CREDIT CARD AND MERCHANT ACQUIRING BUSINESS DEPARTMENT::HYDERABAD

Credit Cards FAQs:

CATEGORY INTENT S No. QUESTION ANSWER
Min. Payment Due ( MPD ) / Roll 5% of Outstanding balance + unpaid ‘MPD’ of previous month + EMI
1
Over Facility billed
Service charges for VISA card if visit our online portal https://unioncards.unionbankofindia.co.in/
2
MPD is paid
Service charges for VISA card if visit our online portal https://unioncards.unionbankofindia.co.in/
3
MPD is not paid
Service charges for RUPAY card if visit our online portal https://unioncards.unionbankofindia.co.in/
4
MPD is paid
Service charges for RUPAY card if visit our online portal https://unioncards.unionbankofindia.co.in/
INFORMATION 5
MPD is not paid
ON CHARGES CREDIT CARD
6 What are Late Payment Charges LPC will be levied if payment is received after due date
TO CHARGES
CARDHOLDERS Late Payment Charges for visit our online portal https://unioncards.unionbankofindia.co.in/
7
Outstanding < Rs.25,000
Late Payment Charges for visit our online portal https://unioncards.unionbankofindia.co.in/
8
Outstanding more than Rs.25000/-
Lost card charges for all card visit our online portal https://unioncards.unionbankofindia.co.in/
9
variants
Mark up Fee for Credit Card visit our online portal https://unioncards.unionbankofindia.co.in/
10
International Transactions
Hot listing charges for all the card visit our online portal https://unioncards.unionbankofindia.co.in/
11
variants

1
 Temporary enhancement charges visit our online portal https://unioncards.unionbankofindia.co.in/
12
for all the card variants
13 Fuel surcharge Reversal visit our online portal https://unioncards.unionbankofindia.co.in/
TRANSACTION 30 DAYS FROM THE DATE OF TAKING UP DISPUTE WITH THE
14 Credit Card - Dispute Process Time
COMPLAINT - ACQUIRING BANK
VISA / ANY DISPUTE IS TO BE REPORTED IMMEDIATELY. MAXIMUM TIME
MASTER / 15 Credit Card Transaction dispute ALLOWED FOR REGISTERING DISPUTE WITH ACQUIRING BANK IS 60
RUPAY DAYS FROM THE DATE OF TRANSACTION.
Visit our Internet Banking / Umobile APP/UNION CREDIT CARD
All transactions done through MOBILE APP / ONLINE PORTAL
16
credit card https://unioncards.unionbankofindia.co.in/ for the transaction
details.
Visit our Internet Banking / Umobile APP/UNION CREDIT CARD
17 Credit Card Available Limit MOBILE APP / ONLINE PORTAL
https://unioncards.unionbankofindia.co.in/ for the Limits.
VALUE ADDED Visit our Internet Banking / Umobile APP/UNION CREDIT CARD
SERVICES - TRANSACTION Credit Card Last Transaction MOBILE APP / ONLINE PORTAL
18
TRANSACTION ENQUIRY Details https://unioncards.unionbankofindia.co.in/ for the transaction
RELATED details.
Visit our Umobile APP/UNION CREDIT CARD MOBILE APP / ONLINE
19 Credit Card Unbill transaction PORTAL https://unioncards.unionbankofindia.co.in/ for the
transaction details.
Visit our Internet Banking / Umobile APP/ UNION CREDIT CARD
MOBILE APP / ONLINE PORTAL
20 Credit Card Cash Available Limit
https://unioncards.unionbankofindia.co.in/ / check in ATM - Balance
Enquiry option
create a virtual card in our UNION CREDIT CARD MOBILE APP /
21 Credit Card - Create Virtual card ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
VIRTUAL CARD The limit can be set for your virtual card in our UNION CREDIT CARD
Credit Card - Set limit Virtual
22 MOBILE APP / ONLINE PORTAL
card
https://unioncards.unionbankofindia.co.in/

