UBI Gold Credit Card

‘United Bank Gold Credit Card’ is a credit card from United Bank of India. This card is specially designed to fit in your budget. It comes with zero joining and annual fee. Also it has some other features like reward option. Add on card, lifestyle features, world-wide acceptance etc. Also with this card you are protected against any accidental and air accidental situations. In fact this is the best low budget card available in India.

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – 21 – 65 years.
  • Occupation – this card is available for both salaried & self-employed people.
  • Income – 5 lakhs, annually. You can also avail this card against your term deposit amount.
  • Term deposit amount – ₹ 25,000 – ₹ 5 lakh.
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • Driving License
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Gas, Electricity or any utility bill. ( recent )
  • Passport.
  • Ration card.
  • Document of property registration.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • Salary Slip (recent 3 months)
  • Recently submitted form 16.
  • KYC-PAN.
  • Fees –  
  • Joining fee – None.
  • Annual fee – None.
  • Add on fee – None.
  • Finance charge – 1.90%
  • Benefits – The features and benefits of the card is described below –
  • Free of cost – This card is almost free from all costs. You don’t have to pay any annual or renewal fee for this card. And this offer is for lifetime.
  • Reward collection – With this card you can earn reward points on each of your transactions, you can earn reward points on each ₹ 100 transaction. The schemes are 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.  
  • Reward redemption – You can redeem your collected reward points more easily you can redeem them either at any partner outlet or you can simply redeem them by calling to the customer service authority. (min 250 points is needed to redeem). You can also use your earned points for mobile recharge, ticket booking, movies, card bill payment and for flight booking.
  •  Fuel Surcharge Waiver – With your ‘United Bank Gold Credit Card’ you can enjoy a big discount on fuel surcharges at all fuel stations in India. Transaction amount – ₹ 400 to ₹ 4000.
  • Insurance coverage – Now you are covered against any accidental situations. As Union Bank of India covers you with ₹ 5 lakh for any accidental situations and with ₹ 8 lakh for Air accidental situations.  
  • Lifestyle offers – you can upgrade your lifestyle with this card. As with this card you will get impressive discounts on shopping, dining, travel and car rental.
  •  Interest free period – With this card you can enjoy up to 50 days of Interest free period.
  • Add on card – Now you can share the benefits of your card with your loved ones. You can add your children, parents, family members,(age – 18+). And they also can enjoy the benefits of  having a credit card.
  • Hotlisting facility – In case of lost card and any other frauds you can contact to the customer service for any help. You can also block your lost card any-time from any-where with just a call.
  • Charges –
  • Cash Advance – ₹ 100.
  • Late payment Fee – ₹ 200.
  • Foreign currency transaction – 3.5% against the transacted amount.
  • Other features –
  • Worldwide acceptance – This card is accepted worldwide, you can transact using this card almost from any corner of the world.
  •  EMI plans – Now you can extend your shopping bills at your will. As with ‘United Bank Gold Credit Card’ you don’t need to worry about your big shopping bills. You can easily transform your big bills into easy monthly EMIs.  
  • Online control – you can control your account online. You can also make payments transact money through net banking.
  • Alert facility – ‘With Union bank of India’ you can always feel safe and secure. You will get notification through SMS and Emails on every transactions.
  • 24X7 customer service – You will experience a better customer service with UBI. They are 24X7 active and you can ask for any help anytime.
  • Customer care number –
  • 1800 223 222
  • 1800 222 244
  • 022 404 26008
  • Final verdict –

If you are looking for a budget card that can provide you lots of facilities and privileges, then this is the card you need. it comes with a number of privileges and benefits like a reward facility, add-on feature, fuel surcharge waiver, online control, and coverage against accidental deaths, etc. These features can make it the first choice for you.

Categories UBI

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