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Features of the Union Bank UPI Credit Card (RuPay)

  • Overview of Union Bank RuPay Credit Cards: The Union Bank of India offers two primary RuPay credit card variants that support UPI integration: the RuPay Select Credit Card and the RuPay Platinum Credit Card. These cards are designed to cater to a wide range of customers, from everyday spenders to frequent travelers, by combining the convenience of credit with the seamless digital payment capabilities of UPI. The integration of RuPay with UPI allows cardholders to make quick, secure, and contactless payments at millions of merchants across India. Below is an in-depth exploration of the features that make these cards stand out in the competitive credit card market.
  • UPI Integration for Seamless Transactions: One of the standout features of the Union Bank RuPay Credit Cards is their integration with UPI (Unified Payments Interface). This allows cardholders to link their credit card to popular UPI apps such as BHIM, PhonePe, Google Pay, Paytm, and Union Bank’s own VYOM app. By scanning a QR code or entering a Virtual Payment Address (VPA), users can make instant payments for merchant transactions, utility bills, and more. The UPI feature eliminates the need to carry a physical card for point-of-sale (POS) transactions, making it highly convenient for digital-first consumers. The cards support secure, multi-factor authentication, ensuring that transactions are safe and compliant with RBI guidelines.
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    • Reward Points on Every Spend: Both the RuPay Select and Platinum Credit Cards offer a robust reward points system. For every Rs. 100 spent, cardholders earn 4 reward points on the RuPay Select Credit Card and 2 reward points on the RuPay Platinum Credit Card across all spending categories, including retail, online, and utility payments. These points can be accumulated and redeemed for a variety of options, such as gift vouchers, merchandise, travel bookings, or credit card bill payments. A minimum of 100 reward points is required for redemption, with each point valued at approximately Rs. 0.25 for the Select variant and Rs. 0.50 for the Platinum variant in specific redemption scenarios.
    • Fuel Surcharge Waiver: The cards provide a 1% fuel surcharge waiver on transactions at petrol stations across India, with a maximum waiver of Rs. 100 per month per card. This applies to transactions starting from Rs. 200 for the Platinum variant and Rs. 400 for the Select variant, making it an attractive feature for individuals who frequently refuel vehicles. The waiver is automatically applied at HPCL outlets and other authorized fuel stations, reducing the overall cost of fuel purchases.
    • Complimentary Lounge Access (RuPay Select Only): The RuPay Select Credit Card offers exclusive travel benefits, including 2 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits per year at select airports. This feature is particularly appealing to frequent travelers who value comfort and convenience during their journeys. The lounge access includes amenities like free Wi-Fi, refreshments, and comfortable seating, enhancing the travel experience.
    • Personal Accident Insurance Coverage: Both cards come with comprehensive insurance benefits. The RuPay Select Credit Card provides personal accident insurance coverage of up to Rs. 10 lakh for accidental death and an additional Rs. 8 lakh for other accidental deaths. It also includes lost card liability protection of up to Rs. 1.5 lakh for fraudulent transactions reported after card loss. The RuPay Platinum Credit Card offers personal accident insurance of up to Rs. 2 lakh for death or permanent disability due to an accident, along with the same lost card liability protection. These insurance benefits provide financial security and peace of mind for cardholders.
    • EMI Facility for Flexible Payments: Convert large purchases into EMIs for 3, 6, 9, or 12 months. Excludes cash withdrawals, fuel, and gold purchases. Pre-closure charges of 2% may apply.
    • Contactless Payment Technology: Both cards are equipped with EMV chip and PIN technology, enabling secure contactless payments at POS terminals. This feature aligns with modern payment trends, allowing users to tap and pay for transactions up to a specified limit without entering a PIN, enhancing speed and convenience. The chip technology also protects against counterfeiting and skimming, ensuring transactional security.
