Can you provide me the Eligibility Requirement for applying for Credit Card in Union Bank of India? Also tell me about the benefits for Credit Card in Union Bank of India?

Union Bank of India offers a range of credit cards with superlative privileges ranging from shopping, dining, ticket bookings, travel, entertainment and much more. Its credit cards are offered in multiple variants like Gold, Classic and Silver. One can opt for a credit card with a photo or without, and Union Bank will customize cards according to their requirements.

Union Bank of India Credit Card Eligibility:
• The stipulated income criteria have to be met by Visa International Credit Card applicants.
• Signature credit cards can be procured if one has a minimum income of Rs. 5 lakhs per annum.
• Usecure credit cards can be availed by one holding a term deposit for any value ranging from Rs 25,000 to Rs 5, 00,000.

Union Bank of India Credit Cards - Documents required:

Salaried Employees and Self-employed Professionals:
1. PAN Card
2. Address Proof
3. Income Proof for Salaried Employees - Pay slip / Salary Certificate / Form 16 / Income Tax returns/li>
4. Income Proof for Self-employed Professionals - Income Tax returns / Form 16

Features and Benefits of Union Bank of India Credit Cards:

1. Annual fees:
One does not have to pay any annual fees for a Union Bank of India credit card. Only holders of the Signature credit card have to bear an annual fee of Rs. 250, which is waived off if the credit card spend is over Rs. 1 lakh.

2. Lifestyle privileges:
It offer exceptional lifestyle privileges inclusive of discounts on dining bills, car rental offers, entertainment benefits, travel privileges and an excellent rewards program.

3. Add-on cards:
Bank primary card holders also have the option of availing add-on cards for their family members.

4. Union Rewardz:
o The Bank offers an exciting loyalty program, “Union Rewardz” to credit card holders, through which rewards points can be accrued by making PoS transactions and on e-commerce outlets.
o Redemption can be done for gift vouchers, merchandise, travel tickets, etc. Union Bank of India automatically enrolls a new card member into the Union Rewardz loyalty program.
o One can earn rewards points with a minimum spend of Rs. 100. Redemptions can be done, when a minimum of 100 rewards points has been amassed.
o Union points can be earned based on the customer’s monthly spend on a Union Bank of India credit card. The rewards points’ structure is as follows -
o If the monthly spend is up to Rs. 10,000, then 1 Union Point can be earned with every Rs. 100 spent.
o If the monthly spend ranges between Rs. 10,001 to Rs. 30,000, then points can be earned at the rate of 1.5 points for every Rs.100 spent.
o If the monthly spend is above Rs. 30,000, then 2 Union Points can be earned with every Rs. 100 spent.

5. Insurance:
Depending on the type of credit card chosen, Bank offers personal accidental death insurance and air accident insurance to customers. The amount insured again varies with the type of card chosen.

6. Fuel Surcharge Waiver:
Bank customers can enjoy surcharge waivers on fuel transactions for purchase amounts ranging between Rs. 400 and Rs. 4000.

7. EMI plans:
One can easily convert their high-value purchases into monthly installments and repay back in tenures of 3,6,9,23,24 or 28 months.

8. 24/7 Hotlisting Facility:
Credit cards that are lost or stolen can be hot listed or blocked by contacting the 24/7 helpline available from Bank.

9. Interest Free Period:
Bank offers an interest free credit period to up to 50 days to all credit card holders.