UBI Platinum Credit Card

‘UBI Platinum Credit Card’ is an Aadhar enabled credit card from United Bank of India. This card is offered for almost free of cost. Also this card has a number of features and benefits like Cashback and reward offer, discount on fuel surcharges, privileges on lifestyle, add on card, EMI option and a coverage against accidental and Air accidental deaths. In fact this is one of the best low cost card offered from UBI. 

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – 21 – 65 years.
  • Occupation – both salaried and self-employed people can apply.
  • Income – 5lakh annually. Also you can get this card against your term deposit.
  • Term deposit value – ₹ 25,000 – ₹ 5 lakh. 
  • A Good relation with the bank.
  • 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)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months)
  • KYC-PAN.
  • Fees –  
  • Joining fee – None
  • Annual fee – None
  • Add on fee – None
  • Finance Charge – 1.90%
  • Benefits – The benefits of the card are –
  • Zero joining – This card is almost free of cost. You don’t need to pay any joining and annual fee for the card. You can enjoy all the benefits of the card for free.
  • Reward and cash-back offer – You can earn reward points with your each transaction. You can win up to 2 reward points on each ₹ 100 transaction (applicable if annual spent is ₹ 30,000). You can also win big cash-back with your transactions, you can win ₹ 50 cash-back monthly on utility and fund transfer to mobile wallet. You can also get ₹ 25 on rail ticket booking(spend – ₹ 300)
  • Fuel surcharge Waiver – With this card you can enjoy up to ₹ 75 discount on fuel surcharges monthly. You can enjoy this offer at all the fuel stations in India. (transaction -₹ 400 – ₹ 4000)
  • Aadhar Enable – with this card you can enjoy the benefits of aadhar enablity as this card is aadhar enabled.
  • Personalization – United Bank of India gives you the authority to customize your ‘UBI Platinum Credit Card’.
  • Lifestyle Privileges – With this card you can experience impressive lifestyle and car rental and travel benefits. You can upgrade your lifestyle with all these benefits of the card.
  • Dining – With this card you can enjoy premium experience of Dining at most of frontline restaurants in India with impressive discounts and privileges.
  • Insurance Coverage – With this card you can get coverage of interest against accidental and air accidental deaths. You will get ₹ 5 lakh coverage against any accidental deaths & ₹ 8 lakh for Air accidental deaths.
  • Lost or stolen cards – If your card is lost you can call UBI customer service and block your stolen or lost card immediately. Just call to 1800 223 222 to block your lost card. You can also ask for any help for any king of fraud too.
  • Add on card – Now you can share the benefits of your card our loved ones. Just add your loved ones( children, parents, siblings, family member) with your card. And they can also enjoy the benefits of having a credit card.
  • EMI facility – You can now extend your shopping bills without worrying about low budget. As with your ‘UBI Platinum Credit Card’ you can now transform your big shopping amount into easy monthly EMIs. You can pay any big bills in EM.
  • Interest free period – With this card you can enjoy up to 50 days of interest free period.
  • Charges –
  • Cash Advance – ₹ 100.
  • Late payment Fee – ₹ 200.
  • Foreign currency transaction – 3.5% against the transaction amount.
  • Other features –
  • Universal acceptance – This card is accepted worldwide you can use the card almost any-where in the world.
  • Online control – With UBI you can now supervise your account online. You can pay bills, transfer money and control your account through net-banking.
  • Alert facility – With this feature you can feel more safe and secure. United bank of India sends you SMS and Emails from time to time regarding your account. You will also receive SMS on every transactions.
  • EMI facility – You can now extend your shopping bills without worrying about low budget. As with your ‘UBI Platinum Credit Card’ you can now transform your big shopping amount into easy monthly EMIs. You can pay any big bills in EM.
  • 24X7 customer care – United Bank of India customer service is 24X7 active you can ask for any help any time.
  • Customer care number –
  • 1800 223 222
  • 1800 222 244
  • 022 40426008
  • Final verdict –

If you are looking for a credit card at a low cost and with many features & benefits then this is the card you need. It comes with a number of benefits and it is almost free of cost. So if you are eligible then this could be your first choice as it offers the best possible features at a very low rate.   

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