Union Bank of India VISA International Signature Credit Card
Shop at outlets across the globe without any hassles with a Union Bank of India Visa credit card, which comes along with exceptional privileges and features. The international credit card is offered as a Signature Visa Card, which is a higher variant and also as a Non-photo Visa Card, which is the EMV Platinum International card.
The Signature credit card comes with excellent features, EMV chip protection, annual fee waivers, insurance cover, lounge access, rewards program and other dining discounts. The domestic versions of the photo Signature VISA Card come in three variants namely - Classic, Silver and Gold. The higher variant of the Signature card can used globally. Most Union Bank of India credit cards do not carry any annual fees or renewal fees and offer the lowest interest rates.
Features and Benefits of a Visa International Signature Credit Card
Union Bank of India Credit Cards are available in different variants - a) Photo Signature Visa Card (Domestic), b) EMV Platinum for International and c) Signature Credit Card.
Union Bank of India Visa International Credit Card:
- Annual Fees: Union Bank of India does not charge any annual fees or renewal fees for this Visa card.
- Spending Limit: The spending limit assigned to a Visa International Credit Card is 20% of the annual gross salary as shown in the latest pay slip.
- Interest Free Period: The free credit period given by Union Bank of India is generally up to 50 days for a card holder.
- Payment Options: Union Bank offers flexible payments option to credit card holders inclusive of online bill payments through internet banking accounts.
- Fuel Surcharge Refund: The surcharge is waived off completely when fuel transactions are done by card holders for an amount between Rs. 400 and Rs. 4000.
- Online transactions: Union Bank of India Visa International Credit Card holders can make secure online transactions via the Verified by Visa (VbV) platform and also get SMS alerts for all their transactions. Customers can also make online purchases through the RuPay PaySecure and MasterCard SecureCode.
- EMI scheme: High-value purchases can be converted into monthly installments at a competitive interest rate. Transactions done on a Visa International Credit Card can be paid back through EMIs with tenures ranging from 3, 6, 9, 23, 24 or 28 months.
- Insurance: Union Bank of India Visa International Credit Card holders can also get a complimentary personal accident cover, depending on the type of card availed. This insurance protection is also extended to add-on card holders. Classic card holders can get an air accident cover worth Rs. 2 lakhs and a regular personal accident death cover for Rs. 1 lakh. Silver card holders can get an air accident cover worth Rs. 4 lakhs and a regular personal accident death cover for Rs. 2 lakhs. Gold card holders can get an air accident cover worth Rs. 8 lakhs and a regular personal accident death cover for Rs. 5 lakhs.
- Union Instant Cash: Cardholders can also use the “Union Instant Cash” facility to withdraw cash at select merchant outlets. Customers can withdraw up to Rs. 1000 and Union Bank of India charges a service fee of Rs. 10 for every transaction.
- Hot Listing Facility: Union Bank Visa International credit card holders can use the 24/7 hot listing facility available and get lost card liability protection to up to Rs. 1000, after reporting loss of card.
Photo Signature VISA Card:
This Signature card is issued as a Union Bank of India Classic card, Union Bank of India Silver card and a Union Bank of India Gold card.
Signature Credit Card:
As a higher variant, this card comes with privileges that cater to the international market. Carrying an embedded EMV chip for extra protection this card offers maximum security to users while performing online and PoS transactions.
- Credit Limit: The credit limit assigned to a Signature credit card holder would be 20% of the salary as shown in the latest pay slip or Income tax returns statement.
- Annual Fees: The annual fee charged for this card is Rs. 250, but the bank will waive this fee off if the card holder makes a yearly transaction of more than Rs.1 lakh.
- Insurance: Customers can also get an accidental death insurance cover for Rs. 6 lakhs and an air accidental cover for Rs. 10 lakhs, when they avail this card.
- Lounge Access: Card holders can enjoy two free lounge access at international and domestic airports, every quarter.
- Union Rewardz: Under the Union Rewardz program, customers can accrue rewards points for PoS and online transactions, with a minimum spend of Rs.100. These accumulated points can be redeemed for travel tickets, merchandise, gift vouchers, etc. A minimum of 100 rewards points have to be amassed to be eligible for redemption. For every Rs. 100 spent on a Signature credit card, customers can earn 4 rewards points.
- Offers: As Visa privileges, Signature card holders can get a 10% discount on dining bills at 1200 restaurants and a 5% to 10% discount on car rentals, abroad.
Eligibility for UBI Visa International Signature Credit Card
Applicants for a Visa International Credit Card have to meet the required income criteria as stipulated by Union Bank of India.
Signature credit card:
An applicant for a signature credit card should show a minimum annual income of Rs.5 lakhs.
Documents required for UBI Visa International Signature Credit Card
Union Bank of India Visa International Credit Card:
Salaried Employees / Self-employed Professionals
- Address Proof
- PAN Card
- Income Proof for Salaried Employees - Pay slip / Form 16 / Salary Certificate / Income Tax returns
- Income Proof for Self-employed Professionals - Form 16 / Income Tax returns
If the income proof is not available, then customers can apply for a credit card against a fixed deposit account.
Fees & Charges of UBI Visa International Signature Credit Card
Classic Credit Card | Silver Credit Card | Gold Credit Card | Signature Credit Card | |
Annual Fees | Nil | Nil | Nil | Rs. 250 (Waived off if the yearly spend is more than a lakh. |
Cash Advance Charges - Cash Withdrawals | 2.50% | 2.50% | 2.50% | - |
Finance Charges - Roll over credit | 1.90% | 1.90% | 1.90% | - |
Cash Advance Charges - ATMs | Rs.100 | Rs.100 | Rs.100 | - |
Cash advance - on Credit limit | Up to 20% | Up to 20% | Up to 20% | - |
Cash Advance Charges - Abroad | Rs.125 | Rs.125 | Rs.125 | - |
Returned Cheque | Rs. 100 / instance | Rs. 100 / instance | Rs. 100/ instance | - |
Late Payment Charges | Rs.200 | Rs.200 | Rs.200 | - |
Over Limit Charges | Rs. 100 / instance | Rs. 100 / instance | Rs. 100 / instance | - |
Enhancement of credit limit | Rs. 100 / instance | Rs. 100 / instance | Rs. 100 / instance | - |
PIN Replacement Fee | Rs.50 | Rs.50 | Rs.50 | - |
Card Replacement fee | Rs.100 | Rs.100 | Rs.100 | - |
FAQs on UBI Visa International Credit Card
- How can customers check the balance in their Union Bank Visa International credit card accounts?
Card holders can call the 24/7 Credit Card Call Centre or the Union Bank general call centre to check their credit card account balance.
- What are the different bill payment modes available to Union Bank of India Visa International credit card holders?
Union Bank of India Visa International credit card users can use the following methods - Auto Debit, Internet Banking, at Union Bank of India branches.
- What should a Union Bank of India Visa International credit card holder do if his card has been lost or stolen?
Customers should report the loss of card to the 24/7 customer care and place a request to hotlist the credit card.
- How does the revolving credit facility work for Union Bank of India Visa International credit cards?
Using the revolving credit facility, card holders can enjoy the flexibility of choosing to pay either the a) Minimum amount due, b) total amount due or c) any amount between the two aforementioned amounts.
- Under the revolving credit facility, when does the customer start paying interest?
New purchases would attract interest from the date of purchase, if the customer is availing the revolving credit facility.
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