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Union Bank of India Debit Card
Demonetization has changed the face of Indian economy, it brought digitization and cashless transaction into prominence. Before the advent of mobile application for payments, plastic cards have enabled conducting cashless transactions. Debit cards and credit cards have been transitioning the economy for over past 2 decades. Debit cards are provided as part of the opening kit when the investor opens a savings or current account. Debit cards enable the cardholder to access the funds in the account from ATM. It also enables the cardholder to conduct cashless transactions both online and offline. Debit cards are issued by banks, typically in association with Visa or Mastercard. These cards can be used for online payments of utility bills, e-shopping etc.
About Union Bank of India Debit Card
- What is a Debit Card?
- Types of Debit Cards issued by Union Bank of India
- Advantages of Union Bank of India Debit Cards
- Charges applicable on Union Bank of India Debit Cards
- Features of Union Bank of India Debit Card
- How to apply for Union Bank of India debit card?
- Green PIN (Personal Identification Number)
- Frequently asked questions: Union Bank of India Debit Cards
What is a Debit Card?
Debit card is also called the plastic card, it is issued by the bank when the customer opens a savings or current account. The following activities can be conducted using the debit card –
- Avail banking services such as cash withdrawal,
- Balance enquiry,
- Value added services viz.
- Fund transfer,
- Mobile recharge,
- 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.
Types of Debit Cards issued by Union Bank of India
The various cards issued by Union Bank of India are –
- Classic Debit Card
- Silver Debit Card
- Gold Debit Card
- Platinum Debit Card
Classic Debit Card
Available in variants Visa / Mastercard and RuPay cards. The features are as mentioned below –
| Particulars | Visa / Mastercard | RuPay |
|---|---|---|
| Average quarterly balance | Nil | Less than Rs. 3,000/- |
| Daily withdrawal Limit – ATM | 25,000 | 25,000 |
| Daily shopping limit – PoS | 25,000 | 25,000 |
| Total daily limit | 50,000 | 50,000 |
Silver Debit Card
Issued by bank in alliance with Visa / Mastercard, below are the key features –
| Particulars | Visa / Mastercard |
|---|---|
| Average quarterly balance | Rs.3000 and above |
| Daily withdrawal Limit – ATM | 60,000 |
| Daily shopping limit – PoS | 60,000 |
| Total daily limit | 1,20,000 |
Gold Debit Card
Issued by bank in alliance with Visa / Mastercard, below are the key features –
| Particulars | Visa / Mastercard |
|---|---|
| Average quarterly balance | Rs.3000 and above |
| Daily withdrawal Limit – ATM | 60,000 |
| Daily shopping limit – PoS | 60,000 |
| Total daily limit | 1,20,000 |
Platinum Debit Card
Available in variants Visa / Mastercard and Rupay, key limits and features are as mentioned below –
| Particulars | Visa / Mastercard | RuPay |
|---|---|---|
| Average quarterly balance | Rs.3000 and above | Rs.3,000/- and above |
| Daily withdrawal Limit – ATM | 1,00,000 | 40,000 |
| Daily shopping limit – PoS | 1,00,000 | 60,000 |
| Total daily limit | 2,00,000 | 1,00,000 |
Advantages of Union Bank of India Debit Cards
There are some additional benefits that are derived by card holders, the same is as mentioned below –
- Lounge access program - Lounge access program allows 2 complimentary accesses per quarter to Rupay Platinum cardholders.
- Visa / Mastercard Commercial Offers – The offers are updated on the official website of Visa and Mastercard respectively.
Charges applicable on Union Bank of India Debit Cards
There are certain charges applicable on usage of debit cards. The same is detailed below –
| Service Charges (with effect from 01.11.2018) | |
| 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. 100 + GST | |
| Platinum – Rs. 125 + GST | |
| Signature – Rs. 150 + GST | |
| Business – Rs. 200 + GST | |
| Card Reissuance upon loss / damage etc. | Rs.100 + GST |
| Generation of physical debit card PIN dispatched to branch. | Rs.50 + GST |
| Cash withdrawal at another Bank’s ATM | |
| Beyond free transactions. | |
| 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 |
The charges may change from time-to-time, it is suggested that the customer views the updated data from the official website of the bank.
Features of Union Bank of India Debit Card
Below are the key features of 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.
How to apply for Union Bank of India debit card?
Debit card is automatically issued by the bank on opening a savings account with them. The account can be applied online or by visiting a nearby branch. The existing customer can upgrade his debit card by placing a request online or through mobile application. Alternatively, one can call the customer care to place a request for issuance of new debit card.
- Union Bank 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
- Customer can contact the nearest branch for add-on card or linking additional accounts
- Online debit card application facility is provided in Bank’s corporate website for the customers who does not have active card
Green PIN (Personal Identification Number)
The debit cards issued by Union Bank of India are enabled with Green PIN. This provides the unique four digit number which is held confidential under all circumstances. There is no requirement for request to be placed with the customer care for PIN generation. It can be done at any of the bank’s ATM by the client. The steps for PIN generation are as below –
- Go to bank’s ATM, insert debit card and select SET ATM GREENPIN option in language selection screen.
- Select GENERATE OTP option, the OTP will be sent to the registered mobile number.
- Again insert debit card and select SET ATM GREENPIN option, and then select VALIDATE OTP.
- Enter OTP which has been received on the registered mobile number.
- Enter NEW PIN two times.
- This is your new ATM PIN.
Frequently asked questions: Union Bank of India Debit Cards
(1) How can one hot-list the Union Bank of India debit card?
The customers can call up the customer support team to block or hotlist the debit card in case it is stolen or lost.
(2) How to apply for Union Bank of India debit card?
Debit card is automatically issued on opening savings or current account with the bank. For an upgrade on debit card or issuance of new debit card (incase of loss or spoilage), one can apply through the official website of the bank or by visiting the bank branch.
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