UNI Carbon

About the Card

Uni Carbon Credit Card is designed for those who want better than the best services in every walk of life. This card brings you unparalleled privileges to suit your lifestyle and preferences both in India and abroad. This Credit Card is NCMC / EMV Chip and PIN enabled for Point of Sale transactions (POS) and equipped with highly secured integrated chip technology which was thoughtfully designed to provide enhanced security. This Chip Card processes data with unparalleled security in a highly secured environment to protect you against counterfeiting and skimming.

Based on the new CHIP+PIN security solution, this card offers transactional security in compliance with RBI guidelines W.E.F 30th November, 2013. There are no commercials and revenue sharing between the Bank and HPCL. The features, facilities and detailed card usage guidelines are explained in the welcome kit.

As a precautionary measure for securing Card Transactions, this Uni Carbon Credit Card will work in Domestic POS and ATM channels only. E-Commerce and International transactions can be enabled through Union Credit Card Mobile App / Union Credit Card Online Portal.

Features & Benefits

Earn More while you Spend

Welcome bonus up to 300, by way of credit to Bill. The customer has to purchase fuel worth of 300/- and above at HPCL Authorized Fuel outlet within a period of 60 days from the date of activation of the card.

16 rewards on fuel spends with a minimum transaction of 500 and above at authorized HPCL outlets which would be equivalent to 4.00 cashback on every 100.00 spend (4% Cashback) up to a maximum of 150 per billing cycle per card.

1.50% cash back in the form of 6 payback/Reward points (1 Payback = 0.25) on transactions made on HP Pay App through UBI HPCL Co-branded credit card.

The Union Bank of India Uni Carbon Card understands your lifestyle and rewards you for your needs. You will earn 2 reward points for every 100/- spent by you using your Union Bank of India Uni Carbon Credit Card for transactions done in POS, Internet, IVR and MOTO.

1 Reward point = 0.25

MileStone Rewards

On reaching spends of 1,25,000 in a year, Cardholder gets additional rewards in the form of milestones rewards.

Incremental Rewards

On reaching Annual spends(Rs.)	Additional Rewards points Earned	Cumulative Rewards points Earned
1,25,000	500	500
1,50,000	600	1,100
1,75,000	700	1,800
2,00,000	800	2,600

For every spend of 50,000 beyond 2.00 lakh, card holder will receive additional 1000 rewards.

Redemption of rewards can be made in the form of cash back or through Union Rewards or any other Loyalty program.

Redemption of rewards can also be made in the form of fuel at HPCL petrol pump / HP pay subject to technical feasibility. Each reward is equivalent to 0.25.

Interest Free Credit

Enjoy interest free credit period of 21 to 50 days on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.

Fuel Surcharge Reimbursement

1% Fuel surcharge waiver for transactions of

200 and above at HPCL authorized outlets with a cap of

100 per billing cycle.
The total fuel surcharge waiver will be exclusive of the overall cashback of

150 per month offered as cash back benefits.

Accidental Insurance Coverage

Free Personal Accidental Insurance Coverage of up to 10.00 lakh in case of loss of life or permanent disability due to accident. * T & C Apply.
Additional accidental Insurance Coverage of 10.00 lakh with premium of 53.10 including GST to be borne by the card holder. The insurance premium may vary from time to time.

Concierge Services

24*7 RuPay provided Domestic Concierge services would be extended through their toll free number 1800 26 78729 to help you to save valuable time and make and is subject to change as per RuPay's discretion from time to time without any prior notice.

Wider Acceptance

Wider acceptance over 39.3 million merchants and 1.88 million ATMs spread across India and abroad,.

Lost Card Liability

In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 1515 (Toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction up to 1.50 lacs after reporting the loss will be covered by the Bank.

Add on Cards

Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on Uni Carbon Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.

RuPay Offers

Exclusive merchant offers and cash back in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice. Please refer the below link below for more details.