    • Aadhaar-Enabled Functionality: The RuPay Select and Platinum Credit Cards are Aadhaar-enabled, allowing cardholders to link their Aadhaar number for enhanced verification and seamless integration with government-related transactions. This feature is particularly useful for accessing subsidies, benefits, or services requiring Aadhaar authentication.
    • Personalization Options: Cardholders can personalize their RuPay Credit Cards by choosing designs or adding their names, adding a touch of individuality to their payment experience. This feature is particularly appealing to younger users who value customized financial products.
    • Zero Joining Fee: Both the RuPay Select and Platinum Credit Cards come with no joining fee, making them accessible to a wide range of customers. This eliminates the upfront cost typically associated with premium credit cards, encouraging more users to apply.
    • Spend-Based Annual Fee Waiver: The annual fee for the RuPay Select Credit Card is Rs. 499, which is waived if the cardholder spends Rs. 50,000 or more in the previous year. For the RuPay Platinum Credit Card, the annual fee of Rs. 299 is waived on spending Rs. 30,000 or more annually. This spend-based waiver incentivizes regular usage and rewards active cardholders.
    • Interest-Free Credit Period: Both cards offer an interest-free credit period of 21 to 50 days, depending on the billing cycle and transaction date. This allows cardholders to make purchases without incurring interest, provided the outstanding balance is cleared by the due date. This feature is ideal for managing short-term expenses without additional costs.
    • Global Acceptance: As part of the RuPay network, these cards are accepted at over 39.3 million merchants and 1.88 million ATMs globally, ensuring cardholders can use them for both domestic and international transactions. The cards can be enabled or disabled for international usage via the Union Credit Card app, VYOM app, or website, providing flexibility and control.
    • Three-Factor Authentication (3FA): The cards incorporate 3FA security for domestic online transactions, combining something the user knows (PIN), something they have (card or mobile device), and something they are (biometric or OTP). This multi-layered security ensures safe online shopping and UPI transactions.
    • Cashback on Specific Transactions: The RuPay Select Credit Card offers Rs. 50 cashback per month on utility bill payments and mobile wallet transfers (minimum transaction of Rs. 500). Additionally, cardholders earn Rs. 25 cashback on IRCTC transactions with a minimum spend of Rs. 300. These targeted cashback offers enhance savings on everyday expenses.
    • Wide UPI App Compatibility: The cards can be linked to a wide range of UPI apps, including BHIM, PhonePe, Google Pay, Paytm, MobiKwik, and more, as supported by 23 banks, including Union Bank of India. This comp
    • Online Account Management: Cardholders can manage their accounts through the Union Credit Card app, VYOM app, or the Union Bank credit card website. These platforms allow users to view statements, track transactions, make payments, and enable/disable international or contactless payment options, providing a user-friendly digital experience.
    • Welcome Bonus (Platinum Only): The RuPay Platinum Credit Card offers a welcome bonus of up to Rs. 300 on the first fuel purchase of Rs. 300 or more at HPCL outlets. This introductory offer adds immediate value for new cardholders.
    • Fraud Protection: In case of card loss or theft, cardholders are protected against fraudulent transactions up to Rs. 1.5 lakh, provided the loss is reported promptly. This feature minimizes financial risk and ensures quick resolution of unauthorized transactions.
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Benefits of the Union Bank RuPay Credit Card (Select & Platinum)

  • Enhanced Convenience with UPI: The integration of UPI with the Union Bank RuPay Credit Cards revolutionizes payment convenience. Cardholders can link their cards to UPI apps and make instant payments by scanning QR codes or using VPAs, eliminating the need for physical cards or cash. This is particularly beneficial for small, frequent transactions at local merchants, grocery stores, or online platforms, making everyday payments seamless and efficient.
  • Cost Savings through Cashback and Discounts: The cards offer significant cost-saving opportunities through cashback and discounts. The Rs. 50 monthly cashback on utility bill payments and mobile wallet transfers (RuPay Select) and the Rs. 25 cashback on IRCTC transactions provide tangible savings. Additionally, discounts at partner restaurants and eateries via the RuPay network enhance the card’s value for dining enthusiasts.
