lounge accesses per year at select airports. This is particularly useful for those undergoing treatment at specialized medical centers away from home, providing a comfortable waiting experience during travel.
    • UPI Integration for Quick Payments: The card can be linked to UPI (Unified Payments Interface) for quick scan-and-pay transactions at medical facilities or pharmacies. This feature simplifies payments for doctor consultations, diagnostic tests, or over-the-counter medications, offering a seamless and secure payment method.
    • Aadhaar-Enabled Functionality: The card is Aadhaar-enabled, allowing cardholders to link it to government schemes or subsidies related to healthcare. This feature can facilitate access to medical benefits or reimbursements, making it easier to manage healthcare costs through a single card.
    • Cash Advance Facility: The card offers a cash advance facility ranging from 20% to 40% of the credit limit, subject to a daily ATM withdrawal limit of ₹20,000 or two transactions. This is useful for urgent medical expenses when cash is required, such as for hospital deposits or emergency treatments.
    • International Transaction Capability: The card is internationally valid, allowing cardholders to use it for medical expenses abroad, such as consultations or treatments at foreign hospitals. However, international usage must be enabled via the Union Credit Card app or VYOM app, and cardholders should be aware of foreign currency markup fees.
    • Personalization Options: Cardholders can personalize the card with their name or a preferred design, adding a touch of individuality. This feature enhances the user experience, making the card feel tailored to their needs, especially for those who rely on it for frequent medical expenses.
    • Contactless Payment Technology: The card supports contactless payments, enabling quick and secure transactions at medical facilities equipped with NFC-enabled POS terminals. This is particularly convenient for small, frequent payments like co-pays at clinics or pharmacies.
    • Online Account Management: The card comes with access to a user-friendly online platform via the Union Credit Card portal, Union Credit Card app, or VYOM app. Cardholders can track medical expenses, view statements, make payments, and manage rewards, ensuring complete control over their healthcare spending.
    • Cashback on Utility Bills: The card offers up to ₹50 cashback per month on utility bill payments, which can include medical insurance premiums or hospital utility bills. This feature indirectly supports healthcare costs by reducing related expenses.
    • Flexible Credit Limit: The credit limit is determined based on income, credit score, and other factors, with no fixed cap. Cardholders can request a limit increase for large medical expenses by submitting updated financial documents, subject to bank approval.
    • Security Features: The card includes robust security features, such as EMV chip technology, OTP-based authentication for online transactions, and the ability to enable/disable international or online usage. These features protect cardholders from fraud, especially when paying for medical services online.
    • Green PIN Generation: As part of Union Bank’s green initiative, cardholders can generate their PIN via the Union Credit Card app, VYOM app, or by SMS, eliminating the need for paper-based PIN delivery. This is convenient for activating the card for immediate use in medical emergencies.
    • Comprehensive Customer Support: The card is backed by 24/7 customer support via toll-free numbers. This ensures cardholders can resolve issues related to medical payments or card management promptly.
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Benefits of the Union Bank Medical Credit Card

