Union Bank of India Credit Card Apply Online 2023

Nowadays, almost everyone needs a credit card, whether they are working or just a student. If you want to apply for a Union Bank of India credit card, or even apply for it online from the comfort of your own home, we have outlined the process below in this article.

Applying for a credit card from Union Bank of India is quite easy, and the process is explained in detail below. However, please note that your credit score will be a factor in whether or not you are approved for the credit card. If your credit score is high, it will be more likely that you will be approved, but if your credit score is low, it may be more difficult to be approved.

Highlights of Union Bank of India Credit Card Online Apply

Article Name	Union Bank of India Credit Card Online Apply
Occupation	Salaried or Self-Employed
Beneficiary	Whose Credit Scores Are Good
Apply Through	Online
Online Website	Click Here

It is true that today, almost all banking transactions are done online. You can perform most banking tasks from the comfort of your own home through Internet banking. This includes applying for a credit card. This process is quite easy, and you can do it all online.

You will be provided with various options such as, if you are using net banking, you can easily check your credit card debit card passbook and apply for the credit card online. If you need more information about this, we have provided all the related information below in this article. You can read it and easily apply for a State Bank of India credit card online by following a few simple steps.

The application process involves filling out an online application form and providing the necessary documents. Once your application is processed and approved, you will receive your credit card in the mail.

Best Union Bank of India Credit Cards 2023

Union Bank Credit Card	Annual fee	Joining fee
Union Bank RuPay Platinum Credit Card	Rs. 299	Nil
Union Bank VISA Golf Credit Card	Rs. 299	Nil
Union Bank VISA Signature Credit Card	Rs. 1,999	Nil
Union Bank VISA Platinum Credit Card	Rs. 399	Nil
Union Bank RuPay Select Credit Card	Rs. 499	Nil
UNI Carbon Credit Card	Rs. 499	Rs. 499

Who is eligible to apply for a Union Bank of India credit card?

If you want to apply for a Union Bank of India credit card, you need to meet certain eligibility criteria. Below are some of the requirements for a Union Bank of India credit card:

Individuals who are salary earners and are above the age of 21.
Individuals who are either salary earners or self-employed.
Good source of income with good credit score, etc
People above 25 years of age fall into the self-employed category.

Benefits of Union Bank RuPay Combo Debit Cum Credit Card

S. No.	Parameter	Debit Card	Credit Card
1.	Card Category	Platinum	Select
2.	Daily Cash Withdrawal Limit	40,000	20% of the card limit
3.	Daily Purchase Limit-POS & Internet	60,000	Up to card limit
4.	Total Daily Limit	1,00,000	Up to card limit
5.	Validity	5 years	5 years
6.	Personal Accident Insurance	4 Lakh	20 Lakh
7.	Fee for Card Issuance	Rs. 200/- + tax per card	Rs. 200/- + tax per card

Types of Union Bank Credit Cards

S. No.	Union Bank of India Credit Card
1.	Uni Carbon
2.	RuPay Platinum
3.	RuPay Select
4.	Visa Gold
5.	Visa Platinum
6.	Visa Signature

Union Bank Carbon Credit Card Apply Online

Union Carbon Credit Card is designed for those who desire the best services in every aspect of life. This card provides unique privileges that are tailored to your lifestyle and preferences, both in India and abroad.

The card is enabled with NCMC/EMV chip and pin-enabled Point of Sale (POS) transactions and is equipped with advanced secure chip technology for better security that was designed keeping in mind the safety aspect. The chip card ensures secure data processing with extra security from hacking and skimming in an environment that is highly secure.

Features of Union Bank Carbon Credit Card

The Union Bank of India Carbon Credit Card is designed for individuals who want the best services in every aspect of their lives. This card provides unique privileges that align with your lifestyle and preferences, both in India and abroad. It comes with a welcome bonus of up to 300, and customers will get 300 as a welcome bonus if the card is activated within 60 days from the date of card issuance.

The card also offers cashback on minimum transactions at HPCL Authorised Fuel Outlets, up to a maximum of 150 bill cycles per card. The cardholders will get 6 reward points (1 reward point = 0.25) as cashback on transactions made via HP App, which is 1.50% cashback on fuel spends.

Milestone Rewards: Cardholders will receive additional rewards in the form of milestone rewards if they spend 1,25,000 within a year.

