VISA Signature Credit Card
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Cashback Rate
The value of 1 reward point = Rs. 0.25.
Users can earn 4 RP for every INR 100 spent. Effective cashback rate: 1%.
Movie Benefits
Dining Benefits
Other Benefits
Fuel surcharge waiver: You will get a 1% fuel surcharge waiver on all fuel transactions made with your card at any petrol pump in India. Accident insurance coverage of up to Rs Rs 30 Lakhs.; Fuel surcharge reimbursement of 1% of the amount spent on fuel purchase, subject to a maximum of Rs 100 per card per month.; Option to add up to 3 add-on cards for family members.
Lounge Access
Fees & Charges
Joining Fee
NIL,
Annual Fee
1999, waived if usage in the previous year is Rs. 2,70,000.
Cash Advance Fee
Cash advance fee: 2.5% per month from date of withdrawal
Interest rate
16% per annum 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
दोष
No welcome benefit is provided to the users.
High annual fees is levied upon the customers.
Reward System: The value of 1 reward point = Rs. 0.25. Users can earn 4 RP for every INR 100 spent. Effective cashback rate: 1%.
Users will get 4 complimentary access to a domestic airport lounge.
Accident insurance coverage of up to Rs. 30 lakh.
Fuel surcharge reimbursement of 1% of the amount spent on fuel purchase, subject to a maximum of Rs. 100 per card per month.
Option to add up to 3 add-on cards for family members.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Minimum income: Rs.10 lakh per year.
If you are a professional, you should be between 18 years and 70 years.
The age of the add-on credit cardholder has to be 18 years or more.
If you are a salaried person, your age should be between 18 years and 60 years.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Visit the Union Bank of India website and go to the Credit Card section.
Click on the "Apply Now" button for the VISA Signature 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.
To apply for Union Bank of India's VISA Signature Credit Card, you will need the following 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.)
The processing time for Union Bank of India's VISA Signature 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 4 RP for every INR 100 spent. Effective cashback rate: 1%.
Users will get 4 complimentary access to a domestic airport lounge.
Accident insurance coverage of up to Rs. 30 lakh.
Fuel surcharge reimbursement of 1% of the amount spent on fuel purchase, subject to a maximum of Rs. 100 per card per month.
Option to add up to 3 add-on cards for family members.
No welcome benefit is provided to the users.
High annual fees is levied upon the customers.
The Union Bank of India VISA Signature Credit Card is a top-tier option for high-net-worth individuals who travel frequently, spend heavily on premium categories, and appreciate luxury experiences. Its generous rewards, unparalleled travel privileges, and exclusive lifestyle benefits cater to a sophisticated lifestyle. However, the high annual fee and potential for limited value for non-frequent travelers necessitate careful consideration of your spending habits and priorities.
The Union Bank of India VISA Signature Credit Card is a top-tier option for high-net-worth individuals who travel frequently, spend heavily on premium categories, and appreciate luxury experiences. Its generous rewards, unparalleled travel privileges, and exclusive lifestyle benefits cater to a sophisticated lifestyle. However, the high annual fee and potential for limited value for non-frequent travelers necessitate careful consideration of your spending habits and priorities.
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
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ईंधन अधिशुक्ल
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Billing Cycle
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