  • Financial Flexibility for Medical Expenses: The Union Bank Medical Credit Card provides significant financial flexibility by allowing cardholders to manage medical expenses without immediate cash outflows. The interest-free credit period of 21 to 50 days ensures that urgent hospital bills or medication costs can be paid without incurring interest, provided the balance is cleared within the cycle. This benefit is crucial for unexpected medical emergencies, such as sudden hospitalizations.
  • Cost Savings Through Rewards: The reward points system is a major benefit, as it allows cardholders to earn points on medical-related purchases, such as consultations, diagnostics, or pharmacy bills. These points can be redeemed for healthcare-related rewards, like discounts on medical equipment or wellness products, effectively reducing out-of-pocket expenses.
    • Accidental Insurance Protection: The accidental insurance coverage, ranging up to Rs. 30 lakh, offers substantial financial protection.
    • EMI Conversion for Affordability: The EMI facility is a game-changer for managing large medical expenses.
    • Travel Benefits for Medical Tourism: For cardholders seeking treatment abroad or at specialized centers in India, the complimentary lounge access and international transaction capability are significant advantages.
    • Fuel Surcharge Savings: The fuel surcharge waiver of up to Rs. 75 per month reduces travel costs for medical appointments.
    • Cashback on Related Expenses: The cashback on utility bills (up to Rs. 50 per month) and mobile wallet transfers (up to Rs. 50 per month on a minimum transaction of Rs. 500) indirectly supports medical expenses.
    • Convenience of UPI Integration: Linking the card to UPI enables quick and secure payments at medical facilities, pharmacies, or diagnostic centers.
    • Enhanced Security for Peace of Mind: The card’s security features, such as EMV chip technology and the ability to disable online or international transactions, protect cardholders from fraud.
    • Flexible Payment Options: Cardholders can choose from multiple bill payment modes, including online banking, auto-debit, or in-branch payments.
    • Aadhaar-Linked Benefits: The Aadhaar-enabled feature allows cardholders to link the card to government healthcare schemes, potentially unlocking subsidies or reimbursements for medical expenses.
    • Support for Emergency Cash Needs: The cash advance facility (20% to 40% of the credit limit) provides quick access to cash for medical emergencies, such as hospital admission fees.
    • Customizable Credit Limits: The ability to request a credit limit increase based on updated financial documents allows cardholders to tailor the card to their medical needs.
    • Seamless Online Management: The online platform and mobile apps (Union Credit Card app and VYOM app) allow cardholders to monitor medical spending, track reward points, and make payments from anywhere.
    • No Joining or Renewal Fees: Many Union Bank credit cards, including the hypothesized Medical Credit Card, have no joining or renewal fees, reducing the cost of ownership.
    • Support for Add-On Cards: The card allows add-on cards for family members (age 18 and above), which share the primary card’s limit.
    • Environmental and User-Friendly Features: The green PIN generation and contactless payment options enhance user convenience while promoting sustainability.
    • Comprehensive Customer Support: The 24/7 customer support ensures cardholders can resolve issues related to medical payments or card management at any time.
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How to Apply for the Union Bank Medical Credit Card

  • Step 1: Choose the Card Variant
    • Select a variant like the RuPay Select Credit Card based on your medical needs, such as hospital benefits, insurance, and credit limits.
  • Step 2: Gather Required Documents
    • Identity proof: Aadhaar card, PAN card, passport, etc.
    • Address proof: Utility bill, voter ID, or ration card.
    • Income proof: Latest salary slip/Form 16 (salaried) or ITRs for 2 years (self-employed).
    • Photograph and any medical proof (if required for offers).
  • Step 3: Online Application Process
    • Visit Union Bank Credit Card Portal.
    • Click “Apply Now” and choose the Medical Credit Card variant.
    • Fill in personal, contact, and income details.
    • Upload scanned copies of your documents and submit.
    • Bank representative will contact you for verification.
  • Step 4: Apply via Net Banking (for Existing Customers)
    • Log in to Union Bank Internet Banking.
    • Go to “Credit Card” section and click on “Apply for Credit Card.”
    • Choose the card type and submit the request with your customer ID and registered mobile number.
  • Step 5: In-Branch Application Process
    • Visit your nearest Union Bank of India branch.
    • Request a Medical Credit Card application form.
    • Fill the form, attach self-attested copies of documents, and submit at the counter.
    • The bank will forward it for verification and processing (usually within 7 working days).
  • Step 6: Application via Customer Care
    • Call Union Bank credit card customer care to start the process.
    • They will assist in selecting a card and guide you to apply online or at a branch.
  • Step 7: Application for Corporate Cards
    • Corporate applicants need a board resolution authorizing issuance.
    • Application must be signed by authorized signatories and submitted via corporate banking channel or in-branch.
  • Step 8: Verification and Approval
    • Bank verifies documents, credit score, and income.
    • Approval typically takes 7–10 working days if documents are valid.
  • Step 9: Card Delivery and Activation
    • Card is dispatched after approval and received within 10 days.
    • Activation Methods:
      • SMS: Send “CARDACKW XXXX” (last 4 digits of card) from registered mobile.
      • Call Union Bank customer care for activation.
      • Use Union Bank Credit Card portal or app to activate online.
  • Step 10: Tips for Smooth Approval
    • Ensure accuracy in all provided details and documents.
    • Check credit score in advance — aim for 750+ for faster approval.
    • Avoid multiple credit applications within a short time to reduce hard inquiries.

