United Bank Of India
Credit Card

The Bengal Central Bank Limited was established in the year 1918. In the year 1950, Comilla Banking Corporation Limited, Comilla Union Bank Limited, and the Hoogly Bank merged with Bengal Central Bank Limited. On merger the name of the bank was changed to United Bank of India. Cuttack Bank Limited, Tezpur Industrial Bank Limited, Hindustan Mercantile Limited, and Narang Bank merged with the United Bank of India subsequently. The Head Office of the Bank is at Kolkata.  United Bank of India is one of the 14 banks that were nationalised in the year 1969.

Over the years the Bank has won many accolades and recognition for their contribution under various areas of performance. They offer a wide range of banking products and services under several schemes and credit cards are one among the many popular products of the Bank. At present, the credit cards are issued in association with the National Payment Corporation of India (NPCI). However, the bank proposes to issue cards in association with Visa and Mastercard in the near future.

Also Check: Cibil Score for Credit Card

The United Bank of India is now issuing Rupay Credit Cards in association with National Payment Corporation of India (NPCI) and the Bank proposes to issue Visa and Mastercard credit cards in the near future.

The two variants of the Rupay Credit Card are:

• United Pragati Card
• United Suvidha Card

• A facility to make revolving payment is provided wherein you can pay 5% of the outstanding amount as per the billing statement and the remaining can be carried over to the next billing cycle.
• An interest-free period of 45 days is available.
• There is a provision to convert the purchases on the card to EMI which can be paid in easy instalments.
• Insurance cover up to 2.00 lakhs is provided as a personal accident cover for the death due to an accident or permanent disability due to an accident.
• 24 x 7 concierge service is available for all bookings.
• The bill for the transactions on the card done from the 11th of the previous month till the 10th of the current month will be generated on the 10th of the current month and has to be paid within the 25th of the current month.

The following are the special benefits for Rupay Cardholders

Dining and Food Orders

• Get a 50% discount with a maximum of 10,000/- on Rupay International card on dining at any restaurant at the UK. Look for Rupay Logo in the restaurant to avail of the benefit.
• Get a flat discount of 100/- on a minimum order of 275/- at Foodpanda
• A discount of 15% for a minimum billing of 300/- at Pizorama.
• Buy one Pizza and get one free at Oven Story Pizza.
• Avail a discount of 15% on  billing of 399/- at Behrouz Biryani.
• Avail a discount of 40% for orders of Pizza at Mojo Pizza.
• Box 8 offers 20% and 50% discount on a minimum order of 248/-
• Avail a discount of 15% on food bill at Pride Hotels.

Travel Offers:

• Use code ECOAIR and get 25% discount on airport transfer
• Use code ECOLUX and get 20% on luxury car rental from the hotel to the stadium and cheer for your favourite team.
• Avail 35% discount on rentals for self- driven cars.
• Get a 10% discount up to 7500/- on international flight tickets to Europe, South Asia, and UK for a minimum transaction of 10,000 at MakeMyTrip.
• Get a cashback of 600/- for a minimum transaction of 3000/- on booking a flight ticket at Ixigo.
• Get a discount of 6% up to 4000/- for international flight booking at Yatra. The minimum transaction amount to avail of the discount is 25000/-
• Get a discount of 7% up to 1500/- for domestic flight bookings at Yatra. The minimum transaction amount to avail of this discount is 2000/-
• Get a discount of 25% up to 2000/- for domestic hotel bookings at Yatra. The minimum transaction amount to avail of this discount is 2000/-
• Thomas cook offers a discount of 6000/- on international customised holiday packages and a discount of 5000/- on domestic holiday packages
• Avail 5% discount on car bookings for 5 days, a 10% discount on car bookings for 10 days and a 15% discount on car bookings for 15 days at Urban Drive.
• Avail a discount of 800/- on a minimum transaction of 5000/- and a discount of 600/- for a minimum transaction of 4999/- at Happy Easy Go.
• EaseMyTrip offers a discount of 400/- for a one- way domestic flight booking and 800/- discount for round trip domestic flight booking. To avail this discount the transaction amount should be a minimum of 3000/-. 800/- discount is offered for international flight bookings for a minimum transaction of 10000/-. Also, there is a discount of 500/- for hotel bookings on a minimum booking amount of 3500/-
• Goomo offers a discount up to 3100/- on domestic flights.

Shopping offers

• Avail 20% cashback with a maximum of 2500/- for transactions at any member establishment except restaurants in the United Kingdom.
• Get a cashback of 100/- for a minimum transaction of 1000/- at Grofers.
• Get a discount of 50/- for a minimum purchase of 149/- at Shopclues.
• A discount of 650/- for a minimum purchase of 1999/- at Firstcry.
• Floweraura offers 15% discount on all purchases made.
• Avail a discount up to 1000/- on a minimum purchase of 2999/- at Ajio.
• Bata offers a discount of 25% on a minimum purchase of 999/-
• Avail a discount of 14% on a minimum purchase of 799, 10% discount on a minimum purchase of 699/-, and 5% discount on a minimum purchase of 599/- at Archies.
• Shemeroo Me offers a discount of 50% on Shemeroo Me Annual Plan.
• Titan offers a discount of 10% on a minimum purchase of 2000/-
• Furlenco offers a discount of 2000/- on your first- month rent.

