VISA Gold Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
VISA Gold Credit Card
Bank Name :
Union Bank of India
प्रकार
Lifestyle Credit Card
ब्याज दर
16% per annum on reducing balances
पात्रता
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.
पेशेवरों
Reward System: The value of 1 reward point = Rs. 0.25. Users can earn 2 RP for every INR 100 spent. Effective cashback rate: 0.5%. A minimum of 100 reward points needs to be accumulated for redemption.
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.
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. from VISA
दोष
No welcome benefit is provided to the users.
No domestic or international airport lounge access facility is available.
पक्ष विपक्ष
Welcome Benefits
पुरस्कार प्रणाली
The value of 1 reward point = Rs. 0.25. Users can earn 2 RP for every INR 100 spent. Effective cashback rate: 0.5%. A minimum of 100 reward points needs to be accumulated for redemption.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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.
फ़ायदे
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.
Rewards redemption for cash back, vouchers, or merchandise Accidental death insurance coverage of up to Rs. 10 lakh.
Free add-on cards for family members.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Toll free numbers are : 1800 2222 44
1800 2222 43
1800 208 2244 1800
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: The value of 1 reward point = Rs. 0.25. Users can earn 2 RP for every INR 100 spent. Effective cashback rate: 0.5%. A minimum of 100 reward points needs to be accumulated for redemption.
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.
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. from VISA
No welcome benefit is provided to the users.
No domestic or international airport lounge access facility is available.
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.
VISA Gold Credit Card
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
उत्पाद समीक्षा
फीस एवं प्रभार
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
ईंधन अधिशुक्ल
Fuel surcharge will be reimbursed @ 1% of the amount spent on fuel purchases subject to a maximum of 100/- per card per month.
Billing Cycle
30 Days