Fees and Charges

Type of fee	Charges (Amount / %)
Joining Fee (one time)	499/-
Annual Subscription - Main card	499/-
Annual Subscription - Add on card	199/-
Annual Subscription waived in the first year and not levied if usage in the previous year	1,00,000/-
Roll Over Facility	5 %
Free Credit Period	21 to 50 days depending up on the date of purchase
Accidental Insurance Coverage	10,00,000/- for card. Premium 53.10/- (including GST) to be borne by the card holder.
Lost Card Insurance	1,50,000/-
Cash Advance Limit	40% of the sanctioned limit
Add on card charges	300/-
Lost Card Charges	Nil
Lost Card Replacement Charges	249/-
Charge Slip Request Charges	200/-
Transactions charges at Railways	1.5% + IRCTC Charges
Surcharge on fuel purchase	1% of fuel purchase transaction. Reimbursed to a maximum amount of 100/- per card per month.
Foreign Currency Mark up	3%
Temporary Enhancement charges per occasion	200/-
Hot Listing Charges	200/-
Cash withdrawal through Union Bank of India ATMs	3% on the amount withdrawn or 200/- whichever is higher
Cash Withdrawal charges Other Bank ATMs	50/- in addition to 3% on the amount withdrawn or 200/- whichever is higher
Balance Enquiry in Union Bank of India ATMs	Nil
Balance Enquiry in Other Bank ATMs	20/-
Interest on cash advance charges	2.5% per month
Service charge on revolving credit facility if MPD is paid within due date	2.5% p.m or 34.49% Annualized percentage rate
Service charge on revolving credit facility if MPD is not paid within due date	2.95% p.m or 41.75% Annualized percentage rate
Over limit charges	2.5% of the over limit amount, minimum 250/-
Duplicate statement for >3 months	50/- per statement
Duplicate physical PIN mailer	50/- per occasion
EMI facility
EMI	EMI facility can be availed for 3/6/9/12 months except for Gold purchase, Cash withdrawals and fuel transactions
Processing Fee	2%, minimum 200/- and maximum 1000/-
Rate of Interest	16% per annum on reducing balances
Pre-closure Fee	2% of the outstanding amount under EMI still not due
Late Payment Charges
Outstanding up to 25,000/-	200/-
Above 25,000/-	500/-

Eligibility

Eligibility :

• Cards are issued primarily to customers. To Non customers on selective basis.
• Primary card holder should be in the age bracket of 18 years to 60 years for salaried and 18 years to 70 years for professionals.
• Add-on card holder should be 18 years and above.
• Income Eligibility is 2.5 lakh per Annum.
• For Business class 2 years I.T.Returns with computation sheets
• For Salaried class Form 16 / ITRs with latest Salary slip.
• Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof & Scoring Model.

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

Documents to be submitted along with application:

• Application for credit card with complete information
• Two Passport size Color Photographs
• Latest Income Tax Returns for 2 years / Form 16 / Salary Slip
• Proof of address, ID Proof, Pan Copy as per KYC norms

RuPay Platinum Credit Card

About the Card

Union Bank of India RuPay Platinum Credit Card is designed for those who want better than the best services in every walk of life. Union Bank of India RuPay Platinum Credit Card brings to you unparalleled privileges to suit your lifestyle and preferences both in India and abroad. This Credit Card is EMV Chip and PIN enabled for Point of Sale transactions (POS) and equipped with highly secured integrated chip technology which was thoughtfully designed to provide enhanced security. This Chip Card processes data with unparalleled security in a highly secured environment to protect you against counterfeiting and skimming.

Based on the new CHIP+PIN security solution, this card offers transactional security in compliance with RBI guidelines W.E.F 30th November, 2013. The features, facilities and detailed card usage guidelines are explained in the welcome kit.

