UBI Silver Credit Card Review

UBI Silver Credit card is a credit card from the United Bank of India. It comes with zero annual and renewal fees and several reward point options and offers like – Add-on card, Fuel Surcharge, Emi Plans, and lots more. Also, it covers you against air accidental deaths. This is one of the cheap credit cards available in India, as it gives you the best possible offers and privileges for free. 

Eligibility Criteria:

** The bank has not mentioned the eligibility criteria for this card, but as per our experience, we can say that it should be like this. 

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹20,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above ₹20,000 monthly.
  • 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 comes with some attractive reward benefits, you can also redeem your earned reward points without paying any additional fees. 

  • Fuel surcharge waiver:

This card offers a big waiver on fuel surcharges, this offer is applicable at any fuel station in India. 

  • Insurance coverage:

This card offers air accidental coverage of ₹4 lakh, and also ₹2 lakh coverage against other accidental causes.  

  • 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.

  •  EMI facility:

With this card, you can convert your high-value purchases into EMI. This offer is beneficial for frequent shoppers. 

  •  Credit limit:

This card offers a Credit limit of up to 20% of your annual income. 

  • Alert Facility:

With the United Bank of India, you can feel more safe and secure. UBI sends you a notification for each transaction.

  • EMV chip card:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions. 


  • Cash Withdrawal Charge: 2.50% against the amount. 
  • Finance Charge: 1.90% monthly. 

Contact Details:

Call: 1800 22 32 22


100xGain Ratings:


Final Opinion:

If you are looking for a low-cost basic credit card, then this card can be a good option for you. This card is best suited for beginners, the interest rate is suitable for them, also it is hustle-free and easy to use a credit card. So if you are looking for a low-cost low-interest rate credit card, then you can go for this card. 

But if you want to earn benefits from your credit card, then I would not recommend you this card. Instead, you can go for IDFC First Bank First Millennia Credit Card, and if you want to spend some more then you can go for IDBI Bank Imperium Platinum Credit Card

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