Eligibility Criteria for the Union Bank Medical Credit Card

  • Age Requirements:
    • The primary cardholder must be between 21 and 70 years of age.
    • For salaried individuals, the upper age limit is 65 years.
    • Professionals (e.g., doctors, lawyers) can apply up to 70 years.
    • Add-on cardholders (e.g., family members) must be 18 years or older.
    • These age criteria ensure the card is accessible to a wide range of users, including those needing medical coverage for themselves or dependents.
  • Income Eligibility:
    • Minimum income requirement is Rs. 1.80 lakh per annum, though some sources indicate higher thresholds (Rs. 2.5 lakh or Rs. 10 lakh for premium cards).
    • Salaried individuals must provide proof of stable income via Form 16, ITRs, and latest salary slip.
    • Business professionals must submit 2 years of Income Tax Returns along with computation sheets.
    • These criteria ensure the cardholder can manage repayments, especially for medical expenses.
  • Credit Score and History:
    • A good credit score (typically 750 or above on a 300–800 scale) is crucial for approval.
    • The bank reviews credit history to assess repayment behavior.
    • Low credit scores or recent delinquencies (e.g., missed payments) can lead to rejection or less favorable terms.
    • Maintaining a low credit utilization ratio (below 30%) on existing cards also improves eligibility.
  • Nationality and Residency:
    • Available to Indian residents and NRIs.
    • NRIs must contact the dedicated support line (+91 8885545255) for eligibility details.
    • Additional documentation such as valid passport or visa may be required to verify residency.
  • Employment Status:
    • Both salaried and self-employed individuals are eligible if income and documentation requirements are met.
    • Salaried applicants need stable jobs with verifiable income.
    • Self-employed must demonstrate consistent business income via ITRs.
    • Existing account holders may get faster processing.
  • Fixed Deposit-Based Eligibility:
    • Cards can be issued against a lien on fixed deposits with a 25% margin.
    • No income proof or credit scoring is required for this option.
    • Example: Rs. 1 lakh fixed deposit secures Rs. 75,000 credit limit.
    • Ideal for low income or poor credit score applicants needing medical credit.
  • Housing Loan Customers:
    • Customers with housing loans above Rs. 10 lakh in performing status with Union Bank can apply through their loan account branch.
  • Factors Affecting Eligibility:
    • Credit Utilization Ratio: High utilization on existing cards can negatively impact approval.
    • Debt-to-Income Ratio (DTI): High DTI (above 40%) may cause rejection due to limited repayment capacity.
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Documents Required for Union Bank Medical Credit Card