Features & Benefits

	Interest Free Credit Enjoy interest free credit period of 21 to 50 days on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.
	Fuel Surcharge Reimbursement Fuel surcharge will be Reimbursed @1% of the amount spent on fuel purchase subject to a maximum of 100/- per card per month.
	Accidental Insurance Coverage Personal Accidental Insurance Coverage of up to 2.00 lakh in case of loss of life or permanent disability due to accident. * T & C Apply.
	Concierge Services 24*7 RuPay provided Domestic Concierge services would be extended through their toll free number 1800 26 78729 to help you to save valuable time and make and is subject to change as per RuPay's discretion from time to time without any prior notice.
	Wider Acceptance Wider acceptance over 39.3 million merchants and 1.88 million ATMs spread across India and abroad,.
	Lost Card Liability In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 1515 (Toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction up to 1.50 lacs after reporting the loss will be covered by the Bank.
	Add on Cards Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on RuPay Platinum Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.
	RuPay Offers Exclusive merchant offers and cash back in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice. Please refer the below link below for more details.

Fees and Charges

Type of fee	Charges (Amount / %)
Admission Fee	Nil
Annual Subscription - Main card	299/-
Annual Subscription - Add on card	199/-
Annual Subscription waived in the first year and not levied if usage in the previous year	30,000/-
Roll Over Facility	5 %
Free Credit Period	21 to 50 days depending up on the date of purchase
Accidental Insurance Coverage	Personal Accidental Insurance Coverage of up to 2.00 lacs in case of loss of life or permanent disability due to accident only for the main card holder. Additional 10,00,000/- for main card, Premium 53.10/- (including GST) to be borne by the card holder. *T & C Apply.
Lost Card Insurance	1,50,000/-
Cash Advance Limit	30% of the sanctioned limit
Add on card charges	300/-
Lost Card Charges	Nil
Lost Card Replacement Charges	149/-
Charge Slip Request Charges	200/-
Transactions charges at Railways	1.5% + IRCTC Charges
Surcharge on fuel purchase	1% of fuel purchase transaction. Reimbursed to a maximum amount of 100/- per card per month.
Foreign Currency Mark up	3%
Temporary Enhancement charges per occasion	200/-
Hot Listing Charges	200/-
Cash withdrawal charges - Union Bank of India ATMs	3% on the amount withdrawn or 200/- whichever is higher
Cash Withdrawal charges - Other Bank ATMs	50/- in addition to 3% on the amount withdrawn or 200/- whichever is higher
Balance Enquiry in Union Bank of India ATMs	Nil
Balance Enquiry in Other Bank ATMs	20/-
Interest on cash advance charges	2.5% per month
Service charge on revolving credit facility if MPD is paid with due date	2.5% p.m or 34.49% Annualized percentage rate
Service charge on revolving credit facility if MPD is not paid within due date	2.95% p.m or 41.75% Annualized percentage rate
Over limit charges	2.5% of the over limit amount, minimum 250/-
Duplicate statement for >3 months	50/- per statement
Duplicate physical PIN mailer	50/- per occasion
EMI facility
EMI	EMI facility can be availed for 3/6/9/12 months except for Gold purchase, Cash withdrawals and fuel transactions
Processing Fee	2%, minimum 200/- and maximum 1000/-
Rate of Interest	16% per annum on reducing balances
Pre-closure Fee	2% of the outstanding amount under EMI still not due
Late Payment Charges
Outstanding up to 25,000/-	200/-
Above 25,000/-	500/-

Eligibility

Eligibility :

RuPay Select Credit Card

About the Card

Union Bank of India RuPay Select Credit Card is designed for those who want better than the best services in every walk of life. Union Bank of India RuPay Select Credit Card brings to you unparalleled privileges to suit your lifestyle and preferences both in India and abroad. This Credit Card is EMV Chip and PIN enabled for Point of Sale transactions (POS) and equipped with highly secured integrated chip technology which was thoughtfully designed to provide enhanced security. This Chip Card processes data with unparalleled security in a highly secured environment to protect you against counterfeiting and skimming.