  • Savings on Fuel Expenses: The 1% fuel surcharge waiver, capped at ₹75 per month, is a practical benefit for cardholders who frequently refuel their vehicles. This feature leads to substantial savings over time, especially for daily commuters or long-distance travelers with high fuel consumption.
    • Travel Perks for Frequent Flyers: The RuPay Select Credit Card’s complimentary lounge access (2 domestic visits per quarter and 2 international visits per year) is a premium benefit for travelers.
    • Comprehensive Protection: The card’s insurance benefits include ₹8 lakh coverage for accidental air death, ₹5 lakh for other accidental deaths, and ₹1.5 lakh for lost card liability, offering significant peace of mind
    • Convenient EMI Options: The EMI conversion facility allows cardholders to spread the cost of high-value purchases over 3 to 24 months, facilitating easier financial management without compromising lifestyle.
    • Enhanced Transaction Security: With EMV chip and PIN technology, 3-factor authentication (3FA), and SMS alerts, the card ensures secure and transparent transactions, helping prevent fraud in today’s digital payment environment.
    • Targeted Cashback Offers: Cashback on utility bills, mobile wallet recharges, and IRCTC bookings provide additional savings on common expenses, helping cardholders maximize returns on everyday spending.
    • Aadhaar Integration for Convenience: Aadhaar-enabled features simplify interactions with government services and digital platforms.
    • Wide Acceptance and Contactless Convenience: Compatibility with the RuPay network allows acceptance at millions of merchants and ATMs across India.
    • Personalized Card Experience: Cardholders can personalize their credit card design, adding a unique touch that reflects their individuality beyond just a financial tool.
    • Accessible Credit Limit: The flexible credit limit can extend up to 20% of the cardholder’s gross annual income, accommodating a broad range of financial needs and lifestyles.
    • Annual Fee Waiver Opportunity: The card has no joining or annual fees, and the renewal fee of ₹299 can be waived by spending ₹30,000 in the previous year, promoting active usage while keeping costs low.
  • Lifestyle Enhancement: The combination of rewards, cashback, lounge access, and insurance coverage enhances the cardholder’s lifestyle by offering savings, convenience, and premium experiences.
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How to Apply for the Union Bank RuPay Credit Card (Select & Platinum)

  • Step 1: Research Card Variants
    • Understand the features and benefits of the RuPay Select and Platinum cards.
    • RuPay Select is ideal for frequent travelers and high spenders, offering lounge access and higher rewards.
    • RuPay Platinum suits everyday spenders focusing on fuel and utility savings.
    • Visit the Union Bank website or contact customer care for detailed info.
  • Step 2: Check Eligibility Criteria
    • RuPay Select requires minimum annual income of ₹7.5 lakh; Platinum requires ₹2.5 lakh.
    • Age for salaried: 18–60 years; for self-employed: 18–70 years.
    • Good credit score (preferably above 700) and stable income are essential.
  • Step 3: Gather Required Documents
    • Identity proof (Aadhaar, PAN, Passport, etc.)
    • Address proof (utility bill, rental agreement, etc.)
    • Income proof (salary slips, ITR, Form 16)
    • Passport-size photograph
  • Step 4: Visit the Nearest Union Bank Branch
    • Union Bank currently does not offer online credit card applications.
    • Bring all required documents and be ready to fill out the application form physically.
  • Step 5: Fill Out the Application Form
    • Request the RuPay Credit Card application form at the branch or download it from the official website (submission must be in person).
    • Provide accurate personal, employment, and financial details.
    • Specify whether you are applying for Select or Platinum card.
  • Step 6: Submit Application and Documents
    • Submit the filled form along with self-attested copies of documents.
    • Original documents may be checked for verification.
  • Step 7: Application Review and Verification
    • The bank will verify your credit score, income, and background within 7-10 working days.
    • Expect possible verification calls or additional information requests.
