If you want a credit card that’s going to pay you back for the money you spend, a Union Bank of India credit card might be up your alley. They have options on cards that can give you reward points for every Rs 100 you spend. The point can go up the when you spend over 10,000.

There are a variety of reasons why you might want a new credit card. And there are hundreds of credit card options, so it is critical that you align your personal financial plan with what a credit card has to offer. If you need a credit card due to a financial imbalance at the end of the month then you need to look at interest rates and late fees before anything else.

If you have the income to cover all your expenses and want a card that’s going to give you perks for using it then the card you choose can be different. Our editors have closely examined the Union Bank of India’s Usecure card to help you decide whether this card is right for you. Check out the details and weigh them against your personal needs before you hit the apply button.

What are the Benefits of a Union Bank Credit Card?

The Usecure Credit Card is perfect for customers looking for a card that fits their budget without sacrificing functions. One of the best features of this Visa card is the flexible rewards program. If you spend Rs 10,000 monthly, you can get 1 point for every Rs 100 you spend.

When you reach a monthly expenditure of 10,001 to Rs 30,000, you are eligible for 1.5 Union Points, whilst customers who spend more than Rs 30,000 will be able to earn 2 points for every Rs 100. When redeeming your points, you do not have to worry about any charges. You can also save more when you purchase gas due to fuel surcharges the bank offers.

Aside from rewards and savings, you can rely on this card to cover you for any accidents. When you use this card for your travels, you are insured for accidental death and air accidental death for 5 and 8 Lacs respectively. Other benefits of having this card include secure transactions, flexible payment and online bill payments for a more convenient experience.

Union Bank Credit Card Fees and Charges

This card is good if you are on a strict budget since it does not charge any additional annual or renewal fee. It also has a reasonable interest rate, making your savings more worthwhile. For cash advances through withdrawal, you will be charged a rate of 2.5%, whilst those made on credit limit will be charged 20% of the limit.

A Rs 100 fee applies for cash advances at ATMs, whilst those made overseas will be billed Rs 125. If you fail to pay your dues on time, keep in mind that you will be charged Rs 200 for late payments.

Union Bank Credit Card

How to Apply for a Union Bank Credit Card

Ordering this card is a pretty simple process. Just make sure to have the right documents on hand before you get into the application process. For salaried individuals, bring a proof of address, a copy of your PAN card and a proof of income such as your salary slip or your latest income tax return. If you are self-employed, you must have a copy of your PAN card, as well as proofs of address and income.

When you use this card, you can expect a fee of Rs 100 for every transaction that goes over the credit limit. If you are interested in getting this card, just visit a branch near you. For more information, check out the Union Bank of India website.

It is good have a reliable card in your wallet that is going to be safe and secure as well as give you points on the money you use. The Union Bank of India’s Usecure Credit Card is a good bet if you are financially stable and looking for bonuses. If your needs match what the card has to offer, you can go to the banks’s site. You can also visit a local branch to get more information.

How to Contact Union Bank

Head Office

Union Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai – 400 021, Maharashtra, India.

Telephone: 1800 22 22 44 / 1800 208 2244 (or +918025302510 for NRI)

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.