Based on the new CHIP+PIN security solution, this card offers transactional security in compliance with RBI guidelines W.E.F 30th November, 2013. The features, facilities and detailed card usage guidelines are explained in the welcome kit.

Features & Benefits

	Interest Free Credit Enjoy interest free credit period of 21 to 50 days on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.
	Fuel Surcharge Reimbursement Fuel surcharge will be Reimbursed @1% of the amount spent on fuel purchase subject to a maximum of 100/- per card per month.
	Accidental Insurance Coverage Personal Accidental Insurance Coverage of up to 10 lakh in case of loss of life or permanent disability due to accident. * T & C Apply.
	Wider Acceptance Wider acceptance over 39.3 million merchants and 1.88 million ATMs spread across India and abroad,.
	Lost Card Liability In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 1515 (Toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction up to 1.50 lacs after reporting the loss will be covered by the Bank.
	Add on Cards Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on RuPay Select Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.
	RuPay Offers Exclusive merchant offers and cash back in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice. Please refer the below link below for more details.

Fees and Charges

Type of fee	Charges (Amount / %)
Admission Fee	Nil
Annual Subscription - Main card	499/-
Annual Subscription - Add on card	399/-
Annual Subscription waived in the first year and not levied if usage in the previous year	50,000/-
Roll Over Facility	5 %
Free Credit Period	21 to 50 days depending up on the date of purchase
Accidental Insurance Coverage	Personal Accidental Insurance Coverage of up to 10.00 lacs in case of loss of life or permanent disability due to accident only for the main card holder. Additional 30,00,000/- for card, Premium 159.30/- (including GST) to be borne by the card holder. *T & C Apply.
Lost Card Insurance	1,50,000/-
Cash Advance Limit	40% of the sanctioned limit
Add on card charges	300/-
Lost Card Charges	Nil
Lost Card Replacement Charges	249/-
Charge Slip Request Charges	200/-
Transactions charges at Railways	1.5% + IRCTC charges
Surcharge on fuel purchase	1% of fuel purchase transaction. Reimbursed to a maximum amount of 100/- per card per month.
Foreign Currency Mark up	3%
Temporary Enhancement charges per occasion	200/-
Hot Listing Charges	200/-
Cash withdrawal through Union Bank of India ATMs	3% on the amount withdrawn or 200/- whichever is higher
Cash Withdrawal charges Other Bank ATMs	50/- in addition to 3 % on the amount withdrawn or 200/- whichever is higher
Balance Enquiry in Union Bank of India ATMs	Nil
Balance Enquiry in Other Bank ATMs	20/-
Interest on cash advance charges	2.5% per month
Service charge on revolving credit facility if MPD is paid with due date	2.5% p.m or 34.49% Annualized percentage rate
Service charge on revolving credit facility if MPD is not paid within due date	2.95% p.m or 41.75 % Annualized percentage rate
Over limit charges	2.5% of the over limit amount, minimum 250/-
Duplicate statement for >3 months	50/- per statement
Duplicate physical PIN mailer	50/- per occasion
EMI facility
EMI	EMI facility can be availed for 3/6/9/12 months except for Gold purchase, Cash withdrawals and fuel transactions
Processing Fee	2%, minimum 200/- and maximum 1000/-
Rate of Interest	16% per annum on reducing balances
Pre-closure Fee	2% of the outstanding amount under EMI still not due
Late Payment Charges
Outstanding up to 25,000/-	200/-
Above 25,000/-	500/-

Eligibility

Eligibility :

• Cards are issued primarily to customers. To Non customers on selective basis.
• Primary card holder should be in the age bracket of 18 years to 60 years for salaried and 18 years to 65 years for professionals.
• Add-on card holder should be 18 years and above.
• Income Eligibility is 7.5 lakh per Annum.
• For Business class 2 years I.T.Returns with computation sheets
• For Salaried class Form 16 / ITRs with latest Salary slip.
• Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof & Scoring Model.

