Union Bank of India Credit Card | Advantages | Documents

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Union Bank of India is one of the leading public sector banks in India, offering a wide range of financial products and services. Among its offerings, Union Bank of India Credit Cards stand out as an excellent financial tool that provides multiple benefits such as cashback, rewards, and exclusive discounts. Whether you are a frequent traveler, a shopping enthusiast, or someone looking to manage your finances efficiently, Union Bank’s credit cards have something to offer.

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What is Union Bank of India?

Union Bank of India (UBI) is a government-owned banking institution established in 1919. Headquartered in Mumbai, Maharashtra, the bank has played a significant role in India’s economic growth by providing financial services to individuals, businesses, and industries. With a strong presence across India and international branches, Union Bank offers various banking solutions, including savings and current accounts, loans, credit cards, insurance, and investment options.

UBI merged with Andhra Bank and Corporation Bank in 2020, making it one of the largest public sector banks in India. The bank continues to expand its digital banking services, making banking more accessible and convenient for its customers.

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Benefits of Union Bank of India Credit Cards

Union Bank of India credit cards(union bank of india credit card apply) offer numerous advantages to cardholders, making them a preferred choice for various financial needs. Below are the key benefits:

1. Reward Points Program – Customers earn reward points on eligible transactions, which can be redeemed for shopping, travel, and lifestyle benefits.
2. Cashback Offers – Many Union Bank credit cards provide cashback on utility bill payments, fuel purchases, and online shopping.
3. Travel Benefits – Select cards offer complimentary lounge access at domestic and international airports, travel insurance, and discounts on hotel bookings and flight tickets.
4. Fuel Surcharge Waiver – Customers can enjoy fuel surcharge waivers at select fuel stations, helping them save on fuel expenses.
5. Dining & Entertainment Discounts – Special offers on dining, movies, and entertainment at partnered restaurants and multiplexes.
6. Easy EMI Conversion – Convert large purchases into easy EMIs with flexible tenure options, making high-value transactions more manageable.
7. Contactless Payment – Many Union Bank credit cards come with contactless technology for secure and hassle-free payments.
8. Zero Liability on Lost Cards – In case of card loss or theft, customers are protected from fraudulent transactions after reporting the incident to the bank.
9. Flexible Credit Limits – Union Bank of India offers customized credit limits based on customer profiles and creditworthiness.
10. Insurance Coverage – Complimentary insurance coverage on travel, accidental death, and medical emergencies for select cardholders.
11. Balance Transfer Facility – Customers can transfer outstanding balances from other bank credit cards to a Union Bank credit card at lower interest rates.
12. 24×7 Customer Support – Dedicated customer service for credit card queries, disputes, and assistance with transactions.
13. Utility Bill Payments – Customers can use their credit card to pay electricity, water, and mobile bills while earning reward points.

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Advantages of Union Bank of India Credit Cards

1. Wide Range of Credit Cards
   • Union Bank of India(union bank of india credit card apply online) offers multiple credit cards catering to different financial needs, such as shopping, travel, fuel, and business.
2. Low Interest Rates
   • Compared to private banks, Union Bank of India provides competitive interest rates, making it more affordable for users to manage credit.
3. Reward Points on Transactions
   • Earn reward points on every transaction, including shopping, dining, fuel purchases, and utility bill payments. Points can be redeemed for gifts, cashback, and vouchers.
4. Fuel Surcharge Waiver
   • Get fuel surcharge waivers on fuel transactions at select petrol pumps across India, helping cardholders save money on fuel expenses.
5. EMI Conversion Facility
   • Convert high-value purchases into easy monthly installments (EMIs) at low-interest rates, making expensive purchases more affordable.
6. Contactless Payments
   • Many Union Bank credit cards come with contactless payment technology, allowing secure and quick transactions without entering a PIN for small purchases.
7. Global Acceptance
   • Union Bank of India credit cards are accepted worldwide, making them a great option for frequent travelers and online shoppers.
8. Add-On Cards for Family
   • Cardholders can avail supplementary cards for family members, including spouses, children, or parents, with spending control options.
9. Exclusive Discounts & Offers
   • Enjoy discounts on shopping, dining, travel, and entertainment with partner merchants and online stores.
10. Secure Transactions

• Comes with advanced security features like OTP verification, EMV chip, and fraud monitoring to ensure safe transactions.

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Documents Required for Union Bank of India Credit Card

When applying for a Union Bank of India Credit Card(union bank of india credit card customer care), applicants must provide certain documents to verify their identity, address, income, and financial credibility. Below is a detailed breakdown of the required documents:

1. Identity Proof (Any One of the Following)

These documents confirm the applicant’s identity and must be government-issued and valid:

• Aadhaar Card
• PAN Card (Mandatory)
• Voter ID Card
• Passport
• Driving License
• Government-issued ID (for employees of PSUs, government organizations, etc.)

