How is the credit limit determined for a Union Bank of India credit card?

The credit limit is decided based on the card holder's income and also the source of the income, at the time of application.

Do add-on cards come with a separate credit limit?

No, add-on cards offered by Union Bank of India share the primary credit card's assigned limit.

What are the different bill payment modes available to Union Bank of India credit card holders?

Customers can use the following methods to make payments towards their outstanding credit card bills: Union Bank Credit Card Bill Pay - Internet Banking, Auto Debit, and at Union Bank of India branches .

What are the charges that are levied when no payment is done towards an outstanding credit card bill?

The following charges are imposed by Union Bank - Late payment fees and Interest is calculated from the purchase date for all transactions. .

What are the charges that are levied when partial payments are done towards outstanding credit card bills?

The following charges are levied by Union Bank of India when a partial payment or the minimum amount due is paid - Interest is calculated from the purchase date for all card transactions.

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Union Bank of India Credit Card

Union Bank of India offers a range of credit cards with superlative privileges ranging from shopping, dining, ticket bookings, travel, entertainment and much more.

Updated On - 05 Sep 2025

Top Union Bank of India Credit Cards in 2025

Union Bank Credit Card	Joining Fee	Annual Fee
Union Bank RuPay Select Credit Card	NIL	Rs.499
Union Bank RuPay Platinum Credit Card	NIL	Rs.299
Union Bank VISA Gold Credit Card	NIL	Rs.299
Union Bank VISA Platinum Credit Card	NIL	Rs.399
Union Bank VISA Signature Credit Card	NIL	Rs.1,999
UNI Carbon Credit Card	Rs.499	Rs.499

Features of Union Bank of India Credit Cards

Union Bank of India credit cards come with the following features and benefits:

Interest Free Credit	With Union Bank credit, you get 21 to 50 days of interest free credit period. You can also choose how much amount of the outstanding balance you wish to pay.
Fuel Surcharge reimbursed	On purchasing fuel worth Rs1,100 per month, fuel surcharge will be reimbursed.
Insurance	You get accidental insurance coverage worth Rs.5lakh.
Accepted everywhere	The Union Bank card is accepted almost everywhere, giving you the convenience to shop.
Liability on lost card	Any fraudulent transactions up to Rs.1.5lakh post reporting credit card loss will be covered by the bank.
Offers	Avail exclusive offers on dining, entertainment and shopping with Union Bank credit card.

Features & Benefits of Various Union Bank Credit Cards

Union Bank RuPay Platinum Credit Card

Annual fee: Rs.299
Interest free credit period from 21 to 50 days.
Accidental insurance coverage up to Rs.2 lakh.
EMI facility can be availed for this card.

Union Bank RuPay Select Credit Card

Annual fee: Rs.499
Interest free credit period from 21 to 50 days.
Accidental insurance coverage up to Rs.10 lakh.

Union Bank Visa Gold Credit Card

Annual fee: Rs.299
Interest free credit period from 21 to 50 days.
Accidental insurance coverage less than Rs. 1.5 lakh.
EMI facility can be availed for this card.

Union Bank Visa Platinum Credit Card

Annual fee: Rs.399
Interest free credit period from 21 to 50 days.
Accidental insurance coverage Rs.10 lakh.
EMI facility can be availed for this card.

Union Bank Visa Signature Credit Card

Annual fee: Rs.1999
Interest free credit period from 21 to 50 days.
Accidental insurance coverage Rs.30 lakh.

Uni Carbon Credit Card

Annual fee: Rs.499
Interest free credit period from 21 to 50 days.
Accidental insurance coverage Rs.10 lakh.
EMI facility can be availed for this card.

Union Bank of India Credit Card Eligibility

Eligibility	The cardholder should be minimum 18 years of age. Cards are issued to customers. For non-customers, it is on selective basis.
Documents Required	PAN Card Address Proof Income Proof for Salaried Employees - Pay slip / Salary Certificate / Form 16 / Income Tax returns Income Proof for Self-employed Professionals - Income Tax returns / Form 16 Two passport sized photographs.

Union Bank of India Credit Card Bills

You can pay credit bills either online or you can visit the nearest branch and make the payment.

Online payment: Login to your internet banking account and pay the dues.
Offline payment: Visit the nearest Union Bank branch and pay the dues in cash/cheque. Do note that outstation cheques will not be accepted by the bank.
Auto-debit: In this facility, you can give standing instructions to the bank where you have maintained a savings account to debit the amount of credit card bills. This will automatically debit money from your savings account and transfer it to your credit card account.

Union Bank of India Credit Card Customer Care

You can call on Union Bank credit card toll-free number at 1800 22 22 44 / 1800 208 2244 for any queries. The bank also has a dedicated support number for NRI customers +918061817110

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FAQs on Union Bank of India Credit Card

How is the credit limit determined for a Union Bank of India credit card?
The credit limit is decided based on the card holder's income and also the source of the income, at the time of application.
Do add-on cards come with a separate credit limit?
No, add-on cards offered by Union Bank of India share the primary credit card's assigned limit.
What are the different bill payment modes available to Union Bank of India credit card holders?
Customers can use the following methods to make payments towards their outstanding credit card bills: Union Bank Credit Card Bill Pay - Internet Banking, Auto Debit, and at Union Bank of India branches
What are the charges that are levied when no payment is done towards an outstanding credit card bill?
The following charges are imposed by Union Bank - Late payment fees and Interest is calculated from the purchase date for all transactions.
What are the charges that are levied when partial payments are done towards outstanding credit card bills?
The following charges are levied by Union Bank of India when a partial payment or the minimum amount due is paid - Interest is calculated from the purchase date for all card transactions.

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