2
 request for EMI in our Umobile App / UNION CREDIT CARD MOBILE
APP / ONLINE PORTAL https://unioncards.unionbankofindia.co.in/or
23 Credit Card EMI Creating Request Customer should either call @ 1800 425 1515 from his/her registered
mobile number within 30 days of transaction only.
Credit Card Minimum transaction Merchant transaction of INR 5000 is eligible for EMI facility.
amount eligible for availing EMI
24
facility (Merchant Transactions
only)
Credit Card Number of possible 3 / 6 / 9 / 12 months
25
EMIs
All the eligible cardholders will receive a SMS after the settlement of
26 Credit Card EMI ELIGIBILITY
Transaction.
CREDIT CARD To be calculated and charged at 2% of Transaction amount, with a
27 Credit Card EMI Processing Fee Minimum of Rs. 200/- and a Maximum of Rs.1000/-
EMI OPTION
FOR SETTLED 28 Credit Card EMI Rate of Interest 16% per annum on reducing balances
TRANSACTION Merchant Category Code (MCC) All transactions except Cash Withdrawal through ATM, Fuel purchase
29 eligible for EMI option to credit (Petrol/Diesel) Transactions at Bars, Jewellery Purchase are eligible
card holder for conversion to EMI.
request for EMI cancellation through UNION CREDIT CARD MOBILE APP
Credit Card EMI Cancellation
30 / ONLINE PORTAL
Request
https://unioncards.unionbankofindia.co.in/Umobile
Credit Card EMI Conversion view EMI conversion information through UNION CREDIT CARD MOBILE
31 APP / ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
Information
Credit Card EMI Pre-Closure 2% of the outstanding amount under EMI still not due.
32
Charges
You can opt for standing instructions through our U MOBILE app or
Credit Card Standing instruction
33 mail to [email protected] from your registered
request
Email ID.
You can enable/disable through Umobile / UNION CREDIT CARD
CREDIT CARD Credit Card International Flag
34 MOBILE APP / ONLINE PORTAL
APP / PORTAL Enabling / Disabling
https://unioncards.unionbankofindia.co.in/

3
 OPTION IS AVAILABLE IN THE LOGIN PAGE OF THE CREDIT CARD
35 Credit Card Unlock user id ONLINE PORTAL https://unioncards.unionbankofindia.co.in/ FOR
UNLOCKING YOUR USER ACCOUNT
You can view Statement of Credit Card through our Internet Banking
36 Statement of account / Umobile / UNION CREDIT CARD MOBILE APP / ONLINE PORTAL
https://unioncards.unionbankofindia.co.in/
set / reset your Credit Card PIN Number through Internet Banking /
37 Pin reset UNION CREDIT CARD MOBILE APP / ONLINE PORTAL
https://unioncards.unionbankofindia.co.in/
You need to send a mail to [email protected]
Change in Mobile number/ Email
38 through your registered Email ID. If registered mail id not available
ID - updation (or) Modification
visit your home branch
You need to send a mail to [email protected]
Email ID for receiving monthly E-
39 through your registered Email ID, if registered mail id is not
bills / E-statements
available, visit your home branch
PROFILE UPDATION THROUGH You need to send a mail to [email protected]
40 Return Card redispatch from your registered Email ID or visit your home branch
DIFFERENT DELIVERY
CHANNELS You need to send a mail to [email protected]
41 Card replacement through your registered Email ID or through Union Credit Card app or
visit your home branch
send a mail to [email protected] through your
registered Email ID or visit your home branch or visit your home
42 Limit Enhancement
branch with required documents like income proof, ITR, Latest Salary
Slips etc.
send a mail to [email protected] through
43 NPA credit cards your registered Email ID or visit your home branch
One Time Settlement of credit Your request to be routed through your home branch for one time
CREDIT CARD PAYMENT FOR 44
cards settlement (OTS) OFFER.
SETTLEMENT
send a mail to [email protected] through
45 Cibil masking of credit cards your registered Email ID or approach your home branch for CIBIL
MASKING OFFER AMOUNT

4
 Approach any branch of the Bank
PREPAID CARD 46 Gift Card / Travel card

ACCIDENTAL 47 Insurance validity period JANUARY 1 to DECEMBER 31 of succeeding year