Important Notes:

• The name on the document should match the credit card application form.
• PAN Card is mandatory for all credit card applicants.

2. Address Proof (Any One of the Following)

Address proof is necessary to verify the applicant’s residence:

• Aadhaar Card
• Passport
• Voter ID Card
• Electricity Bill (Not older than 3 months)
• Telephone or Mobile Bill (Not older than 3 months)
• Ration Card
• Bank Account Statement (Latest 3 months)
• Rent Agreement (Registered)

Important Notes:

• If the current residence is different from the address on the Aadhaar Card, another valid proof is required.
• Utility bills should be in the applicant’s name.

3. Income Proof (For Salaried & Self-Employed Individuals)

Applicants must submit income proof to assess their repayment capacity. The required documents vary based on employment type:

For Salaried Applicants:

• Latest Salary Slips (Last 3 Months)
• Bank Statement Showing Salary Credits (Last 3–6 Months)
• Form 16 or Income Tax Return (ITR) of the Last 1–2 Years

For Self-Employed Applicants:

• Income Tax Return (ITR) of Last 2–3 Years
• Business Registration Certificate (GST Certificate, Trade License, etc.)
• Bank Statement (Last 6 Months) Reflecting Business Transactions
• Balance Sheet & Profit and Loss Statement (For High Credit Limit Cards)

Important Notes:

• Higher income proof may be required for premium credit cards.
• Business owners must submit documents proving business existence.

4. Photographs

• Recent passport-sized colored photographs (as per the bank’s specifications).

5. Other Important Documents (If Required)

Union Bank of India may request additional documents in specific cases:

• Existing Credit Card Statement (If applying for a card based on another credit card)
• Fixed Deposit Receipt (For secured credit cards)
• Proof of Office Address (For self-employed applicants)

Key Points to Remember

• PAN Card is mandatory for all applications.
• Salaried applicants must submit salary slips & bank statements.
• Self-employed applicants must submit ITRs & business-related documents.
• Aadhaar Card is commonly used as both identity & address proof.
• Bank may request additional documents based on the application.

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CIBIL Score Requirement for Union Bank of India Credit Cards

The credit score plays a crucial role in determining eligibility for a Union Bank of India Credit Card. A good credit score increases the chances of approval, while a low score may lead to rejection or approval with a lower credit limit. Here’s everything you need to know about the credit score requirements for Union Bank of India credit cards.

1. What is a Credit Score?

A credit score is a three-digit number that reflects an individual’s creditworthiness. It is calculated based on factors such as:
✔ Repayment history (timely payments of EMIs & credit card bills)
✔ Credit utilization ratio (how much credit is used vs. the limit)
✔ Number of credit accounts (loans & credit cards)
✔ Length of credit history (how long credit has been used)
✔ Credit inquiries (too many applications may reduce the score)

Credit bureaus like CIBIL, Experian, Equifax, and CRIF High Mark provide credit scores, but CIBIL Score is the most commonly used in India.

2. Minimum Credit Score Required for Union Bank of India Credit Cards

• Ideal Credit Score: 750 or above (High Approval Chances)
• Good Credit Score: 700 – 749 (Moderate Approval Chances)
• Fair Credit Score: 650 – 699 (Low to Moderate Approval, May Have Lower Credit Limit)
• Poor Credit Score: Below 650 (Higher Risk of Rejection)

Credit Score Categories & Their Impact

Credit Score Range	Approval Chances	Interest Rates & Credit Limit
750 – 900	Very High ✅✅✅✅✅	Low interest rates, high credit limit
700 – 749	Good ✅✅✅✅	Moderate interest rates, decent limit
650 – 699	Fair ✅✅✅	May get approval but with restrictions
550 – 649	Low ✅✅	Higher interest rates, low limit
Below 550	Very Low ❌	High chances of rejection

3. What If You Have a Low Credit Score?

If your credit score is below 650, your application might get rejected, but you can still improve your chances by:
✔ Applying for a secured credit card (linked to a Fixed Deposit)
✔ Clearing outstanding loans & dues before applying
✔ Maintaining a lower credit utilization ratio (below 30%)
✔ Avoiding multiple credit applications at the same time
✔ Building a positive credit history by using an existing credit card responsibly

4. How to Check Your Credit Score Before Applying?

Before applying for a Union Bank of India credit card, check your CIBIL score for free from:

• CIBIL Official Website (www.cibil.com)
• Union Bank of India’s Website (if available)
• Other credit monitoring platforms like Paisabazaar, BankBazaar, etc.

