Elevate your lifestyle with premium rewards and exclusive travel privileges
Earn reward points on every purchase with attractive redemption options
Complimentary domestic and international airport lounge visits
Comprehensive travel insurance and exclusive travel privileges
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| Benefit | Details |
|---|---|
| Reward Points Programme | Earn reward points on eligible retail spends across domestic and international transactions. Accumulated points can be redeemed for merchandise, gift vouchers, and travel bookings |
| Welcome Benefits | Receive attractive welcome gifts upon card activation and meeting the minimum spend criteria within the specified timeframe |
| Airport Lounge Access | Complimentary access to domestic airport lounges and limited international lounge visits annually through Priority Pass membership |
| Fuel Surcharge Waiver | 1% fuel surcharge waived on transactions at petrol pumps across India, subject to minimum and maximum transaction limits |
| Dining Privileges | Access exclusive dining offers and discounts at partner restaurants across India through the bank's dining programme |
| Travel Insurance | Comprehensive insurance coverage including air accident cover, lost baggage protection, and travel inconvenience benefits for cardholders |
| Foreign Currency Markup | Foreign Currency Markup Standard foreign exchange markup applicable on international transactions processed in foreign currency. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Union Bank of India |
| Bank / Non-bank | Bank-affiliated |
| Category | Premium Travel / Lifestyle |
| Type of Card | Premium Credit Card (VISA Signature) |
| Free or Paid | ₹3,500 + GST Annually (Waiver conditions available) |
The Union Bank of India VISA Signature Credit Card is designed for discerning customers who seek premium lifestyle benefits combined with rewarding everyday spending. As part of the VISA Signature tier, this card offers enhanced privileges including airport lounge access, comprehensive travel insurance, and an attractive rewards programme. It's particularly suitable for frequent travellers and those who value exclusive dining and lifestyle experiences whilst maintaining their banking relationship with Union Bank of India. The card provides a balanced mix of travel perks and lifestyle benefits at a competitive annual fee, making it an accessible premium offering for middle to high-income professionals.
Comprehensive Rewards Programme: The card features a points-based rewards system where cardholders earn points on eligible retail purchases. Points can be accumulated and redeemed through the Union Bank rewards catalogue for merchandise, gift vouchers, travel bookings, and other lifestyle products. The redemption process is designed to be straightforward through the online portal.
Airport Lounge Benefits: Cardholders enjoy complimentary access to domestic airport lounges across India, providing a comfortable pre-flight experience. Additionally, the card offers limited international lounge access through Priority Pass membership, allowing travellers to relax in premium lounges worldwide during international journeys.
Travel Insurance Coverage: The card provides comprehensive travel insurance benefits including air accident cover, protection against lost baggage, and coverage for travel inconveniences. These insurance benefits offer peace of mind during domestic and international travel, protecting cardholders against unforeseen circumstances.
Fuel Transaction Benefits: Cardholders benefit from a 1% fuel surcharge waiver when transacting at authorised petrol pumps across India. This benefit is subject to minimum and maximum transaction limits per billing cycle, providing savings on regular fuel purchases.
Dining and Lifestyle Privileges: Access exclusive dining offers at partner restaurants through Union Bank's dining programme. The card also provides various lifestyle benefits including discounts on shopping, entertainment, and wellness services through tie-ups with premium merchants.
VISA Signature Privileges: As a VISA Signature card, cardholders enjoy global acceptance, enhanced security features, and access to exclusive VISA Signature benefits including concierge services, dining programmes, and luxury experiences worldwide.
Welcome and Milestone Benefits: New cardholders receive welcome benefits upon activation and meeting minimum spend requirements within the specified period. The card may also offer milestone-based rewards for achieving certain spending thresholds during the year.
Add-on Card Facility: The card allows for add-on cards for family members, extending the premium benefits to spouses and children. Add-on cardholders can enjoy select benefits whilst the primary cardholder maintains control over the account.
EMI Conversion Options: Convert high-value purchases into easy monthly instalments through the EMI conversion facility. This feature provides financial flexibility for large purchases whilst managing monthly cash flow effectively.
Enhanced Security Features: The card incorporates advanced security measures including EMV chip technology, secure PIN authentication, and real-time transaction alerts to protect against fraudulent activities and unauthorised usage.