INSURANCE visit our online portal https://unioncards.unionbankofindia.co.in/
COVERAGE 48 Insurance Charges
49 CASH ADVANCE CHARGES visit our online portal https://unioncards.unionbankofindia.co.in/
Cash Advance Limit for Uni Carbon visit our online portal https://unioncards.unionbankofindia.co.in/
50
CREDIT CARD
INFO ON CASH
Cash Advance Limit for VISA GOLD visit our online portal https://unioncards.unionbankofindia.co.in/
WITHDRAWAL 51
CREDIT CARD
FROM ATM
WITH CREDIT Cash Advance Limit for VISA visit our online portal https://unioncards.unionbankofindia.co.in/
52
CARD PLATINUM CREDIT CARD
Cash Advance Limit for VISA visit our online portal https://unioncards.unionbankofindia.co.in/
53 SIGNATURE / RUPAY SELECT
CREDIT CARD
CREDIT CARD CREDIT CARD SMS REQUEST 7836884400
54
SERVICES NUMBER
Mobile Number linked with the Credit Card is called REGISTERED
55 REGISTERED MOBILE NUMBER
MOBILE NUMBER (RMN)
SEND SMS FROM REGISTERED MOBILE NUMBER AS
56 Credit card Activation CARDACKW<SPACE>XXXX, WHERE XXXX IS LAST 4 DIGITS OF CREDIT
CARD NUMBER TO 7836884400
CREDIT CARD SEND SMS FROM REGISTERED MOBILE NUMBER AS
SMS REQUESTS 57 Card block CARDLOST<SPACE>XXXX, WHERE XXXX IS LAST 4 DIGITS OF CREDIT
CARD NUMBER TO 7836884400
SEND SMS FROM REGISTERED MOBILE NUMBER AS
58 LOST CARD REPLACEMENT LOSTREPL<SPACE>XXXX, WHERE XXXX IS LAST 4 DIGITS OF CREDIT
CARD NUMBER TO 7836884400
SEND SMS FROM REGISTERED MOBILE NUMBER AS
Insurance deactivation for
59 INSFLGDB<SPACE>XXXX, WHERE XXXX IS LAST 4 DIGITS OF CREDIT
succeeding year
CARD NUMBER TO 7836884400

5
 SEND SMS FROM REGISTERED MOBILE NUMBER AS
60 International Flag Disabling INTLDSBL<SPACE>XXXX, WHERE XXXX IS LAST 4 DIGITS OF CREDIT
CARD NUMBER TO 7836884400
SEND SMS FROM REGISTERED MOBILE NUMBER AS
61 Credit card customer ID GETCUSTID<SPACE>XXXX, WHERE XXXX IS LAST 4 DIGITS OF CREDIT
CARD NUMBER TO 7836884400
SEND SMS FROM REGISTERED MOBILE NUMBER AS
62 Available Amount Enquiry BALENQRY<SPACE>XXXX, WHERE XXXX IS LAST 4 DIGITS OF CREDIT
CARD NUMBER TO 7836884400
Redemption of rewards can be made through Union Rewards portal
CASH BACK 63 Reward Points Redemption https://www.unionrewardz.com
Auto Debit payment option saves you from the effort of remembering
your payment due date every month towards the payment of your
Credit Card dues. You need to submit the standing instructions form
Auto-Debit Facility through
64 at branch to deduct the amount directly from your Operative
Standing Instructions
savings/current account every month and your Card Account will be
credited. Please ensure to keep sufficient balance in the account for
transferring funds on due date.
Please visit our Union Bank of India branches to pay through cash or
65 Cash Payment cheque to debit their Accounts which may take upto 2 to 3 working
days for updation of amount in credit cards.
Beneficiary Account Number : Use 16 digit Credit Card Number
Credit card Payment through NEFT Beneficiary IFSC : UBIN0807826
66 The transaction done through NEFT, funds will be credited to your
/ IMPS
card with in 24 hrs on scheduled basis automatically.
Billdesk is a payment gateway for accepting credit card payments.
Link of the same is also available our website
67 BILL DESK https://unioncards.unionbankofindia.co.in/ under credit card menu -
click to pay drop down. It will take upto 3 working days for
processing the credit to your card
Credit Card 68 CREDIT CARD BILLING DATE 25TH OF EVERY MONTH
Bill Payments 69 CREDIT CARD DUE DATE 20 DAYS FROM BILLING DATE i.e. 14 th or 15 th of succeeding month

6
CREDIT CARD You need to send mail to [email protected]
Registered Mobile Number through registered mail id by providing the valid address proof
COMMUNICATI 70
updation/ Address updation
ON ADDRESS
Do's

