Union Bank of India Credit Card

Below are the different types of Union Bank credit cards offered by the Union Bank of India:

Following are the features and benefits of different Union Bank of India credit card variants:

Union JCB Wellness Credit Card

Union JCB Wellness card is a premium card that offers annual benefits of around Rs. 22,000 on various services.

• Complimentary and discounted spa services program offers per 60-minute massage (Swedish/Aromatherapy) and per 60-minute massage session.
• A complimentary health check-up (diagnostic test) once a year.
• The Gym Access Program offers a 15/30 days free trial (once a year).
• The complimentary golf program offers 1 round of golf once a year.
• 2 domestic lounge visits per quarter and 2 international lounge visits per year.
• Discount on merchant shopping, dining and travel merchants.
• Enjoy UPI payments on credit cards on the BHIM app.
• 4 reward points per Rs. 100 spent on dining, shopping, groceries, departmental stores, and apparel. 
• 2 reward points per Rs. 100 on all other spends.
• 1,000 milestone rewards on reaching spends of Rs. 1,50,000 a year.
• 1,500 milestone rewards on reaching spends of Rs. 2,00,000 a year.
• 2,000 milestone rewards on reaching spends of Rs. 2,50,000 a year.
• Interest-free credit period of 20 to 50 days on purchases. 
• Get 1% of fuel purchase transactions reimbursed (maximum Rs. 100 per card per month).
• Free Personal Accident Insurance Coverage of up to Rs. 10 Lakhs.
• Additional Accidental Insurance Coverage of Rs. 30 Lakhs with premium borne by the cardholder.
• Interest-free credit period of 20 to 50 days on purchases.
• Exclusive RuPay merchant offers.
• Joining fee: Rs. 999.
• Annual fee: Rs. 999; Waived in the first year and not levied if usage in the previous year is Rs. 1,00,000.

RuPay Select Credit Card

Union Bank of India RuPay Select Credit Card offers unparalleled privileges to suit your lifestyle and preferences both in India as well as abroad. The card provides free accidental insurance, complimentary lounge access, and much more. 

• Interest-free credit period of 20 to 50 days on purchases.
• Get 1% of fuel purchase transactions reimbursed (maximum Rs. 100 per card per month).
• Free Personal Accidental Insurance Coverage of up to Rs. 10 Lakhs in case of loss of life due to accident. 
• Additional Accidental Insurance Coverage of Rs. 30 Lakhs with premium borne by the cardholder.
• Wider acceptance at over 39.3 million merchants and 1.88 million ATMs across India and abroad.
• Get add-on RuPay Select credit cards for members above 18 years to avail of all the benefits and features applicable to the primary card. 
• Exclusive RuPay merchant offers.
• Complimentary 8 domestic lounge access per year (2 per quarter) across India and 2 per year international lounge access (subject to change as per RuPay's discretion from time to time).
• Joining fee: Rs. Nil.
• Annual fee: Rs. 499.; Waived in the first year and not levied if usage in the previous year is Rs. 50,000.
• Add on card annual fee: Rs. 399.

Union JCB Health Credit Card

Union JCB Health Card is designed for medical, medical product requirements, and home and lifestyle expenses. The card offers annual benefits worth Rs. 31,750 for a variety of services.

• 2 free teleconsultations per year with E-prescription.
• 2 free teleconsultations per year with a Psychologist.
• 1 free diagnostic package A - C with doorstep delivery.
• 1 free doorstep medical express delivery (5 km) with zero delivery charges.
• 1 free teleconsultation per year with a Dietician.
• 1 free fitness training session per year (video consult).
• 1 free doorstep car cleaning per year (car wash & vehicle sanitization).
• Any 2 free doorstep car services per year from battery jump-start/ fuel delivery/tyre replacement.
• 1 free doorstep home appliance repair (AC/ TV/ fridge) per year (labour only).
• 1 free video fashion stylist consultation per year.
• Any 1 free video hobby development consultation per year from cooking/ dance/ music.
• 1 Device Protection License (ransomware/ online banking/ antivirus/ browsing & digi-parenting protection) online.
• 1 free online email account monitoring and proactive alerting in case of breach detection on the dark web.
• Enjoy UPI payments on credit cards on the BHIM app.
• 2 reward points. 
• An incremental reward of 2000 points for every Rs. 50,000 beyond Rs. 2 Lakhs.
• Interest-free credit period of 20 to 50 days on purchases.
• 1% of fuel purchase transactions reimbursed (maximum Rs. 100 per card per month).
• Free Personal Accident Insurance Coverage of up to Rs. 10 Lakh in case of loss of life due to accident.
• Additional Accidental Insurance Coverage of Rs. 10 Lakhs with premium borne by the cardholder.
• 2 complimentary domestic airport lounge access per quarter and 2 international lounge access per year.
• Exclusive RuPay merchant offers.
• Interest-free credit period of 20 to 50 days on purchases.
• Joining fee: Rs. 499.
• Annual fee: Rs. 499; Waived in the first year and not levied if usage in the previous year is Rs. 50,000.