Wellness offers

• Avail discount of 15% for all services at Kaya Clinic.
• 1 mg offers a discount of 40% and a cashback of 5% on the purchase of medicine and also free e-doctor consultation.
• For purchase of medicine at Netmeds you get a discount of 20% and 10% cashback on delivery of the medicine.
• The first orders at Pharmeasy get you an additional discount of 10%.
• VLCC offers the following:
• Book for a 5 in 1 Express Wellness worth 2499/- and get a free body therapy worth 1500/-
• A discount of 500/- on booking for a service worth 2000/-
• The 5 in 1 Express Wellness package includes 4 diet plus 4 weeks activity plan plus Body Therapy plus Pain Relief plus Detoxification.
• Avail a discount of 20% on all services at IOSIS Spa.
• Vibes offers a discount of 200/- on a minimum transaction of 1000.
• For any 60 minutes therapy at Four Fountains you get a discount of 400/- plus a head massage or feet massage worth 350/- free.
• Strands offers a discount of 25% on all the services at their beauty salon.
• A discount of 30% at ORA Regenesis for all the services.
• Avail a discount of 20% at O2 SPA.
• House joy offers a discount of 10% on all their services.

The above are just a few offers mentioned. There are a host of offers from over 300 merchant establishments for Rupay cardholders.

Details of Rewards of United Bank of India Credit Cards are as given below:

One reward point will be given for every 100/- spent. The minimum spends for accrual of reward points is 100/-. The redemption of the reward points is permitted only on the accumulation of a minimum of 500 points and in multiples of 100.  The points accumulated will expire if not redeemed within one year. There is no provision to carry over the accumulated reward points for the next year.

100 reward points earned will be equal to 20/-. On spends of 2.00 lakhs in a year, an additional 1000 reward points will be given. Further 1000 reward points will be given if the annual spend exceeds 3.00 lakhs.

The EMI amount that is included in the bill and fuel purchases will not earn any reward points. Points will be given only for the transactions that are successful. In the case of refund on account of any unsuccessful transaction, the reward points added for the particular transaction will be reversed. If the outstanding payment of the card dues is 30 days past due, then the cardholder will not qualify for the reward points. The reward points can be redeemed through the redemption portal or the Mobile app of the Bank.

United Bank of India Credit Card Fee Details

• The joining fee for both United Suvidha Card and United Pragathi Card is 500/-
• The annual fee for both United Suvidha Card and United Pragathi Card is 500/-

The following are the charges for United Bank of India Credit Cards:

Steps to Apply for the Card through the Bank

To apply for the card through the Bank you can download the application from the UBI Website or the UBI App. You can also obtain the application form from the nearest United Bank of India branches.

On obtaining the application you will have to fill in the required details and submit the application with the required KYC and other related documents like the latest salary slip, form 16 and IT Returns.

The Status of the application will be updated through SMS to the registered mobile number.

Steps to Apply for the Card through MyMoneyMantra

A digital platform is provided by MyMoneyMantra which has to be used to apply for the credit card.

• To begin with visit the MyMoneyMantra website.
• Log in and choose the credit card menu.
• A list of credit cards from different banks will be displayed on a single screen with all the details related to the card.
• You can compare the cards for the benefits offered, charges applied etc.
• Select the card you intend to apply for and submit.
• Fill in all the relevant information required for applying for the credit card.
• Once the filling of the application is complete and the process initiated you will get assistance from MyMoneyMantra representative to go through the process from documentation till the approval of the card.
• On approval, the card will be dispatched to your address. Card and the pin will be despatched separately

The following eligibility criteria have to be complied with to qualify for United

Bank of India Credit Card.

• The age of the applicant should be above 21 years.
• The applicant should preferably be a customer of the bank with satisfactory dealings for the past 12 months.
• The applicant should be a taxpayer paying a minimum tax of 20,000/-for the last 2 years or should be having an annual income over 4.00 lakhs for the last 2 years.
• United Pragathi Card is issued based on the income criteria of the applicant and United Suvidha Card is issued without income criteria of the applicant.
• At present United Pragathi Card is issued to only employees of the Bank.

The following documents are required for United Bank of India Credit Card.

• Address Proof such as Aadhar Card, Passport, Driving Licence, Utility bills, Rental Agreement, etc.
• Proof of Identity such as Aadhar Card, Voter's ID Card, Pass Port, Driving Licence and PAN Card.
• Income Proof such as IT Returns/ form 16 of the last 2 years and salary slips for the last 3 months. If the account is not maintained with other Bank, then, bank account statement and salary slip for the last 6 months has to be submitted.

If you are a customer of United Bank of India you can make the credit card payment as follows:

• Make credit card payments online by registering for United Bank of India Internet banking facilities.
• You can give auto-debit instructions from your savings bank account at United Bank of India

All other customers can make the payment in the following ways:

• Can make payment through NEFT/RTGS. Under the beneficiary account option, you will have to provide the United Bank of India Card Number.
• Can make payment by cheque. Mention the United Bank of India Credit Card Number and drop the cheque at any of the United Bank of India drop boxes across the cities.
• Can also make payment by way of cash deposit at any United Bank of India branches.

If you have any queries and complaints in respect of the United Bank Credit Cards you can contact their credit card customer care on the following number

• 1800-345-0345

Additional Reading: Check Credit Bureau of India