Union Bank of India Credit Card Review: Introduction
Union Bank of India offers a scope of credit cards with superlative benefits going from shopping, feasting, ticket appointments, travel, diversion and considerably more. Union Bank of India charge cards are offered in various variations like Gold, Classic and Silver. Clients can decide on a charge card with a photograph or without, and Union Bank will modify cards as per their necessities. Union Bank International Visa charge cards have the adaptability of being utilised at any trader outlet over the globe. Clients can likewise make money withdrawals at ATMs, around the world. A one of a kind office accessible with all Union Bank of India charge cards is, “Union Insta Cash”, through which clients can make money withdrawals for up to Rs.1000 at select shipper outlets.
Features and Benefits
Annual charges:
Clients don’t need to pay any yearly expenses for a Union Bank of India charge card. Just holders of the Signature charge card need to tolerate a yearly expense of Rs. 250, which will likewise be postponed off if the Visa spend is over Rs. 1 lakh.
lifestyle benefits:
Union Bank of India charge cards offer outstanding way of life benefits comprehensive of limits on eating charges, vehicle rental offers, diversion benefits, travel benefits and a great prizes program.
Add on cards:
Union Bank of India essential card holders additionally have the alternative of benefiting add-on cards for their relatives.
Union Rewards:
Union Bank of India offers an energising faithfulness program, “Union Rewards” to Visa holders, through which prizes focuses can be accumulated by making PoS exchanges and on online business outlets. Recovery should be possible for blessing vouchers, stock, travel tickets, and so on. Union Bank of India consequently selects another card part into the Union Rewards reliability program. Clients can acquire rewards focuses with a base spend of Rs. 100. Reclamations should be possible, when at least 100 prizes focuses has been amassed.
Union focuses can be earned dependent on the client’s month to month spend on a Union Bank of India Mastercard. The prizes focuses’ structure is as per the following –
On the off chance that the month to month spend is up to Rs. 10,000, at that point 1 Union Point can be earned with each Rs. 100 spent.
In the event that the month to month spend runs between Rs. 10,001 to Rs. 30,000, at that point focuses can be earned at the pace of 1.5 focuses for each Rs.100 spent.
On the off chance that the month to month spend is above Rs. 30,000, at that point 2 Union Points can be earned with each Rs. 100 spent.
Insurance:
Contingent upon the kind of charge card picked, Union Bank of India offers individual inadvertent passing protection and air mishap protection to clients. The sum safeguarded again shifts with the kind of card picked.
Fuel Surcharge Waiver:
Union Bank clients can appreciate additional charge waivers on fuel exchanges for buy sums going between Rs. 400 and Rs. 4000.
EMI plans:
Clients can without much of a stretch believer their high-esteem buys into regularly scheduled payments and reimburse back in residencies of 3,6,9,23,24 or 28 months.
24/7 Hotlisting Facility:
Credit cards that are lost or taken can be hot recorded or hindered by reaching the every minute of every day helpline accessible from Union Bank of India.
Interest Free Period:
Union Bank of India offers a premium free credit period to as long as 50 days to all charge card holders.
Union Bank of India Credit Card Eligibility
- The stipulated pay models must be met by Visa International Credit Card candidates.
- Mark Visas can be acquired if the candidate has a base salary of Rs. 5 lakhs for every annum.
- Usecure credit cards can be benefited by clients holding a term store for any worth going from Rs 25,000 to Rs 5, 00,000.
Union Bank of India Credit Cards – Documents Required
- Salaried Employees and Self-Utilized Professionals:
- PAN Card
- Address Proof
- Pay Proof for Salaried Employees – Pay slip/Salary Certificate/Form 16/Income Tax returns
- Salary Proof for Self-Utilized Professionals – Income Tax returns/Form 16
Union Bank VISA International Credit Card/Union Bank of India Signature Credit Card
As a global charge card, this card is accessible as a Photo Signature VISA Card and a Non Photo VISA card, which is the EMV Platinum International card. Pressed with outstanding highlights and advantages, the Photo Signature card additionally comes in three variations in particular – Gold, Classic and Silver.
Union Bank of India Usecure Credit Card
The Usecure charge card can be taken against a Union Bank of India fixed store with sums extending between Rs 25,000 to Rs 5, 00,000. Candidates who don’t have any salary verification can undoubtedly benefit this Credit card, by utilizing their fixed stores. The Usecure charge card offers superb feasting, diversion and travel benefits to clients.
Conclusion
A Union Bank of India Visa accompanies unmatchable highlights and benefits and can be utilized at global trader outlets. Clients likewise have the alternative of picking a Photo Signature VISA Card or a Non-Photo VISA card according to their prerequisites. For residential use, the Photo Signature VISA Card is accessible in three variations, Classic, Gold and Silver.