Union Bank of India Debit Card

Union Bank of India Debit Cards

After demonetisation in india, Use of Union Bank of India Debit Card, Credit Cards, UPI payments, and online banking has increased significantly. Union Bank of India is well known Bank in India. Union Bank of India provide various services to its retail as well as corporate Bank customers. Union Bank of India Bank Account holders can avail services like Fund transfer, Bill Payment, Apply for a new Union Bank of India Debit Card, Apply for a new Union Bank of India Credit Card, open a new FD/RD account and book tickets and much more without paying any additional charges or fees provided that they have an internet connection and their mobile number is registered with the Union Bank of India.

Union Bank of India is one of the largest Indian government-owned banks of India with 120+ million customers and a total business of US$106 billion. After the amalgamation with Corporation Bank and Andhra Bank, which came into effect on 1 April 2020, the amalgamated entity becomes the fourth largest bank in terms of branch network. UBI now has around 9500 branches after the amalgamation. Four of these are overseas in Hong Kong, Dubai, Antwerp, and Sydney.

UBI also has representative offices at Shanghai, Beijing and Abu Dhabi. Lastly, UBI operates in the United Kingdom through its wholly owned subsidiary, Union Bank of India (UK). Union Bank of India was the anchor bank for both Andhra Bank and Corporation Bank, which came into effect on 1 April 2020 as announced by finance Minister of India Nirmala Sitharaman.

Union Bank of India offer a wide range of debit cards to their customers to choose.

What is a Debit Card?

Debit Card is an instrument that can be used to:

  • Avail banking services such as cash withdrawal, balance enquiry, Value added services viz. Fund transfer, Mobile recharge, tax payment etc., from ATMs round the clock.
  • Make payments to merchants though POS terminals and through online mode.
  • Debit cards are accepted at all the ATMs and merchant establishments across the globe displaying VISA/MasterCard/RuPay logo. Debit Cards can also be issued for domestic transactions alone. Debit Cards are issued only to Bank account holders. With increasing technology adoption Debit Cards can be used for many other purposes like access card, customer validation etc.

Why we should apply for Union Bank of India Debit Card?

Union Bank of India debit card come with a wide range of benefits for its bank customers. Using this Card, ATM Services and purchase facility at Point Of Sale (POS) Terminals can be availed by the Union Bank of India Card Holders. ATM Card holder of our Bank is also able to use ATMs of NFS and VISA member Bank

  • Balance Inquiry
  • Cash Withdrawal, Fast Cash
  • Mini Statement
  • PIN Change
  • Funds transfer (only among accounts linked to a card)
  • Cash/ Cheque Deposit in selected ATMs
  • Cheque Status Inquiry
  • Stop Payment of Cheques
  • Activation/ Deactivation of ATM Card for as Debit Card to use the same for payment through point of Sale and ecommerce transactions.
  • SMS Alert Registration/ Modification of SMS Alert Mobile Number
  • Mobile Banking Registration and De-registration
  • Aadhaar Seeding

How to apply for Union Bank of India Debit Card?

  • Union Bank of India of India issues Debit Card as part of ready the kit at the time of account opening and the cards get activated after its first use for withdrawal at ATM.
  • Existing account holders without Debit Cards can download and fill the form and submit it at the nearest branch to get a Debit Card.
  • Customer can contact the nearest branch for add-on card or linking additional accounts to the Debit card.
  • Online debit card application facility is provided in Bank’s corporate website for the customers who does not have active card.

Union Bank of India Debit Card Fees and charges?

Service Charges (with effect from 01.04.2020)
Charges for 1st year of usage Nil
Charges for subsequent year to be charges annually from the date of card issuance. For other than waived accounts as above.
Classic     – Rs. 125 + GST
Platinum  – Rs. 150 + GST
Signature – Rs. 200 + GST
Business   – Rs. 200 + GST
Card Reissuance upon loss / damage etc Rs. 100 + GST
Generation of physical debit card PIN despatched to branch. Rs. 50 + GST
Cash withdrawal at other Bank’s ATM Beyond free transactions as above.

Financial Transaction- 
Rs. 20/- + GST

Non Financial Transaction-
Rs. 8/- + GST

All International financial transactions:
Rs. 125 + GST

All International non financial transactions:
Rs. 35 + GST
Currency conversion charges for International financial transaction amount. 2.5 % of transaction amount

Union Bank of India Debit Card Transaction Limits

Account Tier Classification Card Variant
Classic Platinum
Average quarterly Balance Less than Rs.  3000/- Rs.3000 & above
Daily withdrawal limit –ATM 25,000/- 40,000/-
Daily shopping limit-PoS 25,000/- 60,000/-
Total Daily limit 50,000/- 1,00,000/-

Different types of Union Bank of India Debit Cards

Union Bank of India - Union Bank of India: offers different types of debit cards choose from the list given below based on your preference and charges and advantages you are getting with these Union Bank of India Debit Cards.

