None.
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Union Bank of India Visa Gold Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users can earn 2 reward point for every INR 100 spent.
General Cashback Rate: 0.5%
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Group personal accident insurance coverage of up to INR 5 Lakhs.
Lost card liability protection of up to INR 1.5 Lakhs.
Option to add up to 3 add-on cards for family members.
Exclusive offers on shopping, hotel, and car rentals, etc. from VISA
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users can earn 2 reward point for every INR 100 spent.
General Cashback Rate: 0.5%
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Group personal accident insurance coverage of up to INR 5 Lakhs.
Lost card liability protection of up to INR 1.5 Lakhs.
Option to add up to 3 add-on cards for family members.
Exclusive offers on shopping, hotel, and car rentals, etc. from VISA
Lounge Access
None.
Fees & Charges of
Union Bank of India Visa Gold Credit Card
Joining Fee
NIL ,
Annual Fee
299
Cash Advance Fee
Cash advance fee: 2.5% per month from date of withdrawal
Interest rate
Interest Rates: 16% p.a., on reducing balances
Late Payment Fee
Late Payment Charges: Up to Rs. 25,000/- = Rs. 200/- Above Rs.25,000/- = Rs. 500/- Statement for > 3 months = Rs. 50/- per statement
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3%.
Other Fees
Railway transactions fee 1.5% + IRCTC charges | Reward Redemption Fees: NIL
Joining Fee
NIL ,
Annual Fee
299
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 16% p.a., on reducing balances
Late Payment Fee
Late Payment Charges: Up to Rs. 25,000/- = Rs. 200/- Above Rs.25,000/- = Rs. 500/- Statement for > 3 months = Rs. 50/- per statement
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3%.
Other Fees
Railway transactions fee 1.5% + IRCTC charges | Reward Redemption Fees: NIL
Fee and Charges of
Union Bank of India Visa Gold Credit Card
Special Features
Eligibility Criteria
1-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.,
2-Add-on card holder should be 18 years and above,
3-Income Eligibility is 1.80 lakh per Annum.
Speical Feature, Eligibility and Benefits of
Union Bank of India Visa Gold Credit Card
How to apply for Credit Card?
Online Visit the Union Bank of India website and go to the Credit Card section.
Click on the "Apply Now" button for the VISA Gold Credit Card.
Fill in the application form with your personal and financial details.
Upload the required documents, such as your PAN card, ID proof, and address proof.
Submit the application form.
Required documents PAN card ID proof (Aadhaar card, driving license, passport, etc.) Address proof (Aadhaar card, bank statement, utility bill, etc.) Income proof (salary slip, ITR, etc.)
Processing time The processing time for Union Bank of India's VISA Gold Credit Card application is typically 7-10 business days.
Once your application is approved, you will receive your credit card within 7-10 business days.
Contact Details
Toll free numbers are : 1800 2222 44
1800 2222 43
1800 208 2244 1800
Account Opening and Procedure of
Union Bank of India Visa Gold Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The Union Bank of India VISA Gold Credit Card is a basic entry-level Gold card offering moderate benefits like cashback, fuel surcharge waiver, and travel privileges. It might be suitable for low to moderate spenders who value these core benefits and prefer the VISA network. However, the low cashback and reward rates, limited redemption options, and lack of additional perks might not appeal to high spenders or those seeking a more premium card experience.
The Union Bank of India VISA Gold Credit Card is a basic entry-level Gold card offering moderate benefits like cashback, fuel surcharge waiver, and travel privileges. It might be suitable for low to moderate spenders who value these core benefits and prefer the VISA network. However, the low cashback and reward rates, limited redemption options, and lack of additional perks might not appeal to high spenders or those seeking a more premium card experience.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai