The interest rates applicable to Union Bank of India Credit Cards may vary based on the type of card and the specific terms and conditions. Please refer Terms & conditions tab on our website https://unioncards.unionbankofindia.co.in  or contact our customer service for detailed information on interest rates.

Send an SMS CARDACKW XXXX (where XXXX denotes last 4 digits of your credit card no.) from registered mobile no. to 7836884400 to activate your credit card.

PIN can be generated for activated credit cards only. Generate PIN in any of these 3 ways-

• Credit card website – Visit GREEN PIN GENERATION tab on our website (https://unioncards.unionbankofindia.co.in)

• Union Credit card app. - Log in Union Credit card app., visit PIN Generation tab

• VYOM app - Log in VYOM app., go to Credit card option under Transact section, choose your credit card & go to Generate PIN option

Yes, Union Bank of India provides a user-friendly online platform where you can easily manage your credit card account, view statements, make payments, and track transactions.

There are 3 modes to manage your credit card online:

• Credit card website – Visit https://unioncards.unionbankofindia.co.in (Login/Register)
• Union Credit card app. (available on Google Playstore & Apple Store)
• VYOM app (available on Google Playstore & Apple Store)

The annual fees for Union Bank of India Credit Cards may vary depending on card variant and the benefits associated with it. Please refer our website or contact our customer service for detailed information on annual fees.

You can choose from a variety of redemption options, including merchandise, gift vouchers, travel experiences or credit card bill payment.

Redemption can be done in 2 ways-

• Union Rewardz app. (available on Google Playstore & Apple Store)
• Union Rewardz website https://www.unionrewardz.com/user/login 

Yes, you can request an increase in your credit card limit by visiting the nearest Union Bank of India branch. Your request will be subject to a review of your creditworthiness and financial profile.

Yes, Union Bank of India Credit Cards are accepted for international transactions. However, please ensure that your card is enabled for international usage and check the applicable foreign currency markup fee.

International/Domestic payment channels (POS/Online/Contactless) can be enabled/disabled using Union Credit card app., VYOM app. & website login.

If your credit card is lost or stolen, please contact our customer service immediately to report the incident. We will assist you in blocking the card and arranging for a replacement. Card can be blocked in 4 more ways-

• SMS - Send an SMS CARDLOST XXXX (where XXXX denotes last 4 digits of your credit card no.) from registered mobile no. to 7836884400
• Union Credit card app. - Log in Union Credit card app., go to Manage card section to block your credit card
• VYOM app - Log in VYOM app., go to Credit card option under Transact section, choose your credit card (to block), block using Hot-list Credit Card option
• Credit card website - Log in website, Go to “Lost Card” under Request section to block the card (choose Re-issue card option for issuance of replacement card)
• UV connect - Avail credit card services (block/unblock) on our official Whatsapp no. 9666606060 from your registered mobile no.

There are 3 ways to request replacement card:

• Union Credit card app. - Log in Union Credit card app., go to Service Request section and click on Request for Replacement of Card option
• SMS - Send an SMS LOSTREPL XXXX (where XXXX denotes last 4 digits of your credit card no.) from registered mobile no. to 7836884400
• Credit card website - Log in website (https://unioncards.unionbankofindia.co.in/)replacement card should be requested at time of blocking the card. Under Lost Card section, choose Yes in RE ISSUE CARD option.

Renewed/replacement credit card will be delivered to the registered address (in the records) at time of renewal/replacement request.

• Union Credit card app. - Log in Union Credit card app., tap on hamburger menu on top left, check User Profile under Account option. PRESENT ADDRESS is address of communication.
• Credit card website - Log in website (https://unioncards.unionbankofindia.co.in/) visit My Profile section to see Communication Address.

You can request the address update in your branch providing copy of address proof.

Address update can also be requested through your registered email id. Kindly send the scan copy of address proof with request for address update to ccdhelpdesk@unionbankofindia.bank

If you notice any unauthorized transactions on your credit card statement, contact our customer service immediately to report the issue. We will initiate an investigation and take appropriate measures to resolve the matter. You can also block the credit card to prevent further misuse. After blocking the card, matter can be reported at ccdhelpdesk@unionbankofindia.bank

Credit card dues can be paid in 4 ways:

• VYOM app - Log in VYOM app., Go to Transact section, click on Credit Card icon
• Net Banking – pay credit card bill using Union Bank of India internet banking
• Credit card app. – Login Credit card app., click on Payment icon. Proceed to pay through Union Bank of India internet banking or Bill Desk
• Credit card website – Visit website (https://unioncards.unionbankofindia.co.in)Go to CREDIT CARD PAYMENT tab for payment of credit card dues

No, rewards points are not offered on cash withdrawal transactions done on your credit card