  • Application Form: A completed credit card application form with accurate personal, contact, and financial details is mandatory. The form can be obtained from the Union Bank website, a branch, or through the net banking portal. Ensure all fields are filled to avoid delays.
  • Identity Proof: Submit one of the following:
    • Aadhaar Card, Passport, PAN Card,
    • Driving License
    These documents verify your identity and must match the details provided in the application form.
  • Address Proof: Provide one of the following:
    • Aadhaar Card, Passport, Voter ID, Utility Bill (electricity, water, or gas bill, not older than 3 months), Rental Agreement
    The address proof ensures the bank can deliver the card and statements to the correct address.
  • Income Proof: For salaried individuals:
    • Latest Form 16
    • Income Tax Returns (ITRs) for the last 2 years
    • Recent salary slips (last 3 months)
    For self-employed individuals:
    • ITRs for the last 2 years with computation sheets
    • Business financial statements (if applicable)
    These documents verify your income eligibility, crucial for determining the credit limit.
  • Photographs: Two passport-size color photographs are required. These are used for card personalization and verification purposes. Ensure the photos are recent and meet the bank’s specifications (e.g., clear, front-facing).
  • Fixed Deposit Documents: If applying against a fixed deposit, submit:
    • Fixed Deposit receipt or certificate
    • Lien authorization form
    The bank will mark a lien on 25% of the deposit, and 75% will be set as the credit limit.
  • Corporate Application Documents: For corporate credit cards:
    • Board resolution authorizing issuance
    • Signatures of authorized signatories
    • KYC documents of the individual cardholder
    • Company financial statements (if required)
    These ensure the card is issued to eligible employees for medical or business expenses.
  • Additional Documents for NRIs: NRIs must provide:
    • Valid passport, Visa or work permit, Overseas address proof,
    • Indian address proof (if applicable)
    These documents verify residency and eligibility for international usage.
  • Tips for Document Submission:
    • Ensure all documents are clear, legible, and up-to-date.
    • Submit scanned copies for online applications and originals/copies for in-branch submissions.
    • Verify that names and addresses match across all documents to avoid discrepancies.
    • Contact customer care if unsure about specific document requirements.

Factors Affecting Union Bank Medical Credit Card Approval

  • Credit Score: A high credit score (750+) significantly improves approval chances, as it indicates reliable repayment behavior. A low score or recent defaults can lead to rejection or a lower credit limit. Regularly check your credit report to ensure accuracy before applying.
  • Income Stability: Stable and sufficient income (minimum Rs. 1.80 lakh per annum) is critical. The bank assesses your ability to repay medical expenses through income proof. Inconsistent or low income can result in rejection or a reduced credit limit.
  • Debt-to-Income Ratio: A DTI ratio below 40% is preferred, as it shows you have sufficient disposable income to manage new credit. High debt levels (e.g., multiple loans or credit cards) can lead to rejection, as they indicate financial strain.
  • Credit Utilization Ratio: Keeping credit utilization below 30% on existing cards demonstrates responsible credit management. High utilization (e.g., maxing out cards) can signal financial distress, lowering approval chances.
  • Recent Delinquencies: Defaults or late payments on loans or credit cards within the last 12 months negatively impact eligibility. Clearing outstanding debts and maintaining timely payments can improve your chances.
  • Multiple Credit Inquiries: Applying for multiple credit cards or loans simultaneously results in hard inquiries, which can lower your credit score and make you appear desperate for credit. Limit applications to one at a time.
  • Employment and Residency Status: Stable employment and Indian residency (or NRI status with proper documentation) are essential. Frequent job changes or unclear residency status can lead to rejection.
  • Existing Banking Relationship: Customers with existing Union Bank accounts or loans (e.g., housing loans above Rs. 10 lakh) may receive preferential treatment, as the bank can assess their financial behavior directly.
  • Documentation Accuracy: Incomplete or mismatched documents can delay or derail the application. Ensure all submitted documents are accurate, up-to-date, and consistent with the application form.
  • Bank’s Discretion: Union Bank reserves the right to approve or decline applications based on internal criteria, even if all eligibility requirements are met. Factors like market conditions or risk policies may influence decisions.
  • Age Criteria: Applicants typically need to be between 21 and 65 years old. Younger applicants with a steady income or older applicants nearing retirement may face stricter scrutiny.
  • Loan or Credit Card History with Union Bank: A positive repayment history with previous Union Bank credit products enhances approval chances, showcasing loyalty and reliability.
  • Type of Employment: Salaried individuals in reputed companies or government jobs generally have higher approval chances compared to freelancers or contract workers due to perceived income stability.
  • Spouse’s Financial Status: In some cases, the bank considers the spouse’s income or credit profile to assess overall household financial strength.
  • Existing Medical Insurance Coverage: Applicants with active health insurance policies may be preferred, as this lowers risk for the bank when credit is used for medical expenses.
  • Purpose of Credit Card Usage: Clear medical expense use or related healthcare spending patterns can positively influence approval compared to generic credit card use.
  • Past Bankruptcy or Legal Issues: Any history of bankruptcy, court cases related to finance, or fraud can severely impact eligibility and lead to outright rejection.
  • Credit Card Limit Requested: Requests for very high credit limits may trigger additional verification or rejection if not supported by income and credit history.