Incremental Rewards

On reaching Annual spends(Rs.)	Additional Rewards points Earned	Cumulative Rewards points Earned
1,25,000	500	500
1,50,000	600	1100
1,75,000	700	1800
2,00,000	800	2600

Interest-Free Credit:- Enjoy interest-free credit for a period of 21 to 50 days on your purchases, and manage your payments according to your convenience. You can choose to pay off the entire outstanding balance, the minimum due amount, or any other amount greater than the minimum due amount.

Fuel Surcharge Reimbursement:- Get a 1% fuel surcharge waiver on transactions made at HPCL-authorised outlets, with a maximum waiver of Rs. 200 for transactions up to the billing cycle limit of Rs. 100.

**Union Bank of India Credit Card Apply Online**

Accidental Insurance Coverage:- Enjoy free personal accident insurance coverage of up to INR 10 Lakhs in case of loss of life or permanent disability caused by an accident. Subject to terms and conditions.

Concierge Services:- 24*7 concierge services provided by RuPay can be availed via their toll-free number 1800 26 78729. These services will be expanded to save you valuable time, and changes can be made at your discretion without any prior notice.

Wider Acceptance:- With more than 39.3 million merchants and over 1.88 million ATMs in India and abroad, enjoy wider acceptance.

Lost Card Liability: In case of credit card loss, immediately report to our 24-hour customer care at 1800 425 1515 (toll-free). To prevent misuse of the card, all transactions will be immediately blocked. The bank will cover any fraudulent transactions up to 1.50 lakhs after informing the damage.

Add-on Cards:– Give your family members (over 18 years only) the advantage of a Union Bank of India credit card as an add-on card, making it your family bank. The add-on card allows your family members to benefit from all the privileges and services applied to the primary card. Points earned on the add-on card will be added to the primary card and can be redeemed as per the bank’s policy.

RuPay offers– special discounts and cashback at restaurants, cafes, and utility payments through its network. These offers may be subject to change at any time without notice and can vary based on RuPay’s discretion.

What is the Eligibility for Union Bank Uni Carbon Credit Card

The card is primarily issued to customers, on a selective basis for non-customers.
The primary cardholder should have an age between 18 to 60 years for salaried and 18 to 70 years for professionals.
Add-on card holders’ age should be 18 years and above.
The income eligibility is 2.5 Lakhs per annum.
For Business Class 2 Years, IT returns with Assessment order.
For salaried classes, form 16/latest salary slips with IT returns.
Weightage is given to the income proof and scoring model, without a 25% margin of error, and sufficient funds deposit is also taken into consideration for card issuance.

How to apply for a Union Bank RuPay Platinum Credit Card?

The Union Bank of India RuPay Platinum Credit Card is designed for those who want the best services in all aspects of their lives. The Union Bank of India RuPay Platinum Credit Card provides unique benefits tailored to your lifestyle and priorities both in India and abroad.

This credit card is EMV chip and pin enabled, which is compatible with Point of Sale (POS) transactions, and comes with advanced secure integrated chip technology for better security. The chip card is designed with a lot of consideration for security and to provide you with the best security environment and data processing with added protection against skimming and scanning.

Features of Union Bank RuPay Platinum Credit Card

Enjoy interest:- free credit for a period of 21 to 50 days on your purchases, and manage your payments according to your convenience. You can choose to make payments for the total outstanding amount, the minimum due amount, or any other amount higher than the minimum due. This means you can opt to pay the full amount, the minimum amount, or something in between as per your preference during the grace period of 21 to 50 days.

Fuel Surcharge Reimbursement:- if the surcharge is 1%, the surcharge is refunded. If the surcharge is less than 1%, the surcharge is reimbursed at 100/-.

Accidental Insurance Coverage:- In cases of accidents resulting in death or permanent disability, personal accident insurance of up to 10 lakhs can be taken out. *T&C applies.

Wider Acceptance:- In India and abroad, there are more than 39.3 million merchants and 1.88 million ATMs widely accepted.

Lost Card Liability:-In the event that your credit card is lost, please immediately report it to our 24-hour customer care at 1800 425 1515 (toll-free). To prevent any unauthorized usage of your card, all transactions will be immediately blocked. After providing information about any loss, the bank will cover any fraudulent transactions up to INR 1.50 lakhs.

Add-on Cards:- You can make Union Bank of India your family bank by gifting an add-on RuPay Select credit card to members of your family (members who are 18 years or older only). The add-on card enables your family members to avail of all benefits and facilities applicable to the primary card. Points accumulated on the add-on card will be added to the primary card and can be redeemed as per the bank’s policy.

