CREDIT CARD DETAIL Union Bank of India Classic Card Card Highlights Card Class Standard Card Type Classic Issuer Union Bank of India Offered Type Visa Rewards Main Features Cards are issued with photograph and signature of the cardholder printed for enhanced safety. SPENDING LIMIT: 25% of annual income with a minimum of Rs.15000 and a maximum of Rs.5.00 lacs. Option to pay a minimum of 10% of the outstanding amount and option to carry over the balance. Lowest interest rate of 20.40% per annum only on the outstanding balance on daily product basis. 25% of Annual gross income reported with a minimum limit of 15000/.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 1.7% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month  Fees & charges   Fees & charges Joining Fee Waived as an introductory offer Annual Fee Annual Fee: Rs 200 Renewal Fee: Rs 200 Add On Card Fee Add on Card fee: Rs 50. Two add-on members on his/her card. Add on cards are issued only to the following family members: spouse, Major son, Major unmarried daughter & parents. Credit Limit 25% of annual income with a minimum of Rs.15000 and a maximum of Rs.5.00 lacs. Cash Advance Limit 10% of limit Min 2000 Late Payment Min.: Rs 100 Free Credit Period Min.: 20 days Max.: 50 days Limited Lost Card Liability Lost card liability of the Cardholder is restricted to Rs.1000 in case of misutilisation after report to Bank / VISA. Cheque Bounce Fee Min.: Rs 100 Return of Cheque Fee Min.: Rs 100 Replacement Card Charges Rs 100 Charge Slip Request Rs.100 or the actual charges whichever is higher Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits 1 Reward point for every Rs.100/ worth of purchases through Merchant Establishments, which can be accumulated and redeemed against renewal fees.  Services & Features   Services & Features General Features: Photo Option Yes Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility No Rewards Programme Yes Global Emergency Assistance Service Yes Insurance: Air Accident Free Accident Insurance cover Rs 200000. For claiming accident insurance benefits; the cardholder must have utilized his card at least a certain number of times before. Other Accident Free Accident Insurance cover Rs 100000. For claiming accident insurance benefits; the cardholder must have utilized his card at least a certain number of times before. Hospitalization Benefits No  Eligibility Criteria   Eligibility Criteria Any depositor over 21 with a minimum of Rs.25000 deposit in his name, can get a Credit card upto 100% of the deposit amount Free of Cost. The Deposit receipt is to be discharged and handed over to the Branch, which will be kept under line.  Salaried   Salaried: Annual Income Rs 6000000.00 Age Min.: 21 Yrs.   Max.: 60 Yrs. Documents Required * For Persons working in Govt./PSU/Listed Companies/ consultancies /Multinational companies a) Salary slip (Last one month) b) Computer pay slip (last 1 month) c) Salary certificate d) Form 16 e) IT return ack copy (last financial year) * For Persons working in Pvt ltd companies/Trading concernsProp. / Partnership firms a) Computer pay slip (last 1 month) b) Salary certificate (As per Annexure VI) c) Form 16 d) IT return ack copy (last financial year)  Self Employed   Self Employed: Annual Income Rs 8000000.00 Age Min.: 21 Yrs.   Max.: 65 Yrs. Documents Required For Proprietors / Partnerships Qualified professionals/Agents / Contractors a) IT Return (for the last financial Year) b) Form 16 A Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS The home loans interest rate story: The... This is how a bank lends money Manage your loans, avoid recovery agents Home Equity Loan: A shoulder you can bank... Utilise credit card reward points