Retail Spends: Earn reward points on eligible retail transactions made domestically and internationally. The earning rate is determined by the transaction category and merchant type, with standard retail purchases earning base points.
Minimum Redemption: A minimum threshold of reward points is required to begin redeeming accumulated points through the rewards catalogue or partner platforms.
Points Validity: Reward points typically remain valid for a specified period from the date of earning. Points nearing expiry are communicated to cardholders through periodic statements and notifications.
Accelerated Categories: Certain spending categories may offer accelerated points earning, providing enhanced rewards for specific merchant types or promotional periods.
Rewards Catalogue: Access the Union Bank rewards catalogue featuring merchandise, electronics, lifestyle products, and gift vouchers. Points can be redeemed seamlessly through the online portal.
Travel Bookings: Utilise accumulated points towards flight tickets, hotel bookings, and holiday packages through partner travel platforms, maximising value from reward point redemptions.
Gift Vouchers: Exchange points for gift vouchers from popular retail brands, e-commerce platforms, dining establishments, and lifestyle merchants across various categories.
Statement Credit: Some redemption options may allow converting points to statement credits, providing direct value against outstanding balances or future purchases.
Activation Rewards: Receive welcome gifts or bonus reward points upon card activation and completing the minimum spend requirement within the stipulated timeframe, typically 30-90 days from activation.
Introductory Offers: New cardholders may be eligible for special introductory offers including enhanced rewards rates, promotional benefits, or exclusive privileges during the initial period.
Domestic Lounge Visits: Complimentary access to domestic airport lounges across major Indian airports. The number of complimentary visits per quarter or year is specified in the card benefits.
International Lounge Access: Limited complimentary international lounge visits annually through Priority Pass membership, subject to activation and registration requirements.
Guest Access: Certain lounge programmes may allow cardholders to bring guests, either complimentary or at reduced rates, subject to specific terms and conditions.
Waiver Details: 1% fuel surcharge waived on fuel transactions at authorised petrol pumps across India, subject to minimum transaction value and maximum waiver per billing cycle.
Eligible Transactions: The waiver applies to fuel purchases made directly at petrol pumps using the card. Transactions must meet minimum ticket size requirements to qualify.
Air Accident Cover: Substantial coverage for air travel-related accidents providing financial protection to cardholders and their families during domestic and international flights.
Lost Baggage Protection: Compensation for lost, stolen, or damaged checked-in baggage during air travel, subject to policy limits and documentation requirements.
Travel Inconvenience: Coverage for trip delays, missed connections, and other travel inconveniences that disrupt planned journeys, providing reimbursement for additional expenses incurred.
Restaurant Offers: Access exclusive dining discounts and offers at partner restaurants across India through Union Bank's dining programme, providing savings on meals and beverages.
Seasonal Promotions: Special dining promotions during festive seasons and promotional periods offering enhanced discounts or complimentary items at participating establishments.
Concierge Services: Access to VISA Signature Concierge for assistance with travel bookings, restaurant reservations, event tickets, and lifestyle services.
Global Acceptance: Accepted at millions of merchant locations worldwide displaying the VISA logo, ensuring seamless transactions during international travel.
Luxury Experiences: Exclusive access to VISA Signature luxury experiences, special events, and premium lifestyle offerings available to cardholders.
Movie Offers: Special discounts and offers on movie ticket bookings through partner platforms, providing savings on entertainment expenses.
Event Access: Preferential booking access and discounts on concerts, sporting events, theatre performances, and other entertainment activities.
Purchase Insurance: Coverage against theft or accidental damage of items purchased using the card, subject to policy terms and time limits from purchase date.
Extended Warranty: Potential extension of manufacturer's warranty on eligible purchases, providing additional protection beyond standard warranty periods.