Rupay Offers:- Rupay provides special merchant offers and cashback at restaurants, cafes, and utility payments. These offers provided by Rupay are subject to change at any time without prior notice at their discretion.

What are the Eligibility Criteria for Union Bank RuPay Select Credit Card

Cards are primarily issued to customers on a selective basis.
The primary cardholder’s age should be between 18 and 60 years for salaried individuals, and between 18 and 70 years for professionals.
The age of an add-on cardholder should be 18 years or above.
The annual income requirement is 2.5 lakhs. For business class, 2 years of IT returns are required along with the computation of income.
For the salaried category, IT returns and Form 16 or the latest salary slip are required.
Income proof and scoring models are given significant weight without a 25% margin for discretion and cards may also be issued against the security deposit.

Union Bank Visa Gold Credit Card Online Apply

The Union Bank of India Visa Gold Credit Card is designed for those who desire superior service in every aspect of life. The Union Bank of India Visa Gold Credit Card offers benefits that align with your priorities and reflect your lifestyle, and are accepted on a global level.

The credit card has an EMV chip and a pin, which enables point-of-sale transactions (POS) and is equipped with highly secure and integrated chip technology, which was thoughtfully designed for better security. This chip card provides you with an unparalleled secure environment to process your data, with protection against fraud and skimming.

Eligibility criteria for Union Bank Visa Gold Credit Card

Cards are primarily issued to customers on a selective basis, not to non-customers.
The primary cardholder’s age should be between 18 and 60 years for salaried individuals, and between 18 and 70 years for professionals.
The age of an add-on cardholder should be 18 years or above.
The annual income requirement is 2.5 lakhs.
For business class, 2 years of IT returns are required along with the computation of income.
For the salaried category, IT returns and Form 16 or the latest salary slip are required.
Income proof and scoring models are given significant weight, without a 25% margin for discretion
Cards may also be issued against the security deposit, even if the cardholder doesn’t meet all the criteria.

Union Bank Visa Platinum Credit Card Online Apply

The Union Bank of India Visa Platinum Credit Card is designed for those who desire the best services in all areas of life. The Union Bank of India Visa Platinum Credit Card provides unique privileges that are in line with your preferences and lifestyle, both in India and abroad.

This credit card is equipped with an EMV chip and pin, which is enabled for Point of Sale transactions (POS) and has advanced secure integrated chip technology. It has been designed with the thought to provide better security. The chip card also provides you with unique security features to protect you from fraud and skimming. This chip card processes data in an extremely secure environment that provides additional security.

Eligibility Criteria for Union Bank Visa Platinum Credit Card

Cards are mainly issued to customers, with a selective basis for non-customers.
The primary cardholder should have an age between 18 and 60 years for salaried individuals and 18 and 70 years for professionals.
The add-on cardholder should be 18 years old or older.
Income eligibility is 2.5 lakhs per year.
Business class requires 2 years of IT returns with a return form.
Form 16/latest salary statement is required for salaried classes.
Emphasis on income and scoring models, without a 25% margin on timely deposit against card issuance.
Cards are also issued against deposit on a cautious deposit against card acquisition.

Union Bank Visa Signature Credit Card Online Apply

Union Bank of India Visa Signature Credit Card is designed for those who want better services in every field of life. Union Bank of India Visa Signature Credit Card offers unique privileges to suit your lifestyle and preferences in both India and abroad.

The credit card is equipped with an EMV chip and pin, which is compatible with point of sale (POS) transactions and comes with highly secure integrated chip technology. The card has been designed with thoughtful consideration to provide better security. This chip card processes data in a highly secure environment to protect you from fraud and skimming.

Eligibility criteria for Union Bank Visa Signature Credit Card

Credit cards are primarily issued to customers, based on selective criteria.
The age of primary cardholders should be between 18-60 years for salaried individuals and 18-70 years for professionals.
Add-on cardholders should be at least 18 years of age.
Income eligibility is 2.5 Lakhs per annum.
Business class cards are issued for 2 years with IT statements.
Form 16/latest salary statement is required for the salaried category.
Weightage is given on the Income proof and scoring model without a 25% margin on sufficient deposit against card issuance.

How to apply for a Union Bank of India Credit Card online?

If you want to apply for a Union Bank of India credit card from home, then we have provided all the information below, so you can easily order a Union Bank of India credit card.

