UBI Silver Credit Card Review

The UBI Silver Credit Card is a lifetime free entry-level credit card designed for beginners. Keeping the needs of first-time applicants in mind, this card offers assured rewards with every transaction, complimentary insurance coverage, handsome monthly waivers on fuel surcharges, and lots more. Make sure to go through the complete review to know more about union bank card benefits.

Who can apply for a union bank credit card?

  • Resident Type: Indian. 
  • Union bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • union bank credit card minimum salary requirement: Above Rs.20,000 monthly. 
  • UBI credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • UBI credit card minimum salary requirement: Above Rs.30,000 monthly.
  • A CIBIL score of 650+ is needed to apply for this union bank card.

What documents are required to apply for a union bank of india card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

What are the UBI Silver credit card fees?

  • UBI credit card joining fee: None. 
  • UBI credit card annual fee: None. 

What are the UBI Silver credit card benefits?

  • Make your every transaction rewarding:

Every transaction made using your ubi credit card can earn you assured UBI rewards. Your UBI card also features zero convenience fee on reward redemption. 

  • Get freedom from fuel surcharges:

This ubi card offers attractive waivers on fuel surcharges across all fuel stations in India. The maximum waiver you can earn in a UBI credit card statement cycle depends on your credit card usage.

  • Complimentary insurance coverage:

This ubi card comes with a built-in air accidental death coverage of Rs. 4 lakh and a personal accidental coverage of Rs.2 lakh.

  • Instant union bank credit card payment options:

You are allowed to make your credit card bill payment online from your net banking account or by using any credit card bill payment app like Cred, Paytm, PhonePe, Google Pay, etc. 

  • Enjoy easy bill splitting:

Your UBI card allows you to convert your high-value purchases into EMI. This UBI credit card emi option is beneficial for frequent shoppers. 

  • Advanced security arrangements:

This card is armed with the advanced EMV chip, this chip with its new-gen encryption method makes your card extremely resistant to credit card cloning

What are the union bank credit card charges?


Chargeable amount

Credit card cash withdrawal charge

2.50% against the withdrawn amount (check your union bank credit card limit before making a withdrawal)

UBI bank credit card finance charge

1.90% monthly (applicable if your ubi credit card payment is not made in time)

International credit card transaction charge

3.50% against the transaction amount

UBI add-on credit card fee


How to contact the union bank credit card customer care department?

100xGain Ratings: 


Pros and cons of the UBI Silver card:



  • It is a lifetime free credit card.
  • This card features a very low-interest rate.
  • There are no discounts or cashback offers on this card.
  • This card does not feature any dining or entertainment benefits.

Final Opinion:

If you are new in the credit card market or if you need a low-cost credit card to repair your credit score, then the UBI silver credit card would be helpful for you. It lets you enjoy assured ubi rewards with every transaction, a minimal interest rate against revolving credit, and complimentary insurance coverage.

But you can’t get this union bank of india credit card anymore, since it is discontinued. Therefore, if you are looking for a better alternative, I would suggest you visit our best lifetime free credit card page. You can also compare the alternative card options given below.

Alternative cards: 

  1. Indusind Bank PAYBACK Credit Card (Best for reward benefits)
  2. Kotak My Team Credit Card (Best for reward and cashback benefits) 
  3. FBB SBI STYLEUP Credit Card (Best for reward benefits) 


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