Update your Communication address, Phone numbers and Mobile

numbers, E-mail Id for prompt delivery of Bills and other
communications.
Register your Mobile numbers for SMS alerts
Ensure that your EMV credit card is swiped/tapped in your presence
to avoid frauds
Pay your bill Amount on or before due date to avoid Late Payment
fees
Pay at least Minimum Payment Due (MPD) by due date to continue
further usage of card
In case of any difficulty in payment, Please call our Help Desk
In case of Loss of Card please block the card immediately Use only
71 CREDIT CARD - DO's and Dont's
Secured Website for Online shopping
Read our MITC (Most Important Terms and Conditions) for details &
fees

Dont's

Do Not Share your Credit Card Number, CVV and PIN with anyone
Do Not Disclose your credit card details through E-mail whatever may
be the urgency.
Do Not Handover your card to any one
Do Not Stop paying your Minimum dues.
CREDIT CARD Do Not Default on payment. Your details with default particulars will
- DO's and be intimated to Credit Information companies.
Dont's
OTHERS 72 Free Credit Period 21 to 50 days depending up on the date of purchase and billing date

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 Age criteria for applying of UNION 18-70 years
73
BANK OF INDIA CREDIT CARD
CREDIT Card validity period in 4 years from the date of issuance / renewal / conversion
case of newly issued card /
74
renewal / converted to other card
variants
Card expiry for replaced CREDIT expiry date will be similar to the original card due date
75
CARD
76 Compatibility of credit card All credit cards are compatible for POS, ATM, Internet, Contactless
In case of loss of credit card, The credit card should be immediately
blocked for all transactions to prevent card misuse. Any fraudulent
77 Lost Card Insurance
transaction up to 1.50 lacs after reporting the loss will be covered by
the Bank.
Annual Subscription waived in the visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
first year and not levied for VISA
78
SIGNATURE CREDIT CARDS if usage
in the previous year
Annual Subscription waived in the visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
first year and not levied for VISA
79
GOLD CREDIT CARDS if usage in
the previous year
Annual Subscription waived in the visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
first year and not levied for RUPAY
80
PLATINUM CREDIT CARDS if usage
in the previous year
Annual Subscription waived in the visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
first year and not levied for VISA
81
PLATINUM CREDIT CARDS if usage
in the previous year
ANNUAL Annual Subscription waived in the visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
MEMBERSHIP first year and not levied for RUPAY
82
FOR CREDIT SELECT CREDIT CARDS if usage in
CARDS the previous year

8
 Joining Fee for Uni Carbon Credit visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
83
Card
Annual Subscription Rupay visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
84
Platinum - Main card
Annual Subscription for Rupay visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
85
Platinum - add on card
Annual Subscription Rupay Select - visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
86
Main card
Annual Subscription for Rupay visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
87
Select - add on card
Annual Subscription VISA Platinum visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
88
- Main card
Annual Subscription for VISA visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
89
Platinum - add on card
Annual Subscription VISA GOLD- visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
90
Main card
Annual Subscription for VISA GOLD visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
91
- add on card
Annual Subscription VISA visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
92
SIGNATURE - Main card
Annual Subscription for VISA visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
93
SIGNATURE - add on card
Please refer the link for more details.
94 VISA Lounge Access & Offers https://www.visa.co.in/pay-with-visa/visa-offers-and-perks.html
LOUNGE Please refer the link for more details -
95 RUPAY Lounge Access & Offers
FACILITY https://www.rupay.co.in/lounges
The add-on card enables your family members to avail all the
benefits and features applicable on the primary card. The Points
96 Add on credit card earned on the add-on cards will be clubbed with those of the primary
ADD ON card and can be redeemed as per the bank policy in force. Maximum
CREDIT CARD three cards can be given as add on cards
Unicarbon 97 Welcome Benefits visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/

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 Card 98 Rewards program visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
99 Cash Back Benefits visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
100 Fuel Surcharge waiver visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
101 Milestone rewards visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
102 Reward point Redemption visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
103 Accidental Insurance coverage visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
104 Contactless card visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
Joining Fee for Union Wellness visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
105
Card
106 Welcome Benefits visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
Wellness Card visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
107 Rewards program
108 Annual Fees visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/
109 Accidental Insurance coverage visit our ONLINE PORTAL https://unioncards.unionbankofindia.co.in/

SNO QUESTION ANSWER

• Cards are issued to customers and also to Non-customers on selective
basis.
• Primary card holder should be in the age bracket of 18 years to 70
years.
• Add-on card holder should be 18 years and above.
• Income Eligibility is Rs 1.80 lacs per Annum.
1 What are the Eligibility criteria to apply for Union Bank Credit Card? • For Non salaried - 2 years Income Tax Returns with computation sheets
• For Salaried class Form 16 / ITRs with latest Salary slip.
Cibil >=700 and -1
• Cards are also issued against lien on Deposit with 25% margin without
insisting for Income Proof & Scoring Model. The above eligibility criteria
are only indicative. The Bank reserves the right to approve or decline
applications for Credit Card.

