Union Bank of India Silver Card : Union Bank of India : Rupee Times

CREDIT CARD DETAIL

Union Bank of India Silver Card

Card Highlights

Card Class	Standard
Card Type	Classic
Issuer	Union Bank of India
Offered Type	Visa
Rewards	General

Main Features

Cards are issued with photograph and signature of the cardholder printed for enhanced safety. Flexi payment option - Option to pay a minimum of 10% of the outstanding amount and option to carry over the balance. Lowest interest rate of 1.90% per annum only on the outstanding balance on daily product basis. Attractive reward scheme - The cardholders can earn while they spend using the card and avail the benefit of attractive reward programmes launched by the bank from time to time. Free accidental insurance cover Cardholders are eligible for free accidental insurance cover ranging from Rs.1.0 lac to Rs.8.0 lacs depending on the type of card. Cardholders can avail SMS alert and Email Statement services.

Credit Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	1.9% per month

Balance Transfers:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	0% per month

Fees & charges

Joining Fee	Nil
Annual Fee	Nil
Add On Card Fee	Nil
Cash Advance Limit	20% of limit
Cash Advance Transaction Fee	2.5% per month (Annualized percentage, rate at 34.49%) At Bank ATM - Rs.100 per transaction At other Bank ATMs in India - Rs.100 per transaction Overseas transaction - Rs.125 per transaction
Penalty Interest Rate	1.90 % per month (annualized percentage, rate 25.34%)
Late Payment	Rs 200
Free Credit Period	20 to 50 days depending upon the date of purchase and the date of billing
Limited Lost Card Liability	Lost card liability of the Cardholder is restricted to Rs.1000 om the time of notification of such event to the Bank by the Cardholder.
Over Limit Charges	Rs.100 for Each occasion
Cheque Bounce Fee	Rs.100 per instrument
Return of Cheque Fee	Rs.100 per instrument
Replacement Card Charges	Rs 100
Charge Slip Request	Rs.100 or the actual charges whichever is higher
Service Tax	10.3%

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	No
Global Emergency Assistance Service	Yes

Insurance:

Other Accident	Free accidental insurance cover ranging from Rs.1.0 lac to Rs.8.0 lacs
Hospitalization Benefits	No

Eligibility Criteria

Any depositor over 18 yrs who maintains term deposits in his /her name are eligible for Credit Cards. Cards will be issued by marking lien on their deposits to the extent of limit sanctioned. However, residual maturity of the deposits should be till the expiry period of the card and the deposit receipt duly discharged must be handed over to the branch.

Salaried

Self Employed

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