UBI Silver Credit Card

‘UBI Silver Credit card’ is a credit card from United Bank of India. It comes with zero annual and renewal fees and a number of reward point option and offers like – Privileges on lifestyle, Add on card, Fuel Surcharge, Emi Plans, and lots more. Also it covers you against air accidental deaths. In fact this is on one of the cheap credit card available in India, as it gives you the best possible offers and privileges almost for free. 

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – 21 – 65.
  • Occupation – Both salaried and self-employed people can apply for this card.
  • Income – Min – 5 lakh (annually),this card is also  offered against your term deposits amount.
  • Term deposit – between 25,000 – 5 lakh.
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • Driving License
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Passport.
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Document of property registration.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months) (for salaried people)
  • KYC-PAN.
  • Fees –  
  • Joining fee – None.
  • Annual fee – None.
  • Finance charge – 1.90%
  • Benefits – The benefits of the card is stated below –
  • Zero joining fee – You can enjoy the benefits of the card for almost free as it comes with almost free of cost. With this card you don’t need to worry about any joining and annual fee.
  • Reward facility – With this card you can earn easy reward points with all transactions. You can get 1 reward point for each ₹ 100 transaction. (applicable if monthly spent is ₹ 10,000). If you can spent ₹ 10,000 to 30,000 monthly, then you can get 1.5 reward points for each ₹ 100 transaction. If your monthly spend is more than ₹ 30,000 then you can also get 2 reward points for each ₹ 100 transactions. 
  • Lifestyle offer – With this card you can easily upgrade your lifestyle more easily. With your ‘UBI Silver Credit card’ you can enjoy impressive offers and discount on dining, travel, entertainment, car rental and lots more.
  • Insurance coverage – Now you are covered against any accidental and air accidental situations. With this card you can get up to ₹ 2 lakh coverage against any accidental cases and up to ₹ 4 lakh for air accidental deaths.
  • Fuel surcharge  waiver – With this card you can enjoy discount on fuel surcharges at most of the fuel stations in India. Transaction amount – ₹ 400 to ₹ 4000.
  • Emi facility – Now you don’t need to worry about your big shopping bills. And you can also extend your shopping budget. As with ‘UBI Silver Credit card’ you can transform your big shopping bills into easy monthly EMIs.
  • Interest Free period – With this card you can enjoy up to 50 days of interest free period.
  • Add on Card – You can now share the awesome benefits of your card with your family members and loved ones. You can just add your children, Siblings, parents, family members (age – 18+) with your card and they can also enjoy the benefits of a credit card too.
  • Lost or stolen card  – in case if your card is lost or stolen you can block your card with just a call from any corner of the world. Just call 1800-223-222 to block your card.
  • Online Control – you can supervise your account online through net banking. You can also make payments and money transactions online.
  • Alert facility – With United Bank of India you can feel more safe and secure. UBI sends you notification for each transactions.
  • Worldwide Acceptance – This card is accepted worldwide with this card you can transact from anywhere.
  • 24X7 customer service – You can enjoy Premium customer service experience with ‘United Bank of India’. Their customer service is 24X7 active. You can call them for any help anytime.
  • Charges –
  • Cash Advance – ₹ 100 (ATM)
  • Late payment Fee – ₹ 200.
  • Foreign currency transaction – 3.5% against the transacted amount.
  • Customer care number –
  • 1800-223-222
  • 1800-222-244
  • 022-40426008
  • Final verdict –

If you are looking for a credit card that can fit your budget then this is the card you need. Although it comes with zero joining and annual fee, it has a number of features and benefits. With the reward option, Emi facility, fuel surcharge, Add on the card, and with the insurance coverage, it can truly become your first choice.

Categories UBI

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