The first step in applying for a Union Bank of India credit card is to visit their official website.
Once on the website, navigate to the page for credit cards and select the card that best fits your needs.
You can choose from multiple options.
Once you have selected your desired card, click on the “Apply Now” button on the card’s detail page.
After that, you will be prompted to fill out an application form with the required information.
After entering all details in the form, Click on the “Submit” button.
You will receive a quick decision on the application.
If your application is approved, you will receive a call from Union Bank of India’s card team for the verification process.

After the necessary verification, your card will be issued.

Note:- If you want to avoid all these steps, you can also apply for a Union Bank of India card directly on the website’s e-apply page (Online Credit Card Application page).

How to check my credit card eligibility?

If you want to order a Union Bank of India credit card online, you should know that the eligibility for the credit card is based on various criteria, which will be assessed by Union Bank of India after you apply for the credit card.

There are some basic requirements that all applicants must meet. Below we have provided information about the criteria for a Union Bank of India credit card. You can check it to know what are the criteria for a Union Bank of India credit card.

The minimum age requirement for applying for Union Bank of India’s credit card is 21 years old and the maximum age is 70 years old. The applicant should be a salaried or a self-employed person. Other requirements include a regular income source, a good credit score, etc.

Which Documents are required to apply for a Union Bank of India Credit Card

If you wish to apply for a Union Bank of India credit card online, you must first have some required documents ready. The documents specified below, are needed to order a Union Bank of India Credit Card.

To apply for a Union Bank of India credit card, you will need the following documents:

PAN Card
Copy of Aadhaar Card (with first 8 digits masked) or any other valid government address proof
Other documents such as your income documents (Salary Slip, Income Tax Return, etc.) may be required depending on your credit card eligibility and the bank’s policy.

How to track the Union Bank of India Credit Card Application Status?

If you have already placed an order for a Union Bank of India Credit Card and you want to know its status, below is the information regarding how you can track your credit card status. You can check it to track the status of your credit card. Union Bank of India Credit Card application and tracking process.

If you want to track the status of your Union Bank of India Credit Card application, you can do so by using the application tracking widget on the homepage or by accessing the online application page via the bank’s website or mobile app.

First, you will have to go to the official website of the Union Bank of India.
Then, navigate to the “Credit Card” page on the website, and select the card that is most suitable for your needs.
On the credit card page, you will find the option to “Track Application” at the bottom.
Now, enter the application number/reference number you received when you applied for the card.
Click on the “Track” button to check the status of your Union Bank of India credit card application.
The application status of Union Bank of India credit card will be displayed on the screen.

What is the minimum age limit to apply for a Union Bank of India Credit Card?

The minimum age requirement for applying for a credit card online is:

21 years or above for salaried individuals
40-70 years of age for retired pensioners
25 years or above for self-employed individuals.

What are the Reasons for your Union Bank Credit Card Application may get rejected?

It often happens that an applicant’s application is rejected and they want to know the reason for it. Below we have listed some reasons why an applicant’s application may be rejected.

Union Bank Credit Card Application can be rejected due to these reasons:

Non-availability of required information/documents|
Low Credit Score| Union Bank of India bank credit card apply online
Low Income
Age Eligibility, etc. how to apply credit card in Union Bank of India online banking.

Union Bank Credit Card Login

After successfully applying and receiving the Union Bank credit card, you need to log in to a net banking account to manage credit cards online.

These are the steps for Union Bank Credit Card login.

Go to the official website of Union Bank.
Navigate to the ‘net banking’ page and click on the ‘login’ option.
Next, click on Register credit card.
Enter all necessary details.
Accept all terms and conditions and move to the next step.
Next, click on the register option.
After that, you will successfully login to your credit card account.

Union Bank of India Credit Card Bill Payment

There are three methods to pay the credit card bill of the Union Bank Credit Card.

Online payment: through net banking or mobile banking.
Offline payment: by visiting the nearest bank branch and depositing through cash or cheque.
Through debt facility.

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Conclusion

In conclusion, the process of applying for a Union Bank of India credit card online involves fulfilling certain eligibility criteria and providing necessary documents. The bank may check for factors such as age, income, credit score and regular income source before approving the application. Additionally, it’s important to ensure that the documents submitted are accurate and valid.

Keep in mind a rejected application may be due to various reasons such as Incomplete documents, Invalid or inaccurate details, Unsatisfactory credit score, etc. It is always a good idea to check the status of your application and understand the reason for rejection if applicable.