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Union Bank of India Credit Cards

Top-5 PSU bank (post-Andhra Bank + Corporation Bank merger 2020); credit-card business focuses on the bank's existing retail + government-employee base.

Updated May 2026● Methodology disclosed
What Union Bank does well

Union Bank credit cards target government-employee, PSU-pay-scale, and existing Union Bank salary customers — preferential approval terms for these categories.

Union Bank of India became one of India's top-5 PSU banks after the 2020 merger with Andhra Bank and Corporation Bank. The credit-card line (Union RuPay Classic, Platinum, Select, World Mastercard) is conservatively positioned, with reward rates trailing private-sector peers. Union Bank's strength is its central + state-government employee customer base, where credit-card application processing is significantly simpler.

All Union Bank credit cards

Every Union Bank of India card we track, ordered by editorial rating. Each entry links to the full review with reward-rate breakdown, fees, and our verdict.

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Union Bank support

Customer care numbers

24×7 credit card
1800 22 22 44 / 1800 208 2244 (toll-free)
Lost / stolen card
1800 22 22 44 (option 2)
Fraud reporting
customercare@unionbankofindia.bank / 1800 22 22 44
Email
customercare@unionbankofindia.bank
NRI helpline
+91 80 2530 0175

Numbers and links sourced directly from Union Bank of India's public help pages. Union Bank may update contact options without notice — verify on the bank's website before any financially sensitive action.

Frequently asked questions

What's the minimum salary for a Union Bank credit card?
Union RuPay Classic accepts ₹15,000-20,000/month — among the lower PSU CC minimums. Platinum needs ₹25-30K; Select needs ₹40-50K; World Mastercard needs ₹75K+/month. Central + state government employees often receive preferential underwriting terms.
Are legacy Andhra Bank + Corporation Bank credit cards still serviced?
Andhra Bank and Corporation Bank merged into Union Bank of India in April 2020. Legacy cards were re-branded as Union Bank credit cards over a transition window. All current servicing flows through Union Bank's customer-care infrastructure. Old IFSC codes have been mapped to Union Bank equivalents.
Where can I pay my Union Bank credit card bill from a non-Union-Bank account?
Use NEFT/IMPS to beneficiary 'Union Bank Credit Card' with account 'YOUR 16-DIGIT CARD NUMBER' at IFSC UBIN0801674. Alternatively, use UPI to handle unioncc.<card-no>@unionbank or pay via BillDesk on the Union Bank credit-card portal.
RBI regulatory notice

Regulated by Reserve Bank of India.

Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.

Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.

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Methodology disclosed
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