How do I know the limit that I will get on a Union Bank of India credit card before applying?

The Union Bank credit card limit depends on factors such as your income, source of income, credit score, etc. Therefore, after applying for one, the bank decides on a limit based on these factors.

What are the different modes to pay dues on a Union Bank of India credit card?

You can repay your Union Bank credit card dues via internet banking, auto debit, mobile banking, etc.

After how long do the reward points on a Union Bank credit card expire?

After 12 months, your accumulated rewards on a Union Bank credit card expire.

What to do if my Union Bank credit card gets stolen?

Call the UBI customer support at 1800 22 22 44 or 1800-2333, report the lost card and block it.

What is the monthly interest rate on a Union Bank of India credit card?

The applicable interest rate on a Union Bank credit card is 2.5% per month for all variants on the unpaid balance if received before the due date. In case you miss the due date, the interest rate goes up 2.95% per month.

How much cash can I withdraw using a Union Bank credit card?

Cash withdrawal limit depends on the card variant. Generally, banks allow withdrawals between 20% and 40% of your credit limit.

Do I get an EMI facility on a credit card from the Union Bank of India?

Yes, you can convert eligible purchases to EMI with a Union Bank credit card for 3,6,9 and 12 months.

Union Bank of India Credit Cards: Types, Benefits & More

Name: Union Bank of India Credit Cards
Brand: Credit Card
Rating: 4.7 (8710 reviews)

Recently, India crossed 111.2 million active users in force, showing a rapid adoption of credit cards. Among these, Union Bank of India credit cards excel as they offer exclusive health and wellness benefits, accelerated rewards and fuel benefits that fulfil your spending needs.

Types of Union Bank of India Credit Cards

Union Bank of India currently offers 6+ credit card variants, each designed with exclusive benefits across diverse categories.

To help you choose the right one, we have outlined the bank’s top credit card offerings below, arranged as per the categories of benefits along with their detailed features. Take a look:

For Maximum Rewards

The Union Bank of India credit cards with maximum benefits include attractive reward points, insurance coverage, complimentary lounge access, etc., that enhance user experience. Such cards as well as their benefits are discussed below:

Features and Benefits	RuPay Select Credit Card	VISA Signature Credit Card
Reward points	Get up to 4 reward points for spending ₹100 every time for both cards.
Fuel surcharge waiver	A 1% waiver capped at ₹100 per billing cycle is applicable for both these cards.
Insurance coverage	Avail an accidental insurance coverage of ₹10 lakh. Here, the NPCI bears the principal.	Get an accidental insurance coverage of ₹30 lakh. Here, the cardholder bears the premium.
Insurance coverage	You also get an additional ₹30 lakh coverage, but you, as a cardholder, need to bear the premium.
Airport lounge access	Get 2 domestic lounge access each quarter. You also get 2 international lounge accesses in a year.	NA

With Stable Money, you can avail additional benefits upon applying for a credit card. Download the Stable Money app for more details!

For Wellness

Take a look at the accelerated health and wellness benefits on the dedicated Union Bank of India credit card:

Union JCB Health Credit Card				Union JCB Wellness Credit Card
Annual benefits on this card are worth ₹31,750				Annual benefits on this card are worth ₹22,000
2 free Teleconsultations/year				Complimentary spa/massage session per 60 minutes

1 free diagnostic package				Once in a year free diagnostic test
1 zero delivery charge express delivery (5 kms)				15/30 days gym free trial once in a year
1 free session/year with a dietician & fitness trainer				Once in a year complimentary golf access per round

For Fuel Benefits

Save more with the UNI-Carbon credit card every time you refuel your vehicle with additional benefits:

Features and Benefits	Union UNI-CARBON Credit Card
Welcome offer	Get up to ₹300 cashback if you spend ₹300 or more on fuel purchases from HPCL within 60 days of card activation.
Additional cashbacks	Earn 16 reward points on fuel spends of ₹500 or more at authorised HPCL outlets.
	Get 1.5% cashback in the form of 6 reward points on HP Pay app spends using this card.
	Earn 2 reward points every time you spend ₹100 using POS, IVR, online or MOTO.
Fuel surcharge waiver	Get 1% surcharge waiver on spending ₹200 or more at HPCL outlets.

For Women

The Union Bank of India has newly launched a dedicated card for women, which comes with the following online shopping, health and insurance benefits:

Features and Benefits	Divaā Credit Card
Discount vouchers for online shopping (up to ₹1500)	Get exclusive discounts on shopping from Flipkart, Nykaa, Myntra, and Lakme Salon, Book My Show, and Big Basket.
Annual health checkups	Avail a healthcare package for women once a quarter.
Lounge access	Get 8 complimentary domestic and 2 international airport lounge access.
Insurance	Avail a permanent disability and accident coverage worth ₹10 lakh.

Eligibility Criteria to Apply for Union Bank of India Credit Cards

Age Restriction: You must be between 18 and 65 years old if you are a salaried individual. For professionals, the age range is between 18 and 70 years.
Income Range: Depending on card variants, the minimum income range is ₹2.5 lakh and up to ₹10 lakh per annum at maximum.
Credit Score: Union Bank credit card eligibility requires your credit score to be at least 650 if you are a PSU state and central government employee. For others, the minimum score must be 700.

Documents Required to Apply for a Union Bank of India Credit Card

Submit a duly filled application form to the UBI.
Produce your PAN card with a proof of address such as Aadhaar, Voter ID, Passport, etc.
Provide your salary slip for the last 3 months as proof of income. Other professionals must submit their ITR of the last 2 years and account statements of the last 6 months.

With Stable Money, you get up to 8.40% return per annum on FDs and a secure credit card. Download the app, book an FD and apply for a credit card against it.