The UBI Usecure credit card could be an excellent match for someone who is getting a credit card for the first time. Since it is a secured credit card, you don’t need to provide any credit score or income proof to get this card, which makes things a lot easier for beginners. It comes with a minimal interest rate against revolving credit, zero joining/annual fee, and a reward scheme that can make your transactions rewarding. More about the union bank credit card offers are discussed below.
How does the union bank of india credit card eligibility work?
- Resident Type: Indian.
- Union bank of india credit card eligibility criteria for salaried person:
- UBI credit card age limit: 21 to 60 yrs.
- Income: You can get this card against a term deposit account.
- Union bank credit card eligibility criteria for self-employed person:
- UBI credit card age limit: 21 to 65 yrs.
- Income: You can get this card against a term deposit account.
- Minimum term deposit amount: Rs.25,000.
What documents are required to apply for union bank credit cards?
- 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: (since it is a secured card, you don’t need to provide any)
What are the UBI usecure credit card fees?
- UBI credit card joining fee: None.
- UBI credit card annual fee: None.
What are the UBI usecure credit card benefits?
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Make your transactions more rewarding:
Depending on your credit card usage, you can earn attractive rewards from your card.
| Monthly credit card usage | Union bank rewards for every Rs.100 transaction |
| Rs.10,000 | 1 union bank reward point |
| Rs.10,001 to Rs.30,000 | 1.5 ubi rewards |
| Over Rs.30,000 | 2 ubi reward points |
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Complimentary insurance coverage:
Union bank offers an air accidental coverage of Rs.8 lakh and personal accidental coverage of Rs.5 lakh with this card.
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Enjoy attractive deals from Visa:
This union credit card also brings some attractive deals on travel and shopping from Visa. You can find the latest deals and offers here.
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Advanced security arrangements:
Your union bank credit card is armed with an advanced EMV chip, this chip with its cutting-edge encryption method makes your card nearly impossible to clone.
What are the union bank credit card charges?
|
Particulars |
Chargeable amount |
| UBI credit card atm withdrawal charge | 2.50% against the withdrawn amount (check your union bank credit card limit before making a withdrawal) |
| UBI credit card finance charge | The union bank credit card interest rate can go up to 1.30% monthly (applicable if your credit card bill is not paid in time) |
| UBI credit card international transaction charges | 3.50% against the transaction amount |
| UBI add-on credit card fee | None |
How to contact the ubi credit card customer care department?
- Call the union bank credit card customer care no: 1800-22-2244
- Write to the union bank of india customer care email id: customercare@unionbankofindia.com or cgo@unionbankofindia.com
100xGain Ratings:
6/10
Pros and cons of the union bank of india credit card:
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Pros |
Cons |
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Final Opinion:
As mentioned before, this card is beneficial for those who don’t have a good credit score or a regular source of Income. The best part of this union card is that it can be issued against a term deposit account which makes it an ideal option for beginners.
Also, if you are ready to spend a bit more for a better alternative, then head on to our best secured credit card page. You can also compare the alternative options given below.
Alternative Cards:
- HDFC Teachers Platinum Credit Card (Best for reward benefits)
- 6e Rewards XL- Indigo HDFC Credit Card (Best for travel benefits)
- Intermiles hdfc diners club credit card (Best for travel benefits)
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