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

Documents to be submitted along with application :

• Application for credit card with complete information
• Two Passport size Color Photographs
• Latest Income Tax Returns for 2 years / Form 16 / Salary Slip
• Proof of address, ID Proof, Pan Copy as per KYC norms

VISA Gold Credit Card

About the Card

Union Bank of India VISA Gold Credit Card is designed for those who want better than the best services in every walk of life. Union Bank of India VISA Gold Credit Card offer benefits that match your preferences suit your lifestyle and accepted globally. This Credit Card is EMV Chip and PIN enabled for Point of Sale transactions (POS) and equipped with highly secured integrated chip technology which was thoughtfully designed to provide enhanced security. This Chip Card processes data with unparalleled security in a highly secured environment to protect you against counterfeiting and skimming.

Based on the new CHIP+PIN security solution, this card offers transactional security in compliance with RBI guidelines W.E.F 30th November, 2013. The features, facilities and detailed card usage guidelines are explained in the welcome kit.

Features & Benefits

	Interest Free Credit Enjoy interest free credit period of 21 to 50 days on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.
	Fuel Surcharge Reimbursement Fuel surcharge will be Reimbursed @1% of the amount spent on fuel purchase subject to a maximum of 100/- per card per month.
	Accidental Insurance Coverage Option of Group Personal Accident Insurance Coverage up to 5 lakh to the Main cardholder. The insurance premium may vary from time to time.
	Wider Acceptance Wider acceptance over 9 lakh merchants in India and over 29 million merchants abroad.
	Lost Card Liability In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 1515 (Toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction up to 1.50 lacs after reporting the loss will be covered by the Bank.
	Add on Cards Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on Gold Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.
	Visa Offers Customers will be eligible for exclusive offers on shopping, hotel, and car rentals etc. which are provided for VISA cardholders. These offers are provided by VISA and may change as per VISA discretion from time to time without any prior notice. Please refer the below link below for more details. Click Here for Visa Offers

Fees and Charges

Type of fee	Charges (Amount / %)
Admission Fee	Nil
Annual Subscription - Main card	299/-
Annual Subscription - Add on card	199/-
Annual Subscription waived in the first year and not levied if usage in the previous year	30,000/-
Free Credit Period	21 to 50 days depending upon the date of purchase
Roll Over Facility	5 %
Accidental Insurance Coverage	5,00,000/- for main card. Premium 26.55/- (including GST) to be borne by the card holder.
Lost Card Insurance	Less Than 1,50,000/-
Cash Advance Limit	20% of the sanctioned limit
Add on card charges	300
Lost Card Charges	Nil
Lost Card Replacement Charges	149/-
Charge Slip Request Charges	200/-
Transactions charges at Railways	1.5% + IRCTC Charges
Surcharge on fuel purchase	1% of fuel purchase transaction. Reimbursed to a maximum amount of 100/- per card per month.
Foreign Currency Mark up	3%
Temporary Enhancement charges per occasion	200/-
Hot Listing Charges	200/-
Cash withdrawal through Union Bank of India ATMs	3 % on the amount withdrawn or 200/- whichever is higher
Cash Withdrawal charges Other Bank ATMs	50/- in addition to 3 % on the amount withdrawn or 200/- whichever is higher
Balance Enquiry in Union Bank of India ATMs	Nil
Balance Enquiry in Other Bank ATMs	20/-
Interest on cash advance charges	2.5% per month
Service charge on revolving credit facility if MPD is paid within due date	2.5% p.m or 34.49 % Annualized percentage rate
Service charge on revolving credit facility if MPD is not paid within due date	2.95% p.m or 41.75 % Annualized percentage rate
Over limit charges	2.5% of the over limit amount, minimum 250/-
Duplicate statement for >3 months	50/- per statement
Duplicate physical PIN mailer	50/- per occasion
EMI facility
EMI	EMI facility can be availed for 3/6/9/12 months except for Gold purchase, Cash withdrawals and fuel transactions
Processing Fee	2%, minimum 200/- and maximum 1000/-
Rate of Interest	16% per annum on reducing balances
Pre-closure Fee	2% of the outstanding amount under EMI still not due
Late Payment Charges
Outstanding up to 25,000/-	200/-
Above 25,000/-	500/-

