The Bengal Central Bank Limited was established in the year 1918. In the year 1950, Comilla Banking Corporation Limited, Comilla Union Bank Limited, and the Hoogly Bank merged with Bengal Central Bank Limited. On merger the name of the bank was changed to United Bank of India. Cuttack Bank Limited, Tezpur Industrial Bank Limited, Hindustan Mercantile Limited, and Narang Bank merged with the United Bank of India subsequently. The Head Office of the Bank is at Kolkata. United Bank of India is one of the 14 banks that were nationalised in the year 1969.
Over the years the Bank has won many accolades and recognition for their contribution under various areas of performance. They offer a wide range of banking products and services under several schemes and credit cards are one among the many popular products of the Bank. At present, the credit cards are issued in association with the National Payment Corporation of India (NPCI). However, the bank proposes to issue cards in association with Visa and Mastercard in the near future.
Also Check: Cibil Score for Credit Card
The United Bank of India is now issuing Rupay Credit Cards in association with National Payment Corporation of India (NPCI) and the Bank proposes to issue Visa and Mastercard credit cards in the near future.
The two variants of the Rupay Credit Card are:
The following are the special benefits for Rupay Cardholders
Dining and Food Orders
The above are just a few offers mentioned. There are a host of offers from over 300 merchant establishments for Rupay cardholders.
Details of Rewards of United Bank of India Credit Cards are as given below:
One reward point will be given for every 100/- spent. The minimum spends for accrual of reward points is 100/-. The redemption of the reward points is permitted only on the accumulation of a minimum of 500 points and in multiples of 100. The points accumulated will expire if not redeemed within one year. There is no provision to carry over the accumulated reward points for the next year.
100 reward points earned will be equal to 20/-. On spends of 2.00 lakhs in a year, an additional 1000 reward points will be given. Further 1000 reward points will be given if the annual spend exceeds 3.00 lakhs.
The EMI amount that is included in the bill and fuel purchases will not earn any reward points. Points will be given only for the transactions that are successful. In the case of refund on account of any unsuccessful transaction, the reward points added for the particular transaction will be reversed. If the outstanding payment of the card dues is 30 days past due, then the cardholder will not qualify for the reward points. The reward points can be redeemed through the redemption portal or the Mobile app of the Bank.
United Bank of India Credit Card Fee Details
The following are the charges for United Bank of India Credit Cards:
|Name of the Charge||Amount|
|Finance charges on the revolving facility||2.5%|
|Charges for cash withdrawal||2.5% of the amount|
|Cash withdrawal limit||20% of the credit limit|
|Charges for cash withdrawal at ATMs||2.5% of the transaction amount or 300 whichever is higher.|
|Finance charges for cash withdrawal||2.5% from the date of withdrawal|
|Delayed payment charges||590/-|
|Over limit charges||100/- per instance|
|Cheque bounce charges||260/- per instrument|
|Dishonour of ECS/Auto debit||100/- per instance|
|Card replacement fee||500/-|
To apply for the card through the Bank you can download the application from the UBI Website or the UBI App. You can also obtain the application form from the nearest United Bank of India branches.
On obtaining the application you will have to fill in the required details and submit the application with the required KYC and other related documents like the latest salary slip, form 16 and IT Returns.
The Status of the application will be updated through SMS to the registered mobile number.
A digital platform is provided by MyMoneyMantra which has to be used to apply for the credit card.
The following eligibility criteria have to be complied with to qualify for United
Bank of India Credit Card.
The following documents are required for United Bank of India Credit Card.
If you are a customer of United Bank of India you can make the credit card payment as follows:
All other customers can make the payment in the following ways:
If you have any queries and complaints in respect of the United Bank Credit Cards you can contact their credit card customer care on the following number
Additional Reading: Check Credit Bureau of India
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To apply for United Bank of India Credit Card, you will have to either download an application from the official website of the Bank or the Mobile app of the Bank, fill up the relevant details and submit it to the nearest branch of UBI along with the required documents.
You can also visit the nearest branches to get the credit card application and submit the same on duly filling and signing along with the required documents.
The status of the application will be intimated through SMS to your registered mobile number.
The processing of the credit card application will be initiated if the application received along with the documents is complete in all respects. The status of the application will be updated through SMS to the registered mobile number of the applicant.
You will have to set the PIN for the card before using it. The credit card PIN can be set up through the official credit card website of United Bank of India.
There is normally an interest-free period for the credit card transactions. The billing cycle will be from the 11th of the previous month to the 10th of the current month. The billing date will be the 10th of the current month and the outstanding amount in full or the minimum amount as stipulated by the Bank has to be paid within the 25th of the current month. The transactions from the 11th of the previous month to the 10th of the current month will be interest-free till the payment due date i.e., the 25th of the current month. If the entire outstanding is paid then there will be no finance charges except the charges for cash withdrawal which will be included in the bill. If the minimum amount is paid and the balance carried over to the next billing cycle then, 2.5% p.m. finance charge on the carried over balance will be charged from the 26th of the current month till the payment of the dues.
Yes, a nomination is required to receive the proceeds of the personal accident insurance in the event of the death of the primary cardholder in an accident.
The cardholder can terminate the card membership by either calling the call centre or by giving a written request for cancelling the card membership to United Bank Credit Card Cell. The membership will be terminated only on receiving the outstanding balance on the credit card in entirety. The add-on cards will be automatically terminated on termination of the primary card. Once the written request is accepted the card has to be cut diagonally to complete the procedure. No joining fees or annual fees will be refunded for the broken period.
The card will be blocked and usage automatically stopped on the death of the primary cardholder or in case of insolvency or bankruptcy of the cardholder. In the event of the death of the primary cardholder, the dues will be set off first with the eligible insurance amount. The legal heir of the primary cardholder will be responsible for any outstanding due over and above the insurance amount.
In the event of the loss or theft of the credit card, the same has to be reported to the bank's credit card cell or call centre. Also, the card has to be immediately blocked using the mobile app or the official credit card website of the bank. If the cardholder realises that the card is being used without his/her permission, even then, the same has to be reported to the Bank and the card has to be blocked. The card should not be used if found at a later date at any cost. If found, it has to be cut diagonally into half.
The bank will not be responsible for fraudulent transactions done on the card before reporting the loss/theft/misuse of the card. The cardholder will be liable for the transactions made before reporting the loss to the bank.
United Bank of India Credit Card Cell holds the right to give any information to police authorities or any other competent authority if the Card Cell considers the information relevant to the loss/theft/misuse of the card.
Yes, the renewed card will be sent prior to the expiry of the existing card.
In the event of loss of the credit card the cardholder has to