UNI Carbon Credit Card

UNI Carbon Credit Card is best suited for those who want to earn rewards on all their spending.

• Welcome bonus up to Rs. 300, by way of credit to bill. You have to purchase fuel worth Rs. 300 or above at the HPCL Authorized Fuel outlet within 60 days from the date of activation of the card.
• 16 rewards (equivalent to Rs. 4 cashback on every Rs. 100 spent) on fuel with a minimum transaction of Rs. 500 or above at authorized HPCL outlets (up to a maximum of Rs. 150 per billing cycle per card).
• 1.50% cashback in the form of 6 payback/ reward points on transactions done on the HP Pay App via UBI HPCL Co-branded credit card.
• 2 reward points for spending every Rs. 100 for transactions done in POS, Internet, IVR and MOTO.
• 1 payback/ reward point = Rs. 0.25.
• 500 milestone rewards on reaching spends of Rs. 1,25,000 a year.
• 600 milestone rewards on reaching spends of Rs. 1,50,000 a year.
• 700 milestone rewards on reaching spends of Rs. 1,75,000 a year.
• 800 milestone rewards on reaching spends of Rs. 2,00,000 a year.
• 1,000 milestone rewards For every spend of Rs. 50,000 beyond Rs. 2 Lakhs.
• 1% fuel surcharge waiver for transactions of Rs. 200 and above at HPCL-authorized outlets (maximum Rs. 100 per billing cycle).
• Free Personal Accident Insurance Coverage of up to Rs. 10 Lakh in case of loss of life due to accident.
• Additional Accidental Insurance Coverage of Rs. 10 Lakhs with a premium of Rs. 65.02 borne by the cardholder.
• Exclusive RuPay merchant offers.
• Interest-free credit period of 20 to 50 days on purchases.
• Wider acceptance at over 39.3 million merchants and 1.88 million ATMs across India and abroad.
• Joining fee: Rs. 499.
• Annual fee: Rs. 550; Waived in the first year and not levied if usage in the previous year is Rs. 1,00,000.
• Add on card annual fee: Rs. 250.

RuPay Platinum Credit Card

RuPay Platinum Credit Card offers up to 50 days of interest-free period on purchases, 1% fuel surcharge reimbursement, accident insurance coverage, and so on.

• Interest-free credit period of 20 to 50 days on purchases.
• 1% of the amount spent on fuel purchases will be reimbursed (maximum Rs. 100 per card per month).
• Free Personal Accident Insurance Coverage of up to Rs. 2 Lakhs in case of loss of life due to accident.
• Additional Accidental Insurance Coverage of Rs. 10 Lakhs with premium borne by the cardholder.
• Wider acceptance at over 39.3 million merchants and 1.88 million ATMs in India and abroad.
• Add-on card for family members to avail of all the benefits and features applicable to the primary card. 
• Exclusive RuPay merchant offers.
• Joining fee: Nil.
• Annual fee: Rs. 350.
• Add on card annual fee: Rs. 250; Waived in the first year and not levied if usage in the previous year is Rs. 30,000.

VISA Signature Credit Card

Union Bank of India VISA Signature Credit Card offers lounge access, group personal accident insurance cover of Rs. 30 Lakhs, exclusive RuPay merchant offers and much more.

