UBI Signature Credit Card

‘UBI Signature Credit Card’ is a premium credit card from Union Bank of India. This card is one of the best credit card from UBI. This card comes with a number of features and benefits like – fuel surcharge waiver, interest free period, EMI facility, Insurance coverage, instant cash facility, personalization option, and airport lounge access, and lots more. In fact this is probably the best credit card that you can get at very low cost.     

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – 21 – 65 years.
  • Occupation – Both self-employed and salaried people can apply.
  • Income – Min 5 lakh (annually). You can also get this card against a fixed deposit.
  • The fixed deposit must be ₹ 25000 – 5 lakh.
  • A good relation with the bank.
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • o   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 –
  • Recently submitted form 16.
  • 3 month’s bank statement. (latest)
  • Salary Slip (recent 3 months)
  • KYC-PAN.
  • Fees – 
  • Joining fee – None.  
  • Annual fee – ₹ 250. (can also be waved off if annual fee is ₹ 1 lakh or more)
  • Add on fee – None.
  • Interest rate (p.m.) – 1.90%
  • Benefits – The benefits of the credit card is described below –
  • Annual fee waiver – This card comes with a very low annual fee. You can also get 100% off on annual fee if your annual fee is ₹ 1 lakh or more.
  • Interest free period – With this card you can enjoy up to 50 days of interest free period.
  • Reward points options – You can easily earn easy reward points with each of your transactions. You can win up to 4 reward points on each ₹ 100 transactions. (applicable on online purchases)
  • Reward redemption – You can also redeem your reward points very easily. You can use your earned reward points for mobile recharge, hotel and travel bookings and lots more.
  • Fuel Surcharge Waiver- With this card you can enjoy a big waved off on fuel surcharges at all petrol stations in India.
  • Credit limit – With this card you can enjoy up to 20% against your annual income.
  • Dining – With this card you can enjoy dining at most of the premium restaurants in India. As with your ‘UBI Signature Credit Card’ you can experience dining with up to 10% discount at over 1200 selected restaurants in India.
  • Car Rental – You can get exclusive cash-back offer on luxury car rental. You can get 5% – 10% cash-back on car rentals.
  • Lounge access – With this card you can get up to 2 lounge access at domestic and international lounges for free (quarterly).
  • Lost card – If your card is lost or stolen you can block your card from anywhere with just a call to UBI customer care. If you report within 3 days your liability will be limited to a certain amount. 
  • Add on facility – With this feature you can share the benefits of your card with your loved ones who don’t have any. Just add your loved ones (children, parents, siblings or any family members of 18+) with your card and they can also enjoy the awesome benefits of a credit card.
  • Insurance Coverage – With this card you can get coverage against accidental and air accidental deaths. You can get coverage of ₹ 6 lakhs against any accidental and ₹ 10 lakh coverage against air accidental deaths.
  • Charges –
  • Cash Advance – ₹ 100. (at ATM)
  • Late payment Fee – ₹ 200.
  • Foreign currency transaction – 3.5% against the transacted amount.
  • Other benefits –
  • Worldwide acceptance – This card is worldwide accepted. You can use this card at any-where in the world.
  • Emi facility – Now you don’t need to worry about your big bills. With your ‘UBI Signature Credit Card’ you can transform them into easy monthly EMIs.
  • EMV facility – this card comes with a built in EMV chip. This is helpful for secure and safe transaction. You can use this card with your NFC enabled mobile phones for payments.
  • 24X7 customer care – With United Bank of India you can experience a premium and always active customer service. You can ask them for  help at any time.
  • Customer care number –
  • 1800 223 222
  • 1800 222 244
  • 022 40426008
  • Final verdict –

If you are looking for a premium credit card at a low price, then this is the card for you. It comes with a lot of premium features and benefits like Lounge access, Dining offer, Fuel surcharge waiver, Insurance coverage, and lots more. So if you are eligible then you must go for it.

Categories UBI

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