Union Bank of India VISA Gold Credit Card

Lounge access

No complimentary airport lounge access on VISA Gold Credit Card.

Verified · Credit Card Policy FY 2024-25 – Union Bank of India (governing policy document) · 2026-08-02 · source

Forex markup

Foreign Currency Markup Fee: 3%.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold) · 2026-08-02 · source

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).

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold) · 2026-08-02 · source

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.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold) · 2026-08-02 · source

Fuel surcharge waiver

Fuel Surcharge Waiver: 1% up to ₹100/- per month.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold) · 2026-08-02 · source

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.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold) · 2026-08-02 · source

Reward cap

Minimum 100 reward points required for redemption.

Verified · Credit Card Policy FY 2024-25 – Union Bank of India (governing policy document) · 2026-08-02 · source

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.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards (covers VISA Gold) · 2026-08-02 · source

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.

Verified · Credit Card Policy FY 2024-25 – Union Bank of India (governing policy document) · 2026-08-02 · source

Official terms

https://www.unionbankofindia.bank.in/en/details/visa-gold-credit-card.

Verified · VISA Gold Credit Card product page · 2026-08-02 · source