5. Can You Get a Credit Card With No Credit History?

If you don’t have a credit history, you can still get a Union Bank of India Credit Card by:
✔ Applying for an entry-level credit card
✔ Opting for a secured credit card (against FD)
✔ Using an add-on credit card (if a family member has an existing credit card)

Key Takeaways

• A CIBIL score of 750+ is ideal for quick approval and high credit limits.
• Scores between 650-699 may still get approval but with restrictions.
• A score below 650 may lead to rejection or lower credit limits.
• No credit history? Go for a secured credit card.
• Check your CIBIL score before applying to increase approval chances.

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Disadvantages of Union Bank of India Credit Cards

While Union Bank of India Credit Cards offer numerous benefits, they also have certain limitations that users should be aware of before applying. Here are the key disadvantages explained in detail:

1. Limited Credit Card Variants

Unlike private banks such as HDFC, SBI, or ICICI, Union Bank of India offers fewer credit card options. This means:
✔ Limited choices for premium or co-branded cards
✔ Fewer exclusive travel, lifestyle, or shopping reward programs
✔ Less variety in terms of cashback and reward benefits

Who it affects: Customers looking for a variety of customized credit cards might feel restricted.

2. Higher Interest Rates on Revolving Credit

Union Bank of India charges relatively higher interest rates on outstanding balances compared to some private banks. This means:
✔ If you don’t pay the full outstanding amount, high interest will be charged
✔ Interest rates can range from 2.5% to 3.5% per month (30%-42% annually)
✔ Costly for people who rely on revolving credit

Who it affects: Cardholders who frequently carry over balances instead of clearing full dues.

3. Fewer Reward Points & Cashback Offers

✔ Unlike some private banks that offer accelerated reward points, Union Bank of India cards offer fewer reward points per transaction
✔ Limited number of merchants or platforms for cashback offers
✔ Redemption options for rewards may be limited

Who it affects: Users who prefer cashback-based savings and frequent reward point redemptions.

4. Annual Fees & Hidden Charges

✔ Some Union Bank credit cards(union bank of india rupay credit card) have high annual or renewal fees, especially for premium variants
✔ Foreign transaction fees may be high (typically 3.5% on international transactions)
✔ Late payment charges can be high if minimum dues aren’t cleared

Who it affects: Customers looking for no-fee or lifetime-free credit cards.

5. Strict Eligibility & Credit Score Requirements

✔ Requires a high CIBIL score (typically 750+) for premium credit cards
✔ Limited options for low-income groups or individuals with no credit history
✔ Not as easy to get approved compared to private bank credit cards

Who it affects: First-time credit card users, students, or low-salaried applicants.

6. Slow Customer Support & Service Delays

✔ Union Bank of India’s customer service is not as fast as private banks
✔ Complaint resolution and query response may take longer
✔ Limited online chat or instant assistance options

Who it affects: Users who expect quick query resolutions and proactive customer support.

7. Limited Digital Banking & App Features

✔ The mobile banking app experience is not as seamless as private banks
✔ Limited digital services for credit card management
✔ Reward point tracking and redemption are not as user-friendly

Who it affects: Tech-savvy users who prefer digital banking for credit card management.

8. International Transaction Limitations

✔ Not all Union Bank of India credit cards offer complimentary international lounge access
✔ Foreign exchange markup fees are high (around 3.5%)
✔ Limited acceptance at international merchants compared to Visa/Mastercard-backed premium cards

Who it affects: Frequent travelers or users making international purchases.

9. No Premium Travel & Lounge Benefits

✔ No exclusive frequent flyer programs for travelers
✔ Limited free lounge access at airports (only on selected variants)
✔ Fewer travel perks compared to competitors like HDFC Regalia, SBI Elite, or ICICI Coral

Who it affects: Frequent travelers who want premium benefits.

10. Lower Credit Limits Compared to Private Banks

✔ Union Bank of India generally offers lower credit limits, especially for new users
✔ Customers with high income and good credit scores may still get lower limits compared to private banks
✔ Limit enhancements may take longer due to strict approval policies

Who it affects: High-spending users who need larger credit limits for transactions.

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How to Apply for a Union Bank of India Credit Card

Applying for a Union Bank of India Credit Card is a straightforward process, whether you choose to apply online or offline. Below is a step-by-step guide to help you with the application process, including eligibility requirements, required documents, and approval timelines.

Step 1: Check Eligibility Criteria

Before applying, ensure you meet the basic eligibility requirements for a Union Bank of India Credit Card:

✔ Age Requirement: Must be between 18 to 60 years old (varies based on the credit card type).
✔ Income Requirement: Minimum monthly income should be ₹15,000 to ₹25,000 (varies by card).
✔ Employment Type: Salaried or self-employed individuals with stable income.
✔ Credit Score: CIBIL score of 700+ is preferred for faster approval.
✔ Existing Relationship with the Bank: Having a savings or salary account with Union Bank can increase approval chances.

