UBI Classic Credit Card Review

UBI’s classic credit card is a Visa credit card from the United Bank of India. This is one of the cheapest credit cards available in the Indian market. This card comes with zero joining and annual fees. The benefits offered by the card are reward points, fuel surcharge waiver, EMI option, add-on facility, and lots more. It also covers you against accidental and air accidental deaths. In fact, this is one of the best low-cost credit cards from UBI.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹5 lakh annually. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹5 lakh annually.
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: None. 


  • Reward benefit:

This card offers reward points on every purchase you make with your card. The reward scheme is stated below – 

  • Monthly spend ₹ 10,000 – 1 reward / ₹ 100 spend. 
  • Monthly spend ₹ 10,000 – 30,000 – 1.5 point / ₹ 100 spend.
  • Monthly spend ₹ 30,000 or more – 2 points / ₹ 100 spend.  

There are multiple options to redeem your reward points, you can use them at any partner’s outlets or simply redeem them by calling the customer service authority.

  • Fuel surcharge waiver:

This card offers a big waiver on fuel surcharges, this offer is applicable at any fuel station in India. The transaction amount should be between ₹400 to ₹4000. 

  • Insurance coverage:

This card offers up to ₹8lakh coverage against air accidental death, and ₹5 lakh coverage against any accidental deaths. 

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  •  Interest-Free period:

With this card, you can enjoy up to 50 days of Interest-free period.

  • EMI Facility:

With this card, you can convert your high-value purchases into EMI. This feature is very helpful for frequent shoppers.  

  • Alert facility:

With Union Bank of India, you can always feel safe and secure. You will get a notification through SMS and Emails on every transaction made with this card.

  • Global acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the Visa Credit Cards are accepted.


  • Cash Withdrawal Charge: 2.50% against the amount. 
  • Finance Charge: 1.90% monthly. 

Contact Details:

Call: 1800 22 32 22


100xGain Ratings:


Final Opinion:

If you want a low-cost credit card for your daily use, then this card can be a good option for you. You can use this card for your daily needs and earn reward points from them. This card also offers a fuel surcharge waiver, EMI facility, Insurance coverage, and lots more. 

But this card does not feature benefits like lounge access, travel benefit, etc. So if you want benefits on lounge access you can go for Etihad Guest SBI Card, and if you want benefits on travel then you can go for ICICI Bank InterMiles Credit Card

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