  • Step 8: Credit Limit Assignment
    • The credit limit is decided based on your income and credit profile.
    • For secured cards linked to fixed deposits, the limit is usually 75% of the deposit amount, with no income proof required.
  • Step 9: Card Dispatch and Delivery
    • Once approved, the card is dispatched to your registered address within 10 working days.
  • Step 10: Card Activation
    • Activate your card via SMS, the Union Credit Card app, VYOM app, or the bank’s website before use.
  • Step 11: Link Card to UPI (Optional)
    • Download a UPI app and link your RuPay Credit Card to enable UPI transactions.
    • Follow the app’s instructions to complete the linking process securely.
  • Step 12: Track Application Status
    • Call Union Bank customer care at 8885545255 or visit the branch where you applied.
    • Note that online tracking is currently unavailable.
  • Additional Tips
    • Ensure all documents are complete and accurate before submission.
    • Maintain a good credit score and repay existing dues on time.
    • Follow up promptly on any communication from the bank.
    • Understand all fees and terms by reviewing the bank’s Most Important Terms and Conditions (MITC).
  • Applying Against a Fixed Deposit
    • If you don’t meet income or credit criteria, consider applying for a secured credit card against a fixed deposit.
    • Visit the branch to start this process.

Eligibility Criteria for the Union Bank Platinum Credit Card

  • Age Requirements:
    • Primary Cardholder: Must be between 21 and 60 years for salaried individuals, and between 21 and 70 years for self-employed applicants.
    • Add-On Cardholder: Minimum age is 18 years, with no upper age limit if the primary cardholder meets eligibility criteria.
  • Income Requirements:
    • RuPay Select Credit Card: Minimum annual income of ₹7.5 lakh.
    • RuPay Platinum Credit Card: Minimum annual income of ₹2.5 lakh.
    • Stable income from salaried employment or self-employment is required. Proof of consistent earnings over the last 6–12 months may be requested.
  • Credit Score and History:
    • Preferred minimum credit score is 700.
    • Low credit scores (below 600), payment defaults, late payments, or high credit utilization may reduce chances of approval.
    • Applicants without prior credit history may qualify with secured card options.
  • Nationality and Residency:
    • Applicants must be residents of India with a verifiable permanent address.
    • NRIs may apply but require additional documentation such as passport and visa copies.
  • Employment Status:
    • Salaried Individuals: Must have stable employment with a reputed organization; proof such as appointment letter or ID may be needed.
    • Self-Employed Individuals: Must provide proof of stable business operations, such as GST registration, ITR filings, or financial statements.
    • Secured Card Option: Available for those who don’t meet income or credit score requirements, secured by fixed deposits.
  • Credit Utilization and Existing Debt:
    • Credit utilization ratio ideally below 30%.
    • High outstanding balances or multiple loans may negatively impact eligibility.
  • Aadhaar Linkage:
    • Valid Aadhaar card linked with mobile number is mandatory for UPI-enabled cards.
  • Minimum Documentation:
    • Identity and address proof such as Aadhaar and PAN card.
    • Income proof like salary slips, ITR, or Form 16.
    • Incomplete or invalid documents may lead to rejection.
  • Bank’s Discretionary Rights:
    • Union Bank reserves the right to approve or reject applications based on internal policies.
    • Verification failures or inconsistent documentation can cause rejection.
  • Secured Card Eligibility:
    • Applicants with low income or credit score can apply for secured credit cards against fixed deposits.
    • Credit limit is up to 75% of the fixed deposit amount.
  • Additional Considerations:
    • Repayment History: Positive repayment records improve approval chances.
    • Debt-to-Income Ratio: Ideally below 40% for better eligibility.
    • Location: Applicants should reside in areas served by Union Bank branches for verification ease.
    • Existing Credit Cards: Multiple credit cards with high outstanding balances may negatively affect eligibility.
  • Tips to Improve Eligibility:
    • Improve credit score through timely payments.
