UBI Usecure Credit Card

‘UBI Usecure Credit Card’ is a budget credit card from United Bank of India. It is specially designed for those people who don’t have any income proof. This card comes with Zero joining and Annual fee and a lots of reward and offers like – zero joining and annual fee, privileges on lifestyle, add on cards, EMI facility, and a coverage against accidental and air accidental deaths in fact this card has all the features that makes it one of the best budget card from United Bank of India.

  • Eligibility criteria –

  • Nationality – Indian.
  • Age – 21 – 65.
  • Occupation – Both salaried and self-employed people can apply for this card.
  • Income – 5 lakh annually. You can also get this card against your term deposit.
  • Term deposit amount should be ₹ 25,000 – ₹ 5 lakh.
  • A good relationship 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 –
  • 3 month’s bank statement. (latest)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months) (only for salaried people)
  • KYC-PAN.
  • Fees – 

  • Joining fee – None.
  • Annual fee – None.
  • Add on fee – None.
  • Finance Charge – 1.30%
  • Benefits –

    The benefits of this credit card is described below –
  • Zero joining and annual fees – You can enjoy the benefits of this card almost for free as this car comes with almost free of cost. You don’t need to pay any annual or renewal fee for this card.
  • Reward point option – With this card you can earn easy reward point with your every transaction. If your monthly spend is ₹ 10,000 then you can get 1 reward for every ₹ 100 transaction. You can  get 1.5 reward point for each ₹ 100 transaction if your monthly spend is ₹ 30,000. Also you can get 2 reward point on every ₹ 100 transaction if your monthly spend is more than ₹ 30,000.
  • Reward redemption – Redeeming Reward points is now very easy you can redeem your reward points on mobile recharge, bill payment, ticket booking, without any extra charge,
  • Travel – From time to time UBI brings to you Impressive deals and offers on travel and hotel bookings.
  • Dining – With your ‘UBI Usecure Credit Card’ you can enjoy dining with exclusive offers at most of the frontline restaurants.
  • Spend limit – With this card you will get a big spending limit. You will get a spending limit of up to 80% of your term deposit amount.
  • Insurance Coverage – With this card you will get an Insurance coverage of ₹ 5 lakhs for any accidental deaths and up to ₹ 8 lakhs only for air accidental deaths.
  • Fuel surcharge Waiver – with this card you can enjoy a big discount on fuel surcharges at all fuel stations in India. Transaction amount must be ₹ 400 – ₹ 4000.
  • EMI facility – Now you can extend your shopping budget without any worries. As with your ‘UBI Usecure Credit Card’ you can always transform your big shopping bills into easy monthly EMIs.
  • Add on facility – Now you can share the facilities of your credit card with your love ones just add your family members(children, parents, or anyone of 18+ ) with your card and he/she can enjoy the awesome benefits of having a credit card.
  • Lost card – If your card is lost you can call the customer service to block your card in no time. If you report within 3 days your liability will be limited to a certain amount.
  • Interest free period – With this card you can enjoy almost 50 days of interest free period.
  • Charges –

  • Cash Advance – ₹ 100.
  • Late payment Fee – ₹ 200.
  • Foreign currency transaction – 3.5% against the transaction amount.
  • Other benefits –
  • Worldwide acceptance – It is accepted worldwide. You can pay or make any transaction with this card almost from any corner of the world.
  • Online facility – You can now control your account online. You can transfer balance, make payments through net banking.
  • EMV facility – This cad comes with a built in EMV Chip. This chip makes transaction easy and more secure. You can also use it for NFC payment options.
  • Contact Details –

  • 1800 223 222
  • 40426008
  • 022 4042608
  • Final Opinion –

If you are looking for a budget card that can give you a number of benefits and features, then this is the card you need. with all its features like insurance coverage, EMI option, Fuel surcharge Waiver, interest-free period, and zero joining and annual fees, it can be your first choice. So if you are eligible then hurry and grab the benefits of the card, as it gives you the best possible offers at a very low cost. 

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