➥ Cards are issued to customers and also to Non-customers
on selective basis. ➥ Primary card holder should
be in the age bracket of 21 years to 65 years. ➥
Add-on card holder should be 18 years and above.
➥ Income Eligibility is Rs 4.80 lacs per Annum.
➥ 2 years Income Tax Returns with
computation sheets ➥ For Salaried class Form 16 /
ITRs with latest Salary slip. ➥ Cards are also
issued against lien on Deposit with 25% margin without insisting
for Income Proof & Scoring Model.
The above
eligibility criteria are only indicative. The Bank
reserves the right to approve or decline applications for Credit
Card.
Customer having Fixed Deposit in Union Bank can apply for UBI credit card
and 75% of the deposit amount will be sanctioned as card limit
and lien will be marked on the deposit.The customers who availed
housing loan above 10 lakhs and are in performing status with
Union Bank of India can apply through their loan account branch.
➥ Application for credit card with complete information
➥ Two Passport size Color Photographs ➥
Latest Income Tax Returns for 2 years / Form 16 / Salary Slip
➥ Valid Proof of address, Valid ID Proof, Pan Copy as per
KYC norms
Up on
submission of completed application with all valid enclosures it
will be processed within 7 working days by the account maintained
branch subject to fulfilling the eligibility criteria as bank
norms. T & C Apply.
There
is no single basis for assigning credit limit. There are various
parameters on the basis of which credit limit is decided by the
Bank at its sole discretion.
Cash advance facility at 20% to 40% as per the card variant on the Card Limit
subject to ATM daily cash withdrawal Limit of maximum Two transactions or Rs 20,000/- per day. For details visit
https://unioncards.unionbankofindia.co.in/
Up on receipt of the card the card holder can request for card
activation through various methods namely, ➥ By
sending SMS from registered mobile number only to 7836884400 as
(CARDACKW
XXXX where XXXX denotes last four digit of the
card number).
➥ By calling our 24 * 7 toll free 1800 425 1515.
➥ By registering in our credit card online portal through
the link https://unioncards.unionbankofindia.co.in/
The card holder can start using the card up on receipt of
successful activation SMS from the bank.
➥ As a green initiative, you can generate pin either through Union Credit Card Mobile App or
Web Portal https://unioncards.unionbankofindia.co.in
➥ Alternatively the card holder may also send SMS
from registered mobile to 7836884400 as (ATMOTPRQ
XXXX where XXXX denotes last four digit of the
card number). The card holder will receive an OTP and using the
OTP the PIN can be generated by visiting any nearby Union Bank of India
ATM's.
➥ For cash payment at Union Bank of India branches 1-2 working days
( No charges for cash payments) ➥ For cheque
payment 5 - 6 working days ➥ For online payment 48
to 72 Working hours.
In case any query regarding credit card payments made
by the card holder not reflecting in the card account the card
holder can send mail to ccdbilling@unionbankofindia.bank with valid
proof of payment.
The
card holder has to send the request letter along with valid
address proof through post to credit card division (address
printed on the rear side of the credit card) or by sending mail
to ccdhelpdesk@unionbankofindia.bank through his registered mail id
only by attaching the scanned copies of request letter and valid
address proof.
The
card holder can place a request for enhancement of card limit
based on the income criteria and up on submission of valid Income
proof to justify enhancement. The enhancement of the limit is at
the sole discretion of the bank.
All of our credit cards are internationally valid. However as per
RBI guideline the credit cards will be restricted to domestic
usage by default. The card holder can enable / disable
international usage through our credit card portal / credit card
mobile app.
The card holder can also enable / disable the
international flag through our Union Bank of India mobile banking app if
the card holder is also an account holder of Union Bank of India and
registered for mobile banking facility.
The card holder should mention only his customer ID instead of
card number to avoid exposure of critical data through mail
during any correspondence. The customer ID is mentioned in the
monthly credit card bills and it can also be obtained by sending
SMS to 7836884400 as (GETCUSID
XXXX where XXXX denotes last four digit of the
card number) from the registered mobile number only.