    • Increase documented income with bonuses or additional sources.
    • Reduce existing debts to improve credit utilization ratio.
    • Select card variant matching your income level.
  • Verification Process:
    • Bank may verify employment, income, and credit details by contacting employers or cross-checking documents.
    • Applicants should respond promptly to avoid delays.
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Documents Required for Union Bank UPI Credit Card (RuPay)

  • Importance of Proper Documentation:
    • Submitting accurate and complete documents is critical for a successful application.
    • Documents verify identity, address, income, and financial stability.
    • This list covers documents for RuPay Select and Platinum Credit Cards.
  • Identity Proof:
    • Aadhaar Card (mandatory, linked to registered mobile number).
    • PAN Card (for tax purposes).
    • Passport (valid for Indian residents and NRIs).
    • Voter ID (alternative if Aadhaar or passport unavailable).
    • Driving License (may serve as identity and address proof).
  • Address Proof:
    • Aadhaar Card (if address is updated and current).
    • Utility Bills (electricity, water, gas; not older than 3 months).
    • Rental Agreement (with landlord details).
    • Passport (if address matches current residence).
    • Bank Statement (recent, showing applicant's address).
    • Property Tax Receipt (for homeowners).
  • Income Proof:
    • Salaried Individuals:
      • Latest 3 months’ salary slips.
      • Form 16 from employer.
      • Latest Income Tax Return (ITR) with computation sheet.
      • Appointment letter confirming employment.
    • Self-Employed Individuals:
      • ITR for last 2 years with computation sheets.
      • GST registration certificate.
      • Audited financial statements (profit & loss, balance sheet).
      • Business license (for professionals).
  • Passport-Size Photograph:
    • Recent, clear photo with plain background, taken within last 6 months.
  • Additional Documents for Add-On Cards:
    • Identity proof of add-on cardholder (Aadhaar, PAN, or passport).
    • Relationship proof (birth certificate, marriage certificate, etc.).
    • Signed consent from primary cardholder.
  • Documents for Secured Cards:
    • Fixed deposit receipt issued by Union Bank.
    • Lien letter authorizing lien on fixed deposit.
    • Identity and address proof as above.
  • Document Submission Guidelines:
    • Submit photocopies and carry originals for verification.
    • Ensure all documents are valid and current.
    • Name and address must match across all documents.
    • Self-attest photocopies by signing.
    • Provide digital copies if requested.
  • Common Document-Related Issues:
    • Expired documents may cause rejection.
    • Mismatched info can cause delays.
    • Incomplete income proof may require additional submissions.
    • Blurry or illegible copies cause verification problems.
  • Tips for Document Preparation:
    • Organize documents as per bank order (identity, address, income).
    • Verify Aadhaar is linked to your mobile number.
    • Carry extra photocopies.
    • Update address proofs if needed.
    • Consult bank officials before submission.
  • Verification Process:
    • Bank verifies via internal and third-party checks.
    • Aadhaar validation via UIDAI.
    • PAN and income verification.
    • Applicants may be contacted for clarifications.
  • Secured Card Documentation:
    • Fixed deposit receipt reduces need for income proof.
    • Deposit must be with Union Bank.
    • Lien agreement signed by applicant.
  • Document Safety:
    • Protect personal information.
    • Submit documents only to authorized personnel or secure channels.
  • Post-Submission Steps:
    • Keep copies of submitted documents.
    • Track application status regularly.
    • Provide additional documents promptly if requested.

Factors Affecting Union Bank UPI Credit Card (RuPay) Application

  • Credit Score and History: A credit score above 700 indicates good creditworthiness. Scores below 600 may lead to rejection. The bank reviews timely payments, defaults, and credit utilization. Maintaining low credit utilization (below 30%) and clearing dues enhances approval chances.
  • Income Level and Stability: Minimum annual income requirements vary by card variant (e.g., ₹7.5 lakh for RuPay Select, ₹2.5 lakh for Platinum). Stable income from reputed employers or consistent business earnings strengthens applications. Irregular income may lead to rejection or lower limits.