Eligibility

Eligibility :

• Cards are issued to customers and also to Non customers on selective basis.
• Primary card holder should be in the age bracket of 18 years to 60 years for salaried and 18 years to 65 years for professionals.
• Add-on card holder should be 18 years and above.
• Income Eligibility is 1.80 lakh per Annum.
• For Business class 2 years I.T.Returns with computation sheets.
• For Salaried class Form 16 / ITRs with latest Salary slip.
• Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof & Scoring Model.

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

Documents to be submitted along with application:

• Application for credit card with complete information
• Two Passport size Color Photographs
• Latest Income Tax Returns for 2 years / Form 16 / Salary Slip
• Proof of address, ID Proof, Pan Copy as per KYC norms

VISA Platinum Credit Card

About the Card

Union Bank of India VISA Platinum Credit Card is designed for those who want better than the best services in every walk of life. Union Bank of India VISA Platinum Credit Card brings to you unparalleled privileges to suit your lifestyle and preferences both in India and abroad This Credit Card is EMV Chip and PIN enabled for Point of Sale transactions (POS) and equipped with highly secured integrated chip technology which was thoughtfully designed to provide enhanced security. This Chip Card processes data with unparalleled security in a highly secured environment to protect you against counterfeiting and skimming.

Based on the new CHIP+PIN security solution, this card offers transactional security in compliance with RBI guidelines W.E.F 30th November, 2013. The features, facilities and detailed card usage guidelines are explained in the welcome kit.

Features & Benefits

	Interest Free Credit Enjoy interest free credit period of 21 to 50 days on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.
	Fuel Surcharge Reimbursement Fuel surcharge will be Reimbursed @1% of the amount spent on fuel purchase subject to a maximum of 100/- per card per month.
	Accidental Insurance Coverage Option of Group Personal Accident Insurance Coverage up to 30 lakh to the Main cardholder. The insurance premium may vary from time to time.
	Airport Lounge Access & Concierge Services Enjoy luxury at select airport lounges in India. No matter which airline or class you fly, your VISA Signature Credit Card offers you well deserved rest and use of facilities. You will surely find it useful to relieve travel fatigue and escape airport chaos. The airport lounge access is being provided by VISA and is subject to change as per VISA discretion from time to time without any prior notice. Concierge Services of VISA International, the worldwide 24*7 customer service would be extended through their Global Toll Free numbers to assist for Travel, Hospitality and on Emergency cash assistance etc. Please refer the link below for more details. https://www.visa.co.in/pay-with-visa/visa-offers-and-perks.html
	Wider Acceptance Wider acceptance over 9 lakh merchants in India and over 29 million merchants abroad.
	Lost Card Liability In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 1515 (Toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction up to 1.50 lacs after reporting the loss will be covered by the Bank.
	Add on Cards Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on Signature Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.
	Visa Offers Customers will be eligible for exclusive offers on shopping, hotel, and car rentals etc. which are provided for VISA cardholders. These offers are provided by VISA and may change as per VISA discretion from time to time without any prior notice. Please refer the below link below for more details. Click Here for Visa Offers

