Shop Anywhere with the Union Bank of India VISA Gold Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

29 Jun 26
3 mins

Sandipan Mitra

08 Mins
29-06-26

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Table of Contents

Union Bank of India VISA Gold Credit Card Benefits
Union Bank of India VISA Gold Credit Card Charges

1 reward point per ₹100 spent on purchases.
₹350 annual fee with no joining fee required.
₹5 lakh accidental insurance coverage for cardholders.
Accepted at millions of global merchants and websites.

The Union Bank of India VISA Gold Credit Card use suits everyday spending and travel purchases. The card works at millions of merchant outlets and online platforms across India and abroad. It allows cardholders to shop and pay bills conveniently.

Users also earn 1 reward point for every ₹100 spent, where each point equals ₹0.25. Though the joining fee is nil, an annual fee of ₹350 is levied on the card.

Let us now look at the key benefits and charges of this card.

Union Bank of India VISA Gold Credit Card Benefits

The card includes chip and PIN technology, which adds an extra layer of security during transactions and helps reduce the risk of fraud.

In addition to secure payments, the card offers several useful benefits for everyday usage.

Insurance Protection: Cardholders receive accidental insurance coverage of ₹5 lakh under the card program. The premium is borne by the cardholder.
Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on eligible fuel purchases, capped at ₹100 per billing cycle.
Add-on Cards for Family: Primary cardholders can request up to 3 add-on cards for family members such as spouse, parents, or children.

Union Bank of India VISA Gold Credit Card Charges

Certain charges may apply while using this card. For example, a lost or damaged card can be replaced for ₹149.

A few other charges related to the card are listed below:

Parameters	Charges
Cheque Return Charges	₹250
Overlimit Charges	2.5% (min. ₹250)
Cash Withdrawal Charges	Union Bank ATM: 3% or min. ₹200Other ATMs: 3% or min. ₹250
Late Payment Charges	Dues up to ₹25,000: ₹200 Dues above ₹25,000: ₹500

💡Avoid unnecessary charges by paying your credit card bills on time with the Pice app. Choose your card, enter the required details, confirm the payment amount, and complete the transaction. You can also set payment reminders and track your payment status with ease.

Footnotes

The annual fee is waived in the first year and will not be levied if yearly spending reaches ₹30,000 during the previous card year.

FAQs

What are the finance charges if the credit card balance remains unpaid?

If you pay the minimum payment on time, interest is 2.50% monthly or 30% annually. If you do not pay it by the due date, the rate increases to 2.95% monthly or 35.4% annually.

What documents are required to apply for a Union Bank VISA Gold Card?

Submitting the application form, PAN, and address proof is a must. For income-based cards, provide income documents such as salary slips or bank statements. On the contrary, for FD-based cards, submit the original term deposit receipt.

What is the Union Bank of India VISA Gold Credit Card eligibility?

Applicants must be 18–65 years (salaried) or 18–70 years (professionals). A CIBIL score of 700 or above is generally required, while 650 may be accepted for PSU or government employees.