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

1. What is the Union Bank Medical Credit Card?
The Union Bank Medical Credit Card is a specialized credit card designed to help cardholders manage healthcare expenses efficiently. It covers a wide range of medical costs such as hospital bills, outpatient consultations, diagnostic tests, medicines, and even surgeries. With flexible repayment options and interest-free periods, it ensures timely access to quality healthcare without immediate financial strain.
2. Who is eligible to apply for this card?
Applicants aged between 21 and 65 years are eligible. Salaried individuals must have a minimum monthly income of ₹15,000, while self-employed professionals should have an annual income between ₹2–5 lakhs. A good credit score (700+), valid KYC documents, and stable income are essential for approval.
3. What types of medical expenses can be covered with this card?
The card covers a wide range of healthcare expenses, including in-patient hospitalization, doctor consultations, diagnostic tests, pharmacy purchases, and emergency procedures. It is also suitable for elective procedures and chronic care treatments, providing comprehensive health-related financial support.
4. Is the card accepted at all hospitals and clinics?
Yes, the card is accepted at all hospitals, clinics, and pharmacies that support major credit card networks such as RuPay or Visa. Union Bank may also offer special benefits or discounts at select partner healthcare institutions within its preferred network.
5. What credit limit is offered on the medical credit card?
Credit limits generally start from ₹25,000 and are determined based on the applicant’s income, credit score, and repayment capacity. Union Bank may also revise the limit periodically based on usage and payment history.
6. What is the interest-free period offered?
Cardholders enjoy an interest-free credit period of up to 50 days on retail transactions, provided the total outstanding balance is paid in full by the due date. This grace period helps in managing short-term medical expenses without incurring interest charges.
7. Are EMI options available for expensive treatments?
Yes, the card supports easy EMI conversion for high-value medical bills. This enables cardholders to repay expensive treatments in affordable monthly installments with flexible tenures and competitive interest rates.
8. Are there any joining or annual fees?
The fee structure varies depending on the specific card variant. Some cards are lifetime free, while others may attract a nominal joining or annual fee. Complete fee details are shared during the application process or can be confirmed at a Union Bank branch.
9. Can I apply online?
Yes, you can apply conveniently online by visiting www.logintoloans.com/UnionBCreditCards.php or by calling 8885545255. A customer service representative will assist you through the application and documentation process.
10. Can I get add-on cards for family members?
Yes, Union Bank allows up to 3 add-on cards for immediate family members such as spouse, children, or parents. These cards share the primary credit limit and are ideal for covering family healthcare needs under a unified credit facility.

List of Union Bank Medical Credit Card Branches in Telangana

  • Hyderabad - Sainikpuri
  • Hyderabad - Balanagar
  • Hyderabad - L B Nagar
  • Hyderabad - Attapur
  • Telangana - Hyderabad
  • Warangal - Hanamkonda
  • Warangal - Kazipet
  • Warangal - Bhadrakali
  • Warangal - Mulug Road
  • Warangal - Nakkalagutta
  • Telangana - Warangal
  • Nizamabad - Armoor
  • Nizamabad - Bodhan
  • Nizamabad - Kamareddy
  • Nizamabad - Banswada
  • Telangana - Nizamabad
  • Karimnagar - Jagtial
  • Karimnagar - Peddapalli
  • Karimnagar - Huzurabad
  • Karimnagar - Manthani