Account Tier Classification CARD VARIANT
Classic Platinum Business Platinum Signature
Average quarterly Balance / Account Balance Nil AQB of Rs.5000 and above or balance of Rs.15000 at the time of issuance of the card AQB of Rs1,00,000/- or  Balance of Rs.50,000 at the time of issuance of the card AQB of Rs1,00,000/- or Balance of Rs.40,000 at the time of issuance of the card
Daily withdrawal limit -ATM 25000/- 75000/- 1,00,000/- 1,00,000/-
Daily shopping limit-PoS 50000/- 150000/- 3,00,000/- 3,00,000/-
Total Daily limit 75000/- 225000/- 4,00,000/- 4,00,000/-

Union Bank of India Business Platinum Debit card

Union Bank of India Business Platinum Debit card on VISA platform is available for current account holders of our Bank under a) Individual b) proprietorship c) Partnership and d) HUF (Karta). It enables easy and anytime, anywhere access to cardholder’s own funds.

The following are the features of Union Bank of India Business Platinum Debit card:

Card features Specifications
*Average quarterly Balance to be maintained Rs. 1 lac and above
Daily withdrawal limit –ATM Rs. 50,000
Daily shopping limit-PoS and online Rs. 2 lacs
Total Daily limit Rs. 2.5 lacs
*Issuance fee free
Insurance amount Accidental death insurance of Rs.2 lacs will be applicable to each partner to whom debit card will be issued.

*Union Bank of India Business Platinum Debit card shall be issued only to those current account holders who maintain AQB of Rs.1 lac and above

Addition Required
Yearly charges of Rs 500.00 plus GST shall be levied to the card holder for non-maintenance of AQB of Rs 1 lakhs from the next quarter.

Other benefits of Business Debit card given by VISA to card holders:

a)Lounge access program
Visa lounge access program allows 2 complimentary accesses per quarter to Business Platinum cardholders

b)Visa Commercial Offers
Visa has a suite of exciting and relevant offers that make doing business more rewarding with Visa Business Cards. The offers are spanned across categories like Accommodation, Business Travel, Business Services, Car rental, Office Spaces, etc. Discount varies from 15% to 25 % depending on the services availed by the card holder.

Union Bank of India Contactless Debit Card

Tired of waiting in queue at retail outlets for your small purchases? Try our Union Bank Contactless Debit Card for payments below ₹ 2000/- and save your time. To delight you more, we have waived the average quarterly balance requirement to avail it.

Classification VISA Paywave (Contactless)
Average quarterly Balance Not Applicable
Daily cash withdrawal limit – ATM Rs. 25,000/-
Daily shopping limit-PoS & internet Rs. 25,000/-
Total Daily limit Rs. 50,000/-
Per transaction limit for contactless mode Rs. 2,000/-
Per day max. limit for contactless mode transactions Rs. 5,000/-
Per day Max. number of contactless transactions per day 5
Issuance Charges Rs. 150/- plus GST
Accidental insurance covered Rs. 2,00,000/-

Benefits of holding Union Bank of India Debit Card

  • Green PIN Facility (No PIN mailer is required).
  • Multiple account access - Customer can access up to three accounts linked to a single cards.
  • Add-on cards are issued in case of Joint Accounts.
  • Secure online transactions are available through Usecure registration.
  • Cash withdrawals are possible at specified merchant locations.
  • Free Insurance is available against accidental death.
  • 24X7 access to Call Centre to hotlist the debit card.
  • Customer can also hotlist their debit card through SMS, Mobile Banking and Internet Banking facility.
  • Annual charges are waived in BSBDA/BSBDS accounts and also in accounts where the account holder does 40 POS/E-comm transactions in previous year.
  • For other Saving accounts, all the transactions done at other Bank ATMs will be charged.
  • There is no admission charge on processing charge on the debit card. The card will be absolutely free of cost for the first year, and from the second year onwards a small amount of Rs. 75 will be charged as a service charge.
  • Usually the debit card issues by the bank is valid for 5 years from the month of issue of the card.
  • You can use your debit card to avail various services like withdrawing cash, paying bill, online shoping, booking a ticket and to purchase fuel at petrol pumps etc.
  • These cards are accepted all over india, infact some are accepted internationally as well..
  • You can enjoy various discount and offers run by various online shopping website.

Union Bank of India Debit Cards FAQs

⭐Q. What is eligibility to apply for Union Bank of India Debit Card?

To apply for Union Bank of India Debit Card user should have saving account or current account in Union Bank of India and should be above 18 years of age.

⭐Q. Can i use Union Bank of India Debit Card at other Bank ATM?

Yes you can use Union Bank of India Debit Card at other Bank ATM Machine

⭐Q. How to can i activate Union Bank of India Debit Card?

To activate Union Bank of India ATM / Debit card just visit nearest Union Bank of India ATM and follow the instructions to activate the card

⭐Q. What to do if Union Bank of India Debit Card is lost?

If your Union Bank of India Debit Card is lost simply block your card by calling Union Bank of India customer care or tollfree number or by visting nearest Union Bank of India branch.

⭐Q. What is the fee charge by Union Bank of India for issuing a Debit Card?

Generally bank doesn't charge any fee for issuing a debit card or atm card for the first time. But incase your card is lost or damaged then for issueing another card they charge a nominal fee ranging between Rs. 100 to 250 which vary from bank to bank.

⭐Q. What all you can do with Union Bank of India ATM / Debit Card?

With the help of Union Bank of India ATM card you can register for Union Bank of India Net Banking online and also you can reset Union Bank of India Net Banking Password online at any given point of time.