• Interest-free credit period of 20 to 50 days on purchases.
• 1% of the amount spent on fuel purchases will be reimbursed (maximum Rs. 100 per card per month).
• Option of Group Personal Accident Insurance Coverage of up to Rs. 30 Lakhs for the primary cardholder. The insurance premium may vary from time to time.
• Enjoy luxury at select Indian airport lounges with well-deserved rest and use of facilities. The airport lounge access is subject to change as per VISA discretion from time to time without any prior notice.
• 24*7 concierge services of VISA International.
• Wider acceptance at over 9 lakh merchants in India and 29 million merchants abroad.
• Add-on card for family members to avail of all the benefits and features applicable to the primary card. 
• Exclusive RuPay merchant offers.
• Joining fee: Nil.
• Annual fee: Rs. 1,999; Waived in the first year and not levied if usage in the previous year is Rs. 2,70,000.
• Add on card annual fee: Rs. 999.

VISA Platinum Credit Card

Get Group Personal Accident Insurance Coverage of Rs. 10 Lakhs, exclusive RuPay merchant offers, 20 to 50 days interest-free credit period and much more with VISA Platinum Credit Card.

• Interest-free credit period of 20 to 50 days on purchases.
• 1% of the amount spent on fuel purchase will be reimbursed (maximum Rs. 100 per card per month).
• Option of Group Personal Accident Insurance Coverage of Rs. 10 Lakhs with premium borne by the cardholder. The insurance premium may vary from time to time.
• Wider acceptance at over 9 lakh merchants in India and 29 million merchants abroad.
• Add-on card for family members to avail of all the benefits and features applicable to the primary card. 
• Exclusive RuPay merchant offers.
• Joining fee: Nil.
• Annual fee: Rs. 450; Waived in the first year and not levied if usage in the previous year is Rs. 50,000.
• Add on card annual fee: Rs. 350.

VISA Gold Credit Card

Get the option of Group Personal Accident Insurance Coverage of Rs. 5 Lakhs, exclusive RuPay merchant offers, 20 to 50 days interest-free credit period and much more with VISA Gold Credit Card.

• Interest-free credit period of 20 to 50 days on purchases.
• 1% of the amount spent on fuel purchases will be reimbursed (maximum Rs. 100 per card per month).
• Option of Group Personal Accident Insurance Coverage of Rs. 5 Lakhs with premium borne by the cardholder. The insurance premium may vary from time to time.
• Wider acceptance at over 9 lakh merchants in India and 29 million merchants abroad.
• Add-on card for family members to avail of all the benefits and features applicable to the primary card. 
• Exclusive RuPay merchant offers.
• Joining fee: Nil.
• Annual fee: Rs. 350; Waived in the first year and not levied if usage in the previous year is Rs. 30,000.
• Add on card annual fee: Rs. 250.

Diva Credit Card

Divaa Credit Card is a newly launched credit card variant by the Union Bank of India which comes with various benefits and exclusive offers to women. It also offers complimentary airport lounge access.

• Complimentary annual membership of Urban Clap.
• Nykaa discount voucher worth Rs. 500.
• Flipkart, Myntra and Big Basket discountvouchersr worth Rs. 250 each.
• Lakme Salon discount voucher worth Rs. 1,500.
• Ixigo instant discount worth Rs. 500.
• Flat Rs. 250 off on minimum purchase of 2 movie/non-movie tickets on BookMyShow.
• Unlimited free deliveries on Food and Instamart orders at Swiggy One. 
• Annual Women's Health Package including Pap Smear & Blood Tests.
• Free Personal Accident Insurance coverage of up to Rs. 2 Lakhs in case of loss of life. 
• Personal Accident Insurance and Permanent Disability Cover up to Rs. 10 Lakhs.
• 8 complimentary access per year at domestic lounges and 2 access per year at international lounges. 
• 24x7 host of referral services from travel assistance to hotel reservations to consultancy services.
• Enjoy UPI payments on credit cards on the BHIM app. 
• 2 Reward points on all spends (minimum 750 points required for redemption).
• Interest-free credit period of 20 to 50 days on purchases.
• 1% of the amount spent on fuel purchases will be reimbursed (maximum Rs. 100 per card per month).
• Exclusive RuPay merchant offers.
• Joining fee: Nil.
• Annual fee: Rs. 499; Waived in the first year and not levied if usage in the previous year is Rs. 30,000.
• Add on card annual fee: Rs. 399.

You can earn reward points on some Union Bank of India credit cards. The features are mentioned below:

Union JCB Wellness Credit Card

• 4 reward points per Rs. 100 spent on dining, shopping, groceries, departmental stores, and apparel. 
• 2 reward points per Rs. 100 on all other spends.
• Additional 1000 reward points on reaching the milestone of Rs. 1,50,000 in a year. 
• Additional 1500 reward points on reaching the milestone of Rs. 2,00,000 in a year.
• Additional 2,000 reward points on reaching the milestone of Rs. 2,50,000 in a year.

