Union Bank of India Classic Card, Silver Card, Gold Card

Union Bank’s International Credit Card allows you to pay at your own convenience, bridging the gap between wanting and having. Union Bank in association with VISA International offers Global credit card- Union Card for its customers.

Features & Benefits:

Globally Accepted
Union Card is accepted worldwide in millions of merchant establishments and ATM’s where VISA logo is displayed

Photo cards with signature
Cards are issued with photograph and signature of the cardholder for enhanced safety

Cash advance facility
Cardholders can have access to cash advance round the clock at all ATMs of Union Bank in India and ATMs where VISA logo is displayed in India and abroad

Absolutely Free Card – No annual / renewal fee
Union Cards are issued absolutely free without any annual / renewal charges

Free accidental insurance cover
Cardholders are eligible for free accidental insurance cover ranging from Rs.1 lakh to Rs.8 lakh depending on the type of card.

Lower Interest rates
Interest rate on rollover credit at 1.90% per month only calculated on the outstanding balance on daily product basis.

Attractive reward scheme
The cardholders can earn while they spend using the card and avail the benefit of attractive reward programmes launched by the bank from time to time.

Flexi payment option
Cardholders can opt to pay a minimum 10% on the outstanding amount and option to carry over the balance.

Free value added services
Union Cardholders can avail SMS alert and Email Statement services.

Flexi Payment Option

With this facility, revolve the credit by paying only a minimum of 10% of actual balance in the month or 10% of the card limit + 100% of over limit usage, which is called ‘minimum payment due’.

You can either pay minimum due or any higher amount than the minimum payment due and less than the total payment due before the payment due date of the statement while the balance could be carried forward to the next statement with applicable interest / finance charges.

On paying minimum payment due or less than total payment due, then interest would be levied for the balance amount carried over from the date of original purchase / spend.