  • Debt-to-Income Ratio: Ideally below 40%, this ratio measures your debt obligations against income. High debt or multiple loans can reduce approval chances.
  • Employment Status: Salaried individuals in permanent roles at reputed organizations are preferred. Self-employed applicants should show proof of stable business income. Unemployed or underemployed applicants may face challenges unless applying for secured cards.
  • Age of the Applicant: Age limits generally are 21–60 years for salaried and 21–70 years for self-employed individuals. Exceptions apply for add-on or secured cards.
  • Existing Credit Card Ownership: Multiple cards or high outstanding balances can affect approval. The bank assesses repayment behavior and credit utilization on existing cards.
  • Documentation Accuracy: Incomplete or invalid documents (expired Aadhaar, inconsistent addresses, missing income proof) can delay or reject applications. Ensure all documents are valid and consistent.
  • Credit Limit Requests: Requesting limits disproportionate to income or credit score may result in rejection. Credit limits are typically 20–50% of annual income for unsecured cards or up to 75% of fixed deposits for secured cards.
  • Bank’s Internal Policies: Union Bank may apply internal risk models, regional risk assessments, and economic factors in their credit decisions, possibly overriding standard criteria.
  • Aadhaar and Mobile Linkage: A valid Aadhaar linked to a mobile number is essential for UPI-enabled cards. Failure to link can cause rejection or activation issues.
  • Residential Status: Indian residents with verifiable addresses are preferred. NRIs face additional documentation and scrutiny.
  • Application Timing: Applying during peak periods may cause delays. Applying during stable financial periods with no recent defaults is advisable.
  • Repayment History: Consistent on-time repayment of loans and credit cards positively impacts approval chances. Defaults or late payments in recent years reduce chances.
  • Verification Challenges: Verification failures (unresponsive employers, unverifiable addresses, document discrepancies) can lead to rejection.
  • Secured vs. Unsecured Cards: Applicants with low scores or income can opt for secured cards backed by fixed deposits, which have easier eligibility but lower credit limits.
  • Economic and Market Conditions: Broader economic downturns or RBI policy changes can tighten approval standards, affecting card issuance.
  • Customer Relationship with Bank: Existing Union Bank customers with accounts or loans may have better approval chances due to financial behavior visibility.
  • Tips to Mitigate Negative Factors:
    • Improve credit score by timely payments.
    • Submit complete and accurate documents.
    • Choose the card variant suitable to your income and score.
    • Build a relationship with Union Bank by holding accounts or deposits.
  • Length of Credit History: Longer credit history usually increases trustworthiness. New credit seekers may get limited approvals or lower limits.
  • Bank’s Product Portfolio: Union Bank may prioritize customers for specific cards based on internal marketing strategies.
  • Co-applicant or Guarantor: Providing a co-applicant or guarantor with good credit may improve chances.
  • Use of Credit Monitoring Tools: Regularly checking your credit report helps identify and fix errors before applying.
  • Mobile Number Verification: Mobile number linked to Aadhaar and bank accounts must be active for OTP and communication.
  • Online vs Offline Application: Online applications may be processed faster but require proper digital document uploads.
  • Fraud History: Any previous involvement in fraud or suspicious activities reduces chances drastically.
  • Regional Branch Policies: Some branches may have localized rules affecting approval rates.
  • Social Media and Digital Footprint: Banks increasingly use digital footprints for risk assessment; a positive online profile can help.
  • Loan and EMI History: Past behavior on loans and EMIs contributes significantly to credit decisions.
  • Frequency of Credit Card Applications: Frequent applications across banks can be a red flag, leading to rejections.
  • Credit Card Utilization Patterns: Consistent high utilization of existing credit cards without timely repayment may negatively impact approval chances.
  • Presence of Co-borrowers or Joint Account Holders: Having co-borrowers or joint account holders with good financial standing can improve creditworthiness in the bank’s evaluation.

