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Vidhi Chauhan
Vidhi Chauhan is a copywriter and content writer with extensive experience creating high-quality, SEO-driven content across multiple industries, with a strong focus on fintech. She has written extensively on GST, banking, personal loans, business loans, credit cards, income tax, insurance, and other financial topics, helping Indian readers understand complex concepts through clear, accurate, and engaging content.
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Union Bank of India Debit Card is one such payment card that makes it easy for customers to withdraw cash from their bank account, pay for purchases through online mode and even purchase from merchant outlets. Union Bank of India offers a range of debit cards to its customers under various schemes like RuPay, Visa and MasterCard, with each card offering different advantages depending on the type of the card.
Unlike the credit card that allows the cardholder to avail loans within the credit limit set for him/her, the debit card functions based on the available balance in the bank account of the cardholder. Information on the types, features and application process of Union Bank of India Debit Card can help the customer choose the right card.
Key Takeaways
A Union Bank of India debit card is a payment card issued by the bank that allows you to spend money directly from your account. With its help, you can make payments and withdrawals without any cash.
Read Also: How to Check Your Union Bank Balance & Account Number: Complete Guide
The Union Bank of India debit card is attached to the customer’s savings/current account. Every time the customer makes a transaction with their card, the amount is deducted from the available balance.
The main difference between a debit card and a credit card is the source of money that the user uses for making payments. In the case of a debit card, the money that is available in the bank account of the user is used, whereas in the case of a credit card, the user can borrow money within the credit limit.
Various types of debit cards have been provided by Union Bank of India to meet various requirements of customers from basic banking purposes to more premium lifestyle benefits. The debit cards provided by the bank include varieties that come in the categories of RuPay, Visa, and Mastercard cards.
There may be differences between them with regard to cash withdrawal limits through ATMs, transaction limits through POS/e-commerce, contactless payment limits, reward schemes, insurance coverages, lounge access, annual fees and eligibility criteria. In the case of the Platinum Debit Card, the daily limit for cash withdrawal from ATMs is ₹75,000 and that for transaction limit through POS/e-commerce is ₹1.50 lakh.
Read Also: Union Bank ATM PIN Generation: Set or Reset PIN Guide (2026)
A Union Bank of India debit card offers convenient banking, payments, rewards, and security features.
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The exact benefits vary by card variant, eligibility, and applicable terms.
Customers can apply for a Union Bank of India debit card online by following these simple steps:
A debit card from Union Bank of India provides customers with easy access to money by facilitating withdrawals and online payments. Customers have several cards to choose from, depending on their needs. It is important to know about the various types of cards and how to apply for them online. This article from Loansjagat is sure to prove helpful for those who want to be informed about their banking products.
Yes, customers can block their debit card in case of unauthorised usage or in case of losing the card. This can be done by contacting the bank through customer service.
Lost cards need to be reported to Union Bank of India immediately to prevent the risk of any misuse. The bank can assist in blocking the card and guiding you through the process of getting your card back.
Yes, it is possible to change the debit card PIN through the services of the bank. This procedure would require some form of card verification or authentication.
If I enter an incorrect PIN number multiple times, there will be a suspension of the card, temporarily. This will help the bank protect itself from possible fraud cases.
Use of the debit card internationally may depend on the type of debit card issued by the bank. The customers must be aware of the same before traveling abroad.
The eligible customers may be able to make their debit cards international using the banking and digital services provided by the bank depending upon the type of card they hold.
Customers can make sure that the card is active, the transaction limit has been crossed or there is enough money in the account.
It won’t be possible for you to use your debit card once it expires. It is important that you know how to get your replacement card from the bank.
Generally, the expiry date of a debit card is printed on its front side. In case you want to know anything about your debit card, you can also contact your bank.
It is possible for customers to obtain a new card when their existing card has been lost, damaged or has expired.