Fees and Charges

Type of fee	Charges (Amount / %)
Admission Fee	Nil
Annual Subscription - Main card	399/-
Annual Subscription - Add on card	299/-
Annual Subscription waived in the first year and not levied if usage in the previous year	50,000/-
Roll Over Facility	5 %
Free Credit Period	21 to 50 days depending up on the date of purchase
Accidental Insurance Coverage	10,00,000/- for card. Premium 53.10/- (including GST) to be borne by the card holder.
Lost Card Insurance	1,50,000/-
Cash Advance Limit	30% of the sanctioned limit
Add on card charges	300/-
Lost Card Charges	Nil
Lost Card Replacement Charges	249/-
Charge Slip Request Charges	200/-
Transactions charges at Railways	1.5% + IRCTC Charges
Surcharge on fuel purchase	1% of fuel purchase transaction. Reimbursed to a maximum amount of 100/- per card per month.
Foreign Currency Mark up	3%
Temporary Enhancement charges per occasion	200/-
Hot Listing Charges	200/-
Cash withdrawal through Union Bank of India ATMs	3% on the amount withdrawn or 200/- whichever is higher
Cash Withdrawal charges Other Bank ATMs	50/- in addition to 3% on the amount withdrawn or 200/- whichever is higher
Balance Enquiry in Union Bank of India ATMs	Nil
Balance Enquiry in Other Bank ATMs	20/-
Interest on cash advance charges	2.5% per month
Service charge on revolving credit facility if MPD is paid within due date	2.5% p.m or 34.49% Annualized percentage rate
Service charge on revolving credit facility if MPD is not paid within due date	2.95% p.m or 41.75% Annualized percentage rate
Over limit charges	2.5% of the over limit amount, minimum 250/-
Duplicate statement for >3 months	50/- per statement
Duplicate physical PIN mailer	50/- per occasion
EMI facility
EMI	EMI facility can be availed for 3/6/9/12 months except for Gold purchase, Cash withdrawals and fuel transactions
Processing Fee	2%, minimum 200/- and maximum 1000/-
Rate of Interest	16% per annum on reducing balances
Pre-closure Fee	2% of the outstanding amount under EMI still not due
Late Payment Charges
Outstanding up to 25,000/-	200/-
Above 25,000/-	500/-

Eligibility

Eligibility :

• Cards are issued to customers and also to Non customers on selective basis.
• Primary card holder should be in the age bracket of 18 years to 60 years for salaried and 18 years to 70 years for professionals.
• Add-on card holder should be 18 years and above.
• Income Eligibility is 2.5 lakh per Annum.
• For Business class 2 years I.T.Returns with computation sheets
• For Salaried class Form 16 / ITRs with latest Salary slip.
• Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof & Scoring Model.

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

Documents to be submitted along with application :

• Application for credit card with complete information
• Two Passport size Color Photographs
• Latest Income Tax Returns for 2 years / Form 16 / Salary Slip
• Proof of address, ID Proof, Pan Copy as per KYC norms

VISA Signature Credit Card

About the Card

Union Bank of India VISA Signature Credit Card is designed for those who want better than the best services in every walk of life. Union Bank of India VISA Signature Credit Card brings to you unparalleled privileges to suit your lifestyle and preferences both in India and abroad. This Credit Card is EMV Chip and PIN enabled for Point of Sale transactions (POS) and equipped with highly secured integrated chip technology which was thoughtfully designed to provide enhanced security. This Chip Card processes data with unparalleled security in a highly secured environment to protect you against counterfeiting and skimming.

Based on the new CHIP+PIN security solution, this card offers transactional security in compliance with RBI guidelines W.E.F 30th November, 2013. The features, facilities and detailed card usage guidelines are explained in the welcome kit.