Frequently Asked Questions (FAQs) – Union Bank UPI Credit Card (RuPay)

1. What is the Union Bank UPI Credit Card (RuPay)?
The Union Bank UPI Credit Card is a RuPay-powered credit card that links directly to your UPI ID. It allows you to make UPI payments using your credit limit instead of your bank account balance, offering flexibility and credit benefits.
2. How do I apply for the Union Bank UPI Credit Card?
You can apply online through the Union Bank of India website or visit a nearby branch. Ensure you have valid KYC documents, a good credit score, and a steady income source.
3. What are the eligibility criteria for this credit card?
- Age: 21–60 years
- Indian resident
- Stable income or existing relationship with the bank
- Acceptable credit history (CIBIL score)
4. Is the Union Bank UPI Credit Card available to non-account holders?
Yes, even if you do not have a Union Bank savings account, you can apply. However, having an account may simplify the verification process.
5. How do I link the card with my UPI ID?
Once your card is issued, you can link it via any UPI-enabled app (like BHIM, PhonePe, Paytm, etc.) by selecting “Link Credit Card (RuPay)” and entering your card details to generate a UPI handle.
6. Can I use the UPI Credit Card on all UPI apps?
Yes, the RuPay UPI Credit Card is compatible with all major UPI platforms that support credit card linking, including BHIM, PhonePe, Google Pay, Paytm, and others.
7. What are the main benefits of using the UPI Credit Card?
- Pay with credit even at small merchants
- Enjoy credit card rewards on UPI spends
- Interest-free period (up to 45–50 days)
- Better expense tracking via UPI apps
8. Are there any annual or joining fees for this card?
Union Bank may offer this card with minimal or no joining/annual fees. Fee structure depends on the specific card variant and ongoing promotional offers.
9. Is it safe to make UPI payments through a credit card?
Yes, it is secure. Transactions are authenticated using UPI PINs and follow RBI-mandated security protocols, just like regular UPI or credit card transactions.
10. Will I earn reward points on UPI transactions?
Yes, eligible UPI payments using the RuPay credit card will earn reward points as per the Union Bank credit card rewards program. Refer to your card’s terms for specific categories.
11. Can I use the UPI Credit Card for online and offline purchases?
Yes, you can use the card both for UPI-based digital transactions and as a physical card for POS and online shopping where RuPay is accepted.
12. Is there a credit limit on UPI transactions?
Yes, UPI transactions using the credit card are subject to your card’s overall credit limit and the daily UPI transaction limit set by the RBI (currently ₹1 lakh per day for most users).
13. How do I pay my credit card bill?
You can pay through Union Bank’s internet banking, mobile banking app, NEFT/IMPS from other banks, or UPI. Timely payments help avoid interest and penalties.
14. What happens if I miss a payment on the card?
Missing a payment may result in interest charges, late payment fees, and a negative impact on your credit score.
15. Can I convert my UPI spends into EMIs?
Yes, some eligible transactions can be converted into EMIs depending on the transaction amount and card terms. Contact Union Bank customer care for assistance.

List of Union Bank UPI Credit Card (RuPay) Branches in Andhra Pradesh

  • Tirupati - Balaji Nagar
  • Tirupati - Tirumala
  • Tirupati - Renigunta
  • Tirupati - SV University
  • Tirupati - Srinivasam Complex
  • Andhra Pradesh - Tirupati
  • Kurnool - Bellary Road
  • Kurnool - Park Road
  • Kurnool - Adoni
  • Kurnool - Nandyal
  • Kurnool - Yemmiganur
  • Andhra Pradesh - Kurnool
  • Anantapur - Hindupur
  • Anantapur - Gooty Road
  • Anantapur - Tadpatri
  • Anantapur - Dharmavaram
  • Anantapur - Kadiri
  • Andhra Pradesh - Anantapur
  • Nellore - Stonehousepet
  • Nellore - Kavali