10
 Customer having Fixed Deposit in UBI can apply for UBI credit card and 75% of
Can a customer apply for Union Bank of India credit card if he has a the deposit amount will be sanctioned as card limit and lien will be marked on
2 the deposit.The customers who availed housing loan above 10 lakhs and the
Fixed Deposit or Loan relationship with Union Bank of India?
loans are in performing status can also apply through their loan account branch.

• Application for credit card with complete information

What are the documents to be submitted along with credit card • Two Passport size Color Photographs
3
application? • Latest Income Tax Returns for 2 years / Form 16 / Salary Slip
• Valid Proof of address, Valid ID Proof, Pan Copy as per KYC norms
Up on submission of completed application with all valid enclosures it will be
4 How much time will it take to approve the card? processed and dispatched within 7 working days subject to fulfilling the
eligibility criteria.
20% of the Gross income as per ITR/Form16 or 75% of the Term Deposit (
5 What will be the credit limit for the card? Term deposit should be min Rs. 20,000 auto renewable for minimum four
years)
Up on receipt of the card the card holder can request for card activation
through various methods namely,
By sending SMS from registered mobile number only to 7836884400 as
(CARDACKW <space> XXXX where XXXX denotes last four digit of the card
number).
6 How to activate the credit card? By calling our 24 * 7 toll free 1800 425 1515.
By registering in our credit card online portal through the link
https://unioncards.unionbankofindia.co.in/
The card holder can start using the card up on receipt of successful activation
SMS from the bank.
Card Holder can generate PIN for his credit card using
https://unioncards.unionbankofindia.co.in/portal/greenPinGen.jsp
7 How to obtain / generate PIN for the credit card?
PIN can also be generated through our credit card mobile app and Umobile app
up on successful registration.
8 From where can a customer get the application form? visit our PORTAL https://unioncards.unionbankofindia.co.in/

11
Mobile Application:

INTENT /
S No
CATEGORY
QUESTION ANSWER
Device Hard Bind –This is where customer mobile hard bind with customer mobile Number as well as Credit card Acco
No.

CREDIT CARD To Hard Bind customer device, Unique value send from SMS to Union Bank server to Authenticate device and user mo
MOBILE APP number. Once authentication completed than only the Register user can login to his/her Credit Card Account.
SECURITY
FEATURE For first time user if he/she not register with Union Credit Card Mobile App. After device hard Bind he/she have to
SignUp once and create userid and password for next time login.
If he/she already registered with web portal or mobile app, no need to signup again can use same userid and passwo
for next login.
1
Welcome screen Users who are already registered in Credit Card portal can use Login link to directly login to Mobile App.
of credit card
2 mobile app
UNION CREDIT
CARD MOBILE User Name –Would be the one which the user has selected at the time of registration.
APPLICATION Login with User Password – The secret key only known to the registered user.
FEATURES name and Forgot Username – Option to retrieve forgotten username
Password into Forgot Password – Option to retrieve forgotten password
credit card Sign Up –The user who is not registered already will have to use this by clicking the Sign up link and following
mobile app registration instructions.
3

- [0-9] a digit must occur at least once.

- [a-z] a lower case letter must occur at least once.
Password Policy - [A-Z] an upper case letter must occur at least once.
of credit card - [@#$*!^] a special character must occur at least once.
mobile app - No whitespace allowed in the entire string.
- At least 8 characters max 12 characters

12
 Register for User can use signup option to register on credit card application in case he doesn’t have account on
credit card portal/mobile application and has valid Union Bank Credit card.
5 mobile app
Forgot Password Through this option, in case a user forgets his password, he would be able to retrieve the password by entering
of credit card his card details and identifying himself as the holder of the card.
6 mobile app
Forgot Username Through this option, in case a user forgets his user Id, he would be able to retrieve the User Name by
of credit card entering his card details and identifying himself as the holder of the card.
7 mobile app
Set MPIN and Through this option, user can set 4 digit numeric pin to login to his account.
Login with MPIN Instead of using username and password, User can use this 4 digit pin to login to the mobile application.
into credit card Forgot mpin option can be used in case user forgets 4 digit mpin.
8 mobile app

