{"id":86624,"date":"2026-06-29T13:25:31","date_gmt":"2026-06-29T07:55:31","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86624"},"modified":"2026-06-29T13:25:31","modified_gmt":"2026-06-29T07:55:31","slug":"union-bank-of-india-visa-gold-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/union-bank-of-india-visa-gold-credit-card\/","title":{"rendered":"Shop Anywhere with the Union Bank of India VISA Gold Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1 reward point per \u20b9100 spent on purchases.<\/li>\n\n\n\n<li>\u20b9350 annual fee with no joining fee required.<\/li>\n\n\n\n<li>\u20b95 lakh accidental insurance coverage for cardholders.<\/li>\n\n\n\n<li>Accepted at millions of global merchants and websites.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Users also earn 1 reward point for every \u20b9100 spent, where each point equals \u20b90.25. Though the joining fee is nil, an annual fee of \u20b9350 is levied on the card.<\/p>\n\n\n\n<p>Let us now look at the key benefits and charges of this card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Union Bank of India VISA Gold Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/Visa-Gold-Card-Benefits-1024x768.png\" alt=\"Union Bank of India VISA Gold Credit Card Benefits\" class=\"wp-image-86628\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/Visa-Gold-Card-Benefits-1024x768.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/Visa-Gold-Card-Benefits-300x225.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/Visa-Gold-Card-Benefits-150x113.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/Visa-Gold-Card-Benefits-768x576.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/06\/Visa-Gold-Card-Benefits.png 1448w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The card includes chip and PIN technology, which adds an extra layer of security during transactions and helps reduce the risk of fraud.<\/p>\n\n\n\n<p>In addition to secure payments, the card offers several useful benefits for everyday usage.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Insurance Protection:<\/strong> Cardholders receive accidental insurance coverage of \u20b95 lakh under the card program. The premium is borne by the cardholder.<\/li>\n\n\n\n<li><strong>Fuel Surcharge Waiver:<\/strong> The card offers a 1% fuel surcharge waiver on eligible fuel purchases, capped at \u20b9100 per billing cycle.<\/li>\n\n\n\n<li><strong>Add-on Cards for Family:<\/strong> Primary cardholders can request up to 3 add-on cards for family members such as spouse, parents, or children.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Union Bank of India VISA Gold Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>Certain charges may apply while using this card. For example, a lost or damaged card can be replaced for \u20b9149.<\/p>\n\n\n\n<p>A few <a href=\"https:\/\/www.unionbankofindia.bank.in\/pdf\/key-fact-statement.pdf\" target=\"_blank\" rel=\"noopener\">other charges<\/a> related to the card are listed below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Cheque Return Charges<\/td><td>\u20b9250<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% (min. \u20b9250)<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>Union Bank ATM: 3% or min. \u20b9200Other ATMs: 3% or min. \u20b9250<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Dues up to \u20b925,000: \u20b9200 <br>Dues above \u20b925,000: \u20b9500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Avoid unnecessary charges by paying your credit card bills on time with the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a>. 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.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">Footnotes<\/h3>\n\n\n\n<p>The annual fee is waived in the first year and will not be levied if yearly spending reaches \u20b930,000 during the previous card year.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1782714667988\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the finance charges if the credit card balance remains unpaid?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1782714697280\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What documents are required to apply for a Union Bank VISA Gold Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1782714711497\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the Union Bank of India VISA Gold Credit Card eligibility?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Applicants must be 18\u201365 years (salaried) or 18\u201370 years (professionals). A CIBIL score of 700 or above is generally required, while 650 may be accepted for PSU or government employees.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b9100 spent, where each point [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":86626,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86624","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86624","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86624"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86624\/revisions"}],"predecessor-version":[{"id":86627,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86624\/revisions\/86627"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86626"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86624"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86624"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}