Union Bank of India VISA Gold Credit Card
Union Bank of India
Annual / renewal fee
- ₹350/- for primary card.
- ₹250/- for add-on card.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Earn rate
1 reward point per ₹100 spent.
VerifiedCredit Card Policy FY 2024-25 – Union Bank of India (governing policy document)3 Aug 2026, 2:45 AM ISTUnion Bank of India
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at canarabank.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at canarabank.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
VISA Gold Credit Card by Union Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
NIL for primary and add-on card.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Annual / renewal fee
- ₹350/- for primary card.
- ₹250/- for add-on card.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Fee waiver
Annual fee waived if credit card usage in last 12 months (from card issuance date) is ₹30,000/- or more.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Rewards
1 reward point per ₹100 spent.
VerifiedCredit Card Policy FY 2024-25 – Union Bank of India (governing policy document)3 Aug 2026, 2:45 AM IST
Redemption value
- Reward points can be checked and redeemed for credit card bill payment, purchasing gift vouchers etc. via Union Rewardz app or website (www.unionrewardz.com).
- Reward points are subject to expiry.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Reward cap
Minimum 100 reward points required for redemption.
VerifiedCredit Card Policy FY 2024-25 – Union Bank of India (governing policy document)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Travel & lounge
Lounge access
No complimentary airport lounge access on VISA Gold Credit Card.
VerifiedCredit Card Policy FY 2024-25 – Union Bank of India (governing policy document)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Group Personal Accidental (death) Insurance coverage of ₹5,00,000.
- Premium borne by the cardholder.
- Eligible age 18 to under 70 years.
- Up to 3 add-on holders can be covered with consent and premium payment.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Eligibility
Eligibility
- Resident individuals/NRI, full KYC compliant.
- Entry age: salaried 18-65 yrs, professionals 18-70 yrs (relaxation up to 75 with delegated authority).
- Minimum net annual income ₹2.50 lakhs.
- CIC score >=700 (>=650 for Govt employees) or -1.
- Base card limit ₹50,000/-.
- Card against deposit: 75% of term deposit with 25% margin.
VerifiedCredit Card Policy FY 2024-25 – Union Bank of India (governing policy document)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Charges & interest
Forex markup
Foreign Currency Markup Fee: 3%.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Charge
- Card Replacement: ₹149/-.
- Lost Card Charges: NIL.
- Charge slip Request: ₹200/-.
- Temporary Enhancement: ₹200/- per occasion.
- Hot Listing Charges: Nil (₹200/- if MPD not paid).
- Balance enquiry: Nil at own Bank ATM, ₹20/- at other Bank ATM.
- Green PIN Charges: Nil.
- Cheque Return Charges: ₹250/-.
- Over limit Charges: 2.5% of over limit amount, minimum ₹250/-.
- Transaction Charges at Railways: 1.5% + IRCTC Charges.
- Late Payment Charges: ₹200/- for outstanding dues up to ₹25,000/-, ₹500/- for outstanding dues above ₹25,000/-.
- Statement for >3 months: ₹50/- per statement.
- Cash Advance interest (finance charge): 2.5% p.m. (30% annualized) from date of withdrawal.
- Cash Withdrawal Fee (own & other Bank ATMs): 3% of Cash Advance or min. ₹500/-.
- Service/Finance charge on revolving credit: 3.00% p.m. / 36% annualized (whether MPD paid or not).
- EMI: 16% p.a. reducing, processing fee 2% (min ₹200/- max ₹1,000/-), pre-closure 2% of outstanding (all exclusive of GST).
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Fuel surcharge waiver
Fuel Surcharge Waiver: 1% up to ₹100/- per month.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Interest-free period
- Interest-free (grace) period of 20 to 50 days, applicable only on retail purchases if previous month's balance has been cleared in full.
- No interest-free period for cash withdrawals.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)3 Aug 2026, 2:45 AM ISTUnion Bank of India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the VISA Gold Credit Card?
Officially traced: Rs. 350/- for primary card.
Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)What is the joining fee on the VISA Gold Credit Card?
Officially traced: NIL for primary and add-on card.
Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)Is the VISA Gold Credit Card annual fee ever waived?
Annual fee waived if credit card usage in last 12 months (from card issuance date) is Rs. 30,000/- or more.
Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold)How does the VISA Gold Credit Card earn rewards?
1 reward point per Rs. 100 spent.
Credit Card Policy FY 2024-25 – Union Bank of India (governing policy document)What lounge access does the VISA Gold Credit Card include?
No complimentary airport lounge access on VISA Gold Credit Card.
Credit Card Policy FY 2024-25 – Union Bank of India (governing policy document)What are the transfer ratios for VISA Gold Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.unionbankofindia.bank.in/en/details/visa-gold-credit-card.
VerifiedVISA Gold Credit Card product page3 Aug 2026, 2:45 AM ISTUnion Bank of India
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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