UBI Classic Credit Card

‘UBI classic credit card’ is visa credit card form ‘United Bank of India’. This is one of the cheapest credit card available in Indian market. This card comes with zero joining and annual fees. It also comes with a wide range of privileges on dining, shopping, travel entertainment, ticket booking and lots more. it also overs you against air accidental deaths. In fact this is the best low cost credit card from UBI.

  • Eligibility criteria –
  • Nationality – Indian
  • Age – 21 – 65 years.
  • Occupation – Both Salaried and Self-employed people can apply for this card.
  • Income – you can avail this card against your term deposit.
  • Term Deposit Value – from between ₹ 25,000 to ₹ 5 lakh.
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • Driving License
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Passport.
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Document of property registration.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months) (for salaried people)
  • KYC-PAN.
  • Tax return documents.
  • Fees –  
  • Joining fee – None.
  • Annual fee – None.
  • Finance charge – 1.90%
  • Benefits – The awesome benefits of the card is described below –
  • Reward point collection – With this card you can earn reward points more easily.
  • If your monthly spend is up to ₹ 10,000. You will get 1 reward point for each ₹ 100 transaction.
  • If your monthly spend is somewhere between 10,000 – 30,000. You will get 1.5 reward points for each 100 rupee transaction.
  • If your spend is more than 30,000 then you can get 2 reward points for each ₹ 100 spend.
  • Zero annual and renewal fee – you can get this car for free. It comes with zero annual and zero joining fees. That means you can enjoy the previleges of this card for fee.
  • Lifestyle benefits – With this card you can improve your lifestyle a lot. You can enjoy awesome privileges and discounts on dining, entertainment, car rental etc.
  • Add on card  –ou can now share the benefits of your card with your loved ones. You can add your – children, parents, siblings, family members(age – 18+) with your card and they can also enjoy the same benefits as you.
  • Fuel surcharge waiver – with your ‘UBI classic credit card’ you can enjoy a handsome waved off amount on fuel surcharges at most of the fuel station in India. (transaction amount – ₹ 400 – ₹ 4000)
  • Interest free period  – Now you don’t need to worry about your card interest as with your ‘UBI classic credit card’ you will get an interest free period of up to 50 days.
  • Emi facility – Now you can extend your budget and you don’t need to worry about your big shopping bills with this card you can easily transform your big shopping bills into easy monthly EMIs.
  • Insurance coverage – this card comes with a free coverage against any accidental situations –
  • Other accidents – You are covered with ₹ 1 lakh.
  • Air accidents – In case of air accidents and deaths UBI covers you with up to ₹ 2 lakh.
  • Lost card  – In case if your card is lost then you can block your lost card from anywhere in the earth with just a call to UBI customer service. If you report within 3 days your liability will be limited to ₹ 1000.
  • Online control – you can control your account online, you can make payment through net banking facility.
  • Alert facility – with this card you will always be updated about your account. You will get SMS on each transactions. This feature will give you more security.  
  • Worldwide acceptance – this card is accepted worldwide you can make transaction with this card from almost any corner of the world.
  • 24X7 customer service – United Bank customer service provides world class and premium customer service you can ask for any help anytime.
  • Charges –
  • Cash Advance –  ₹ 100 (ATM)
  • Late payment Fee – ₹ 200.
  • Foreign currency transaction –3.5% against the transaction amount.  
  • Customer care number –
  • 1800 22 22 44
  • 1800 208 2244
  • +918061817110
  • Final verdict –

If you are looking for a credit card with benefits and facilities for cheap then this card is perfect for you. It comes with zero joining and annual fee also it has a number of other facilities like- insurance coverage, reward point options, Add on the card, EMI facility, and lots more. so if you have the eligibility then you must go for it.

Categories UBI

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