Union JCB Health Card

• 2 reward points. 
• For every spend of Rs. 50,000 beyond Rs. 2 Lakhs, an incremental reward of 2000 points.

UNI Carbon Credit Card

• 16 reward points on fuel spends with a minimum transaction of Rs. 500 and above at authorised HPCL outlets (equivalent to Rs. 4 cashback on every Rs. 100 spent). Up to a maximum of Rs.150 per billing cycle per card.
• 1.50% cash back in the form of 6 payback/ reward points (1 Payback = Rs. 0.25) on transactions made on HP Pay App via UBI HPCL Co-branded credit card.
• 2 reward points for every Rs. 100 spent in POS, Internet, IVR and MOTO.
• 500 milestone rewards on reaching spends of Rs. 1,25,000 a year.
• 600 milestone rewards on reaching spends of Rs. 1,50,000 a year.
• 700 milestone rewards on reaching spends of Rs. 1,75,000 a year.
• 800 milestone rewards on reaching spends of Rs. 2,00,000 a year.
• 1,000 milestone rewards for every spend of Rs. 50,000 beyond Rs. 2 Lakhs.

Diva Credit Card

• 2 reward points on all spends (minimum 750 points required for redemption).

Following are the detailed Union Bank of India credit card eligibility criteria and the list of required documents:

Eligibility

• Union Bank of India credit cards are issued primarily to customers (non-customers on a selective basis). 
• Primary cardholders should be in the age group of 18 to 65 years if salaried and 18 to 70 years if professionals.
• Add-on cardholders should be aged 18 years and above. 
• The income of the applicant should be Rs. 7.5 Lakhs per annum for Union JCB Wellness Credit Card/ RuPay Select Credit Card, Rs. 2.5 Lakhs per annum for Union JCB Health Card/ UNI Carbon Credit Card/ RuPay Platinum Credit Card/ VISA Platinum Credit Card/ VISA Gold Credit Card/ Diva Credit Card and Rs. 10 Lakhs per annum for VISA Signature Credit Card.
• Cards are also issued against a lien on Fixed Deposit with a 25% margin without insisting on income proof and scoring model.

NOTE: The above eligibility criteria are only indicative. The Union Bank of India reserves the right to approve or decline applications for credit cards.

Documents 

• Credit card application form with complete information
• 2 color passport-size photographs
• Latest ITR for 2 years/ Form 16/ salary slip
• Proof of address and identity along with PAN Copy as per KYC norms
• Business class applicants must provide 2 years of ITR with computation sheets.
• Salaried class applicants must provide Form 16/ ITR with the latest salary slip.

If you want a Union Bank credit card apply online or offline. For the offline process, you can visit the nearest Union Bank of India branch and ask an official to help you with the application process which includes filling out an application form and submitting the required documents. The bank will then review your documents and application and once you qualify, your card will be dispatched and delivered in up to 10 working days. To make the process easier, opt for the Union Bank of India credit card online apply facility.

Whether you want to apply for a Union Bank of India credit card, check your Union Bank of India credit card application status or even make a Union Bank of India credit card bill payment, you can contact Union Bank of India credit card customer care through any of the following ways: 

• National Toll-Free Union Bank of India Credit Card Customer Care Number: 1800 425 1515(24x7)
• Calling the 24x7 toll-free number: 1800 22 22 44/ 1800 208 2244 
• Calling the charged number: 080-61817110 
• Calling the dedicated number for NRI customers: +918061817110 
• Calling the dedicated helpline for reporting fraud/ disputed transactions: 1800 2222 43 
• Calling the dedicated helpline for premium accounts: 1800 425 2407 
• Calling the callback facility for NRI customers: +918484848458 
• Sending email: creditcards@unionbankofindia.com/ ccd.grievances@unionbankofindia.bank for disputed transactions and customercare@unionbankofindia.com/ ccdhelpdesk@unionbankofindia.bank for all other credit card queries 
• Using the online form: https://eremit.unionbankofindia.co.in/feedback/ to share feedback or provide suggestions
• By writing to the following address:

Union Bank of India

Credit Card Division,

Head Office, Andhra Bank Buildings,

Koti Sultan Bazar, Hyderabad - 500 095