This is the dashboard of the App, which shows all the features available in App
The Account summary option provides the basic information of the account of the credit card user
View Statement provides access to see latest and past statements
App dashboard of Transaction details show unbilled transactions along with option to view last 10/20/30 day’s transactions.
credit card Using Card Control option user can enable/disable international, ECOM,POS,ATM Transactions and set temporary
mobile app spending limits.
PIN Generation the user can generate the card pin for the cards issued
Manage card option enable the user to register/deregister the card
Service Request can be used to raise and track service requests

9
control page of This is the control page for the application, the card holder would be able to view and control important and
credit card quick links towards accessing the mobile application.
10 mobile app
Account This is an account summary page where card holder would be able to view elaborated details of his card profile,
Summary of summary of his account including statement summary and reward balances for the selected card.
credit card
11 mobile app
View Monthly Using Latest Statement option, customer can view and download latest statement for the selected credit card.
Credit card Customer can also view transaction details on the latest statement.
statements in
12 credit card

13
 mobile app

Past Credit card Using Past Statement option, customers can view and download past 6 months statements.
Monthly
Statements in
credit card
13 mobile app
Transaction Using this option, customer can view unbilled transactions and last 10/20/30 day’s transactions.
Details in Credit
14 card mobile app
Card control provides various features such as:

• Enable/disable International transactions

• Enable/disable POS transactions
credit card • Enable/disable ATM transactions
control features • Enable/disable online transactions
in Credit card • Temporary Card Block / Unblock
mobile app • Set temporary spending limits

15
credit card pin Using this option customer can generate online PIN for registered cards.
reset in Credit
16 card mobile app
Using this option, the customers can:
link / delink • Register new primary /add on card
cards in Credit • De-register hot listed or blocked card
card mobile app • Activate New Card
17

14
 Customers can use this option to track status of Service Request.
Customer can also raise following types of service requests for:
Service • Replacement of card
Requests in • Duplicate Statement
Credit card • Hot listing of card.
mobile app • EMI Creation

18
credit card bill At the bottom of the welcome screen, there are 4 tabs:
payment links in Payment: This option can be used to pay credit card bills using Union Bank Internet banking or using bill desk.
Credit card T&C: This shows terms and conditions with respect to credit card.
19 mobile app
change password Through this option the customer would be able to change his password and set the password of his choice
in Credit card following password policy mentioned on change password form.
20 mobile app
Virtual Card In Virtual Card screen, user can create virtual card from physical card for safe and secure transaction over
creation in Credit internet without revealing your physical card details
21 card mobile app
Registration Available for Android Mobile and iOS mobiles
22 process
23 How to register Install the application on your mobile handset from Google Play Store for Android Mobile and Apple store for iOS
which OS mobiles. Currently not available for Windows phones
24 supported
UNION CREDIT
is available in
CARD MOBILE
25 windows Phone
APPLICATION
REGISTRATION I have two SIMs SIM selection will be available in case of dual SIMs for android 5.1 & above. User has to select the Mobile
26 will it work Number registered for SMS alert with the Bank.
Are there any There are no charges for using mobile banking services.
charges for using
mobile banking
27 services?

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Corporate Card:

SNO QUESTION ANSWER

Bank issues "Corporate Credit Card" to companies having good track record with net worth of
What is Corporate Card/Eligibility to obtain minimum of Rs.1.00 Crore and consistent profits for the last three years. These cards are to be
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Corporate Card issued to the Company executives as add on cards to the primary corporate card and in the name
of company executives.

What are the Minimum limits of the Corporate Credit

2 Minimum card limit of INR 1 Lakh
Card
What is the Maximum limit can be given to a
3 Maximum of Rs.5 Crore or 25% of the Net worth whichever is less.
Company
Admin Fees - Rs.1,500/- once in life time and Annual Subscription Rs.2,000/- PA, Subject to
4 Any charges for issuing Corporate Cards
Revision from time to time.
5 Where to apply for Corporate Cards Their Home Branch where the limits are available to the corporate

Competent Authority shall review the financials of the Company, the latest net worth and other
6 Renewal Of corporate Cards
eligibilities and consider the limit based on past performance of each card

7 Corporate Card Application visit our web site.

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