Union Bank VISA Platinum Credit Card

Outstanding amount

Late payment fee

Joining fee

NIL

Annual fee

Rs.399

Annual fee for add-on credit cards

Rs.299

Fee to get an add-on credit card

Rs.300

Roll-over facility fee

5%

Interest-free period

21 to 50 days

Cash advance limit

30% of the limit that has been sanctioned by the bank

Lost card charges

NIL

Replacement of lost credit card

Rs.249

Charge-slip request

Rs.200

Transactions fee at railways

1.5% + IRCTC charges

Foreign currency mark-up fee

3%

Temporary enhancement fee

Rs.200 per occasion

Fee for hotlisting a credit card

Rs.200

Withdrawal of cash from Union Bank of India ATMs

3% of the amount you withdraw or Rs.200 (whichever is higher)

Withdrawal of cash from other banks' ATMs

3% of the amount you withdraw or Rs.200 (whichever is higher) + Rs.50

Balance enquiry at Union Bank of India ATMs

NIL

Balance Enquiry at ATMs of other banks

Rs.20

Interest payable on cash advances

2.5% every month

Service charge on revolving credit facility (if your Minimum Payment Due (MPD) has been paid by the due date)

2.5% per month or 34.49% (Annualised Percentage Rate)

Service charge on revolving credit facility (if your Minimum Payment Due-MPD has not been paid by the due date)

2.95% per month or 41.75% (Annualised Percentage Rate)

Overlimit fee

2.5% of the overlimit amount, subject to a minimum of Rs.250

Duplicate statement (over 3 months)

Rs.50 per statement

Duplicate physical PIN mailer

Rs.50 per occasion

Processing fee

2% subject to a minimum of Rs.200 and a maximum amount of Rs.1,000

Interest

16% per year (reducing balance method)

Late payment fee

1. Up to Rs.25,000 - Rs.200
2. Over Rs.25,000 - Rs.500

Up to Rs.25,000

Rs.200

Over Rs.25,000

Rs.500