UBI Gold Credit Card Review

United Bank Gold Credit Card is a credit card from the United Bank of India. This card is specially designed to fit your budget. It comes with zero joining and annual fees. Also, it offers some exclusive benefits like reward options, fuel surcharge waivers, add-on cards, EMI options, worldwide acceptance, etc. Also with this card, you are protected against any accidental and air accidental situations. This is one of the best low-budget cards available in India.

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:

UBI Gold Credit Card is a low-cost credit card for daily use this card is also beneficial for beginners since it offers a lower interest rate. also, you can earn reward points on every purchase, and an exclusive waiver on fuel surcharges. This card also offers insurance coverage, EMI facility, an Add-on card, and lots more. So if you are looking for a low-cost credit card for daily use, then this card can be a good option for you. 

But this card does not feature benefits like Entertainment or dining, Travel benefits, etc. So if you want Entertainment related benefits then you can go for HSBC Premier MasterCard Credit Card, and if you want benefits on travel then you can go for Axis My Wings Credit Card. And if you are applying for a credit card for the first time and you don’t have enough credit score, then you can go for secured credit cards like Axis Bank Insta Easy Credit Card.  

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