Step 2: Choose the Right Credit Card

Union Bank of India offers different credit cards tailored to various needs, such as shopping, travel, fuel, or lifestyle. Choose the best credit card based on:

✔ Rewards & Cashback Offers
✔ Annual Fees & Waivers
✔ Interest Rates & Other Charges
✔ Additional Perks (Travel, Dining, Fuel Benefits, etc.)

You can compare different Union Bank of India Credit Cards on their official website before proceeding with the application.

Step 3: Gather the Required Documents

To apply for a Union Bank of India Credit Card, you need to submit the following documents:

1. Identity Proof (Any One of the Following)

• Aadhaar Card
• PAN Card (Mandatory)
• Voter ID
• Passport
• Driving License

2. Address Proof (Any One of the Following)

• Aadhaar Card
• Utility Bills (Electricity, Water, Gas) – Not older than 3 months
• Passport
• Rental Agreement

3. Income Proof (For Salaried & Self-Employed Individuals)

• Salary Slips (Last 3 months)
• Bank Statements (Last 6 months)
• Income Tax Return (ITR) for the last 2 years (for self-employed individuals)

4. Recent Passport-Sized Photograph

• Must be clear and in color

Having all the required documents ready will speed up the application process.

Step 4: Apply for the Credit Card

Option 1: Apply Online (Faster & Convenient)

You can apply for a Union Bank of India Credit Card online through the official website. Here’s how:

1. Visit the official Union Bank of India website:

• Go to the Credit Cards section

2. Choose your preferred credit card:

• Click on “Apply Now” under the desired card

3. Fill in the Online Application Form:

• Enter personal details (Name, Mobile Number, PAN, Address, etc.)
• Provide employment details (Salary, Employer Name, etc.)
• Upload required documents

4. Submit the application and wait for approval:

• Once submitted, you will receive an acknowledgment email/SMS.

Option 2: Apply Offline (Visit a Branch)

You can also apply by visiting the nearest Union Bank of India branch.

1. Visit a branch and request a credit card application form.
2. Fill out the form with accurate details.
3. Attach self-attested copies of the required documents.
4. Submit the form to the bank representative.
5. Wait for verification and approval.

Step 5: Verification & Approval Process

Once you have submitted the application, the bank will verify your details:

✔ Document Verification: Bank officials will cross-check all submitted documents.
✔ Credit Score Check: A higher CIBIL score increases your chances of approval.
✔ Income & Employment Verification: The bank may call your employer for verification.
✔ Physical Address Verification: In some cases, the bank may send a representative to verify your address.

Approval Timeline

• Online Applications: 5-7 business days
• Offline Applications: 7-10 business days

If everything is in order, the bank will approve your credit card and dispatch it within 7-15 working days.

Step 6: Activate Your Union Bank of India Credit Card

Once you receive your card, you need to activate it before use.

How to Activate Your Credit Card?

✔ Through Customer Care: Call the Union Bank of India Credit Card Customer Support and follow the activation steps.
✔ Via ATM: Insert your credit card at any Union Bank ATM and set a PIN.
✔ Internet Banking: Log in to Union Bank’s net banking and activate the card.

Step 7: Start Using Your Credit Card

After activation, you can use your Union Bank of India Credit Card for:

✔ Shopping (Online & Offline)
✔ Bill Payments & Utilities
✔ Travel & Dining Expenses
✔ EMI Conversion & Cash Withdrawals

Pro Tip: Always pay your credit card bill on time to avoid late fees and maintain a healthy credit score.

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Conclusion

The Union Bank of India Credit Card offers a wide range of benefits, making it an excellent financial tool for individuals seeking convenience, security, and exclusive rewards. Whether you need a card for shopping, travel, fuel, dining, or everyday expenses, Union Bank provides multiple options to suit various financial needs.

With low interest rates, attractive cashback, rewards, and flexible repayment options, these credit cards ensure a seamless banking experience. Additionally, Union Bank’s transparent fee structure and customer-friendly policies make it a trusted choice for credit card users.

However, like any financial product, it is crucial to use your credit card responsibly. Always ensure timely payments, track your spending, and maintain a good credit score (CIBIL 700+ or higher) to enjoy hassle-free approvals and credit limit enhancements.

If you’re looking for a reliable credit card with great benefits and minimal hassle, a Union Bank of India Credit Card could be the perfect choice. Explore different card options, compare their features, and apply for the one that best fits your lifestyle and financial goals.

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FAQs

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Disclaimer-:

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The information provided on this blog is for educational and informational purposes only and should not be considered as financial, investment, or professional advice. We do not engage in, endorse, or offer any financial services, investment opportunities, or related business activities.

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By PaisaInvests