Union Bank of India VISA Platinum Credit Card

Charge

• Cash Advance: interest (finance charge) @ 2.5% p.m. (30% annualized) from date of withdrawal.
• Cash Withdrawal Fee at own & other Bank ATMs: 3% of Cash Advance or Min. ₹500/-.
• Finance/Service charge (retail rollover): 3.00% p.m. / 36% annualized (whether or not MPD paid).
• Card Replacement (VISA Platinum): ₹249/-.
• Lost Card Charges: NIL.
• Charge slip Request: ₹200/-.
• Temporary Enhancement: ₹200/- per occasion.
• Hot Listing Charges: Nil.
• If MPD not paid: ₹200/-.
• Balance enquiry: own Bank ATM Nil, other Bank ATM ₹20/-.
• Green PIN: 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: dues up to ₹25,000/- ₹200/-, above ₹25,000/- ₹500/-.
• Statement for >3 months: ₹50/- per statement.
• (Charges exclusive of GST).

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-05 · source

Interest-free period

• Interest-free (grace) period ranges from 20 to 50 days, applicable only on retail purchases and if previous month's balance cleared in full.
• No interest-free period for cash withdrawals.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-05 · 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 · 2026-08-05 · source

Insurance

• Group Personal Accidental (Accidental death) Insurance Coverage: ₹10,00,000 for VISA Platinum (premium borne by cardholder).
• Cardholders aged 18 to under 70 eligible.
• Up to 3 add-on cardholders eligible with consent and premium payment.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-05 · source

Eligibility

Card(s), whether Primary or Add-On, will not be issued to any person less than 18 years of age.

Verified · Cardholder Agreement (Terms & Conditions) – Union Bank of India Credit Cards · 2026-08-05 · source

Official terms

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

Verified · VISA Platinum Credit Card product page · 2026-08-05 · source