Card Details
Union Bank Visa Credit Card
This card is no longer accepting new applications.
Card Issuer
Union Bank of India
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Benefits
See the bank's official page for full lounge rules, milestones, and exclusions.
Things to Keep in Mind
The stated 20–50-day period is described as a free-credit period and should not be interpreted as interest-free if applicable payment conditions are not met.
The portal states a 3% monthly service charge on unpaid balances.
The bank reserves discretion over approval and credit limits.
Card insights
Monzy Score
3/ 10
Weak for Union Bank customers.
Union Bank no longer lists this card; we cannot confirm it is still offered.
Alternatives
If you spend…
Recommendation
Stay on Visa
Union Bank Visa Signature Credit CardLower fee
RuPay Platinum Credit CardShopping benefits
Union Unicorn Rupay Credit CardFrequently Asked Questions
It appears so, but the bank has not confirmed it. Its product page no longer loads, and Union Bank's current listing shows VISA Gold, Platinum and Signature cards instead.
Is the Union Bank Visa Credit Card still offered?
We cannot confirm that it is. This page covers the card Union Bank of India listed simply as "Visa Credit Card." When we checked in October 2026, its product page on Union Bank's site returned an error, and the bank's credit card listing no longer showed a card by that name. The Visa cards Union Bank does list are the VISA Gold, VISA Platinum and VISA Signature cards.
Union Bank has not published a notice that we could find saying the card was withdrawn, or when. So we are not giving a date. If you hold this card, it should keep working on its current terms until the bank tells you otherwise. If you want a new Union Bank Visa card, ask your branch which variant it issues today.
Searching "visa credit card" mostly returns Visa the network, not this card. Visa is a payment network used by many banks; this page is only about Union Bank's product.
What the card's terms said
Union Bank's records for this card were thin. What its card portal states:
- A free credit period of 20 to 50 days. This is not interest-free if you do not pay your full bill by the due date.
- A service charge of 3% a month on unpaid balances.
- Cards are issued against a minimum annual proven income, and the bank decides approval and the credit limit.
We do not have a confirmed fee or reward rate for this card, so we are not listing one.
If you still hold it
- Check your latest statement or the Union Credit Card app for your current fee and reward terms.
- Pay the full balance each month. At 3% a month, a carried balance gets expensive fast.
- If you want more from a Union Bank card, ask the bank about moving to one of its current cards rather than closing your account, so you keep your credit history.
Union Bank cards to look at instead
Reddit has no discussion of this exact card, so these are our picks from Union Bank's live range:
- Union Bank Visa Signature Credit Card: the Visa card Union Bank still lists, with a ₹1,999 annual fee.
- Union Bank RuPay Platinum Credit Card: a low-fee Union card at ₹350 a year.
- Union Unicorn RuPay Credit Card: Union's newer card, which users on r/CreditCardsIndia discuss for its shopping benefits against a ₹2,400 fee.
The bottom line
This looks like an older, basic Union Bank Visa card that the bank has stopped listing, but Union Bank has not said so outright. Existing holders do not need to act, beyond checking their terms. New applicants should pick from Union Bank's current cards.
Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva