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VISA Gold Credit Card

Product Details
Credit Card Name : 

VISA Gold Credit Card

Bank Name :

Union Bank of India

Type :

Lifestyle Credit Card

Interest Rate : 

16% per annum on reducing balances

Eligibility :

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.

VISA Gold Credit Card
Pros
  • Fuel surcharge reimbursement of 1% of the amount spent on fuel purchase, subject to a maximum of Rs. 100 per card per month 

  • Group personal accident insurance coverage of up to Rs. 5 lakh 

  • Wider acceptance of over 9 lakh merchants in India and over 29 million merchants abroad 

  • Lost card liability protection of up to Rs. 1.5 lakh 

  • Option to add up to 3 add-on cards for family members 

  • Exclusive offers on shopping, hotel, and car rentals, etc.

Cons
  • No welcome benefit is provided to the users. 

  • No domestic or international airport lounge access facility available.

Pros & Cons
Welcome Benefits
None
Rewards System
  • You can redeem your reward points for movies, bus & air tickets, gift vouchers, etc. 

  • A minimum of 100 reward points needs to be accumulated for redemption. 

  • 1 reward point = Rs. 0.25.

  • You can earn 2 RP for every INR 100 spent.

  • Effective cashback rate: 0.5%

International Forex Markup
International Forex Markup: Upto 3%
Welcome Benefits and Reward System
Special Features
None
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.

Benefits

The Union Bank of India VISA Gold Credit Card offers a variety of benefits, including: 

  • 2 reward points for every Rs. 100 spent on all transactions 

  • 1% fuel surcharge waiver at all fuel pumps in India 

  • Welcome bonus of 250 reward points Milestone bonus rewards based on annual spending 

  • Rewards redemption for cash back, vouchers, or merchandise Accidental death insurance coverage of up to Rs. 10 lakh 

  • Purchase protection insurance coverage of up to Rs. 2 lakh 

  • Extended warranty protection on all purchases made with the card 

  • Contactless payment facility 

  • Free add-on cards for family members

Speical Feature, Eligibility and Benefits
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
VISA Gold 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.

Abhijeet Saxena

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

Product Review
Fees & Charges
  • Joining fee- NIL , 

  • Annual Fee- 299 

  • Cash advance fee: 2.5% per month from date of withdrawal 

  • Interest Rates: 16% p.a., on reducing balances 

  • 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 Fees: 3%. 

  • Railway transactions fee 1.5% + IRCTC charges 

  • Reward Redemption Fees: NIL

Fuel Surcharge
Fuel surcharge will be Reimbursed @1% of the amount spent on fuel purchase subject to a maximum of 100/- per card per month.
Billing Cycle

30 Days

Fees & Charges
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