Reward points are not earned on the following transaction categories:
Cash withdrawals and cash advances
EMI conversions and processing fees
Card fees and charges (joining fee, annual fee, late payment fees)
Fuel purchases (though fuel surcharge waiver applies)
Wallet loads and reloads (subject to bank policy)
Insurance premium payments
Education fee payments
Government institution payments
Utility bill payments (subject to bank policy)
Jewellery and gold purchases (subject to bank policy)
Reversals, refunds, and cancelled transactions
Balance transfers
Note: The exclusion list may vary based on bank policy updates. Cardholders should refer to the most recent terms and conditions for accurate information on earning restrictions.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹3,500 + GST (~₹4,130) | One-time charge when the card is issued |
| Annual Fee | ₹3,500 + GST (~₹4,130) | Charged every year. Fee waiver available on meeting minimum annual spend criteria |
| Add-on Card Fee | ₹1,500 + GST per card | Fee for additional cardholders on the account |
| Interest Rate (APR) | 2.95% to 3.35% per month (35.4% to 40.2% annually) | Applicable on outstanding balances after the due date |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Standard forex markup charged on international transactions |
| Cash Withdrawal Fee | 2.5% of cash amount (Minimum ₹300) | Applicable on cash withdrawals from ATMs or banks |
| Cash Advance Limit | As per bank's policy | Maximum cash withdrawal permitted |
| Late Payment Fee | ₹600 to ₹1,200 based on balance | ₹600 for balances up to ₹5,000; ₹900 for balances ₹5,001-₹10,000; ₹1,200 for balances above ₹10,000 |
| Over-limit Penalty | 2.5% of over-limit amount (Minimum ₹500) | Charged when spending exceeds sanctioned credit limit |
| Cheque Return/Dishonour Fee | ₹500 per transaction | Charged when payment cheque bounces or auto-debit fails |
| Cash Payment at Branch Fee | ₹100 per transaction | Charged for paying credit card bills in cash at Union Bank branches |
| Reward Points Redemption Fee | As per redemption terms | May vary based on redemption category and partner platforms |
| Duplicate Statement Charges | ₹50 per statement | Charged for requesting duplicate physical statements |
| Rent Transaction Fee | 1% surcharge (subject to bank policy) | Applicable on rent payments made through the card |
| Wallet Load Fee | As per bank policy | Charged for loading digital wallets, subject to terms |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years |
Existing Customer | Available to both existing Union Bank customers and new applicants |
Citizenship | Must be a Resident of India |
Credit Score | Good to excellent CIBIL score (ideally 700+) preferred |
Income | Minimum annual income requirement (typically ₹6-8 lakhs for salaried; varies for self-employed) |
Banking Relationship | Preferably existing Union Bank account holder; new customers may need to open savings account |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Recent Utility Bill (within 3 months) |
| Income Proof | Latest salary slips (last 3 months) / Bank statements (last 6 months) / Form 16 / IT return copy (last 2 years) / Audited financials (for self-employed) |
| PAN Card | Mandatory for credit card issuance |
| Photograph | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Union Bank of India VISA Signature Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise Reward Points | Use the card for all eligible retail purchases to accumulate reward points steadily throughout the year |
Utilise Lounge Access | Activate your Priority Pass membership and use complimentary lounge visits when travelling domestically and internationally |
Track Reward Points | Regularly monitor your reward points balance through net banking or mobile app to plan timely redemptions |
Use Fuel Surcharge Waiver | Make fuel purchases above the minimum transaction value to benefit from the 1% surcharge waiver |
Leverage Dining Offers | Check the dining programme regularly for exclusive restaurant offers and discounts in your city |
Pay in Full Monthly | Always clear your entire statement balance by the due date to avoid interest charges and maintain your credit score |
Meet Annual Spend Targets | Track your annual spending to meet the fee waiver threshold and avoid paying the renewal fee |
Activate Travel Insurance | Ensure your travel insurance is active before trips by meeting the required conditions and documentation |
Use EMI Conversion Wisely | Convert high-value purchases to EMIs only when necessary, considering the processing fees and interest implications |
Monitor Exclusion Categories | Be aware that cash withdrawals, wallet loads, and certain bill payments don't earn reward points |
Set Transaction Alerts | Enable SMS and email alerts for all transactions to monitor spending and detect any unauthorised activity immediately |
Link to Net Banking | Register your card on Union Bank's net banking portal for easy bill payments, statement viewing, and rewards management |
Use Contactless Payments | Utilise the contactless feature for small-value transactions at enabled terminals for quick and secure payments |
Keep Documentation Ready | Maintain copies of transactions and documentation for insurance claims or reward redemptions when needed |
The Union Bank of India VISA Signature Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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