Features & Benefits

	Interest Free Credit Enjoy interest free credit period of 21 to 50 days on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.
	Fuel Surcharge Reimbursement Fuel surcharge will be Reimbursed @1% of the amount spent on fuel purchase subject to a maximum of 100/- per card per month.
	Accidental Insurance Coverage Option of Group Personal Accident Insurance Coverage up to 30 lakh to the Main cardholder. The insurance premium may vary from time to time.
	Airport Lounge Access & Concierge Services Enjoy luxury at select airport lounges in India. No matter which airline or class you fly, your VISA Signature Credit Card offers you well deserved rest and use of facilities. You will surely find it useful to relieve travel fatigue and escape airport chaos. The airport lounge access is being provided by VISA and is subject to change as per VISA discretion from time to time without any prior notice. Concierge Services of VISA International, the worldwide 24*7 customer service would be extended through their Global Toll Free numbers to assist for Travel, Hospitality and on Emergency cash assistance etc. Please refer the link below for more details. https://www.visa.co.in/pay-with-visa/visa-offers-and-perks.html
	Wider Acceptance Wider acceptance over 9 lakh merchants in India and over 29 million merchants abroad.
	Lost Card Liability In case of loss of credit card, report it immediately at our 24-Hour Customer Care 1800 425 1515 (Toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction up to 1.50 lacs after reporting the loss will be covered by the Bank.
	Add on Cards Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on Signature Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.
	Visa Offers Customers will be eligible for exclusive offers on shopping, hotel, and car rentals etc. which are provided for VISA cardholders. These offers are provided by VISA and may change as per VISA discretion from time to time without any prior notice. Please refer the below link below for more details. Click Here for Visa Offers

Fees and Charges

Type of fee	Charges (Amount / %)
Admission Fee	Nil
Annual Subscription - Main card	1999/-
Annual Subscription - Add on card	999/-
Annual Subscription waived in the first year and not levied if usage in the previous year	2,70,000/-
Roll Over Facility	5 %
Free Credit Period	21 to 50 days depending up on the date of purchase
Accidental Insurance Coverage	30,00,000/- for card. Premium 159.30/- (including GST) to be borne by the card holder.
Lost Card Insurance	1,50,000/-
Cash Advance Limit	40% of the sanctioned limit
Add on card charges	300/-
Lost Card Charges	Nil
Lost Card Replacement Charges	299/-
Charge Slip Request Charges	200/-
Transactions charges at Railways	1.5% + IRCTC Charges
Surcharge on fuel purchase	1% of fuel purchase transaction. Reimbursed to a maximum amount of 100/- per card per month.
Foreign Currency Mark up	3%
Temporary Enhancement charges per occasion	200/-
Hot Listing Charges	200/-
Cash withdrawal through Union Bank of India ATMs	3% on the amount withdrawn or 200/- whichever is higher
Cash Withdrawal charges Other Bank ATMs	50/- in addition to 3 % on the amount withdrawn or 200/- whichever is higher
Balance Enquiry in Union Bank of India ATMs	Nil
Balance Enquiry in Other Bank ATMs	20/-
Interest on cash advance charges	2.5% per month
Service charge on revolving credit facility if MPD is paid within due date	2.5% p.m or 34.49% Annualized percentage rate wef November 2017
Service charge on revolving credit facility if MPD is not paid within due date	2.95% p.m or 41.75% Annualized percentage rate
Over limit charges	2.5% of the over limit amount, minimum 250/-
Duplicate statement for >3 months	50/- per statement
Duplicate physical PIN mailer	50/- per occasion
EMI facility
EMI	EMI facility can be availed for 3/6/9/12 months except for Gold purchase, Cash withdrawals and fuel transactions
Processing Fee	2%, minimum 200/- and maximum 1000/-
Rate of Interest	16% per annum on reducing balances
Pre-closure Fee	2% of the outstanding amount under EMI still not due
Late Payment Charges
Outstanding up to 25,000/-	200/-
Above 25,000/-	500/-

Eligibility

Eligibility :

• Cards are issued to customers and also to Non customers on selective basis.
• Primary card holder should be in the age bracket of 18 years to 60 years for salaried and 18 years to 65 years for professionals.
• Add-on card holder should be 18 years and above.
• Income Eligibility is 10.00 lakh per Annum.
• For Business class 2 years I.T.Returns with computation sheets
• For Salaried class Form 16 / ITRs with latest Salary slip.
• Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof & Scoring Model.

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

Documents to be submitted along with application:

• Application for credit card with complete information
• Two Passport size Color Photographs
• Latest Income Tax Returns for 2 years / Form 16 / Salary Slip
• Proof of address, ID Proof, Pan Copy as per KYC norms