Union Bank of India Credit Card Reward Points — Complete Guide

Key Takeaways
 

• You can earn reward points on every eligible transaction made using your Union Bank credit card.
   
• You can redeem points earned on your Union Bank credit card online or through customer care for shopping, travel, or bill payments.
   
• Each reward point of the Union Bank credit card holds a value of up to ₹0.50, depending on the redemption choice.

Bonus Tip: Use your Union Bank Credit Card for major purchases like travel bookings or electronics during festive offers. When combined with reward points, cashback, and partner discounts, you could save over ₹10,000 annually, making every transaction more rewarding and financially smart.

Union Bank of India Credit Card Reward Points are loyalty benefits that allow you to earn points every time you spend using your Union Bank credit card. 

Take the case of Amit Verma, a 35-year-old teacher from Delhi. He uses his Union Bank Signature Credit Card for monthly expenses like groceries, fuel, and online purchases totalling around ₹45,000. 

With an average of 2 reward points per ₹100 spent, Amit earns nearly 900 points per month, which add up to more than 10,000 points in a year. He later redeems them for gift vouchers worth nearly ₹5,000, effectively turning his everyday expenses into savings.

Now, let’s understand how the Union Bank of India Credit Card Reward Points system works. The best cards for earning them, and how you can redeem and maximise your rewards effortlessly.

Top Union Bank Credit Cards for Reward Points

Union Bank of India Credit Card offers several credit cards that reward you for everyday transactions. Each card is designed to suit different spending patterns: 
 

Each of these cards allows cardholders to earn points on every eligible purchase while enjoying Union Bank’s secure and reliable services.

Types of Union Bank Credit Card Reward Programmes

Union Bank offers a flexible and transparent reward system that encourages customers to make the most of their spending. The reward structure generally includes:
 

This multi-tiered system ensures that every rupee spent brings you closer to attractive rewards.

How to Redeem Union Bank Credit Card Reward Points?

Union Bank Credit Card reward points feel just as good as earning them. Points can be redeemed easily for travel, shopping, vouchers, or cashback through the rewards portal or by contacting Union Bank Credit Card customer support.

Via Net Banking
 

1. Visit the Union Bank Credit Card Rewards Portal.
    
2. Log in using your registered ID and password.
    
3. Go to the ‘Redeem Points’ or ‘Rewards’ section.
    
4. Choose from categories like vouchers, travel, or merchandise.
    
5. Confirm your redemption request.

You’ll receive a confirmation message or email once your request is processed. The average redemption value is between ₹0.25 and ₹0.50 per point, depending on the item.

Via Customer Care

If you prefer personal assistance, you can redeem your reward points by contacting Union Bank Credit Card Customer Care.

• Call 1800-22-22-44 or 1800-208-2244.
   
• Provide your credit card details for verification.
   
• Mention your preferred reward category (vouchers, travel, or gifts).
   
• The executive will process the redemption and confirm via SMS or email.

This option is convenient for users who prefer human support over online platforms.

Union Bank of India Credit Card Rewards Catalogue

Union Bank  offers a versatile Rewards Catalogue that includes a wide range of redemption options to suit different lifestyles:

• Shopping Vouchers: Use your points to buy e-vouchers for Amazon, Myntra, Lifestyle, or Big Bazaar.
   
• Travel Rewards: Redeem points for flight and hotel bookings through partner sites.
   
• Fuel Redemption: Offset your fuel expenses at select petrol outlets.
   
• Gift Items: Choose from a variety of home appliances, accessories, and gadgets.
   
• Bill Payments: Use your reward points to pay credit card or utility bills directly.

This catalogue is regularly updated, ensuring new redemption choices for customers throughout the year.

Tips to Maximise Union Bank Credit Card Reward Points

To make the most of your Union Bank of India Credit Card Reward Programme, here are some effective tips:

• Use Your Card Frequently: Concentrate your monthly expenses on one card to earn more points.
• Spend in Reward Categories: Prioritise spends on dining, shopping, or travel where rewards are higher.
• Track Promotions: Look out for Union Bank’s limited-time offers, which often give 2X or 5X points.
• Pay on Time: Avoid late payments, as missed dues can cause point forfeiture.
• Redeem Before Expiry: Reward points usually expire after 2 to 3 years, so redeem them regularly.

By following these tips, you can make every swipe more rewarding while maintaining financial discipline.

Conclusion

The Union Bank of India Credit Card brings convenience, rewards, and financial flexibility together. Meeting the eligibility criteria, keeping documents ready, and maintaining a good credit history help secure faster approval. With responsible usage, every Union Bank of India Credit Card becomes a tool for easy payments, travel perks, and everyday savings, making banking simpler and smarter.

FAQs on Union Bank of India Credit Card

1. What is the minimum salary required for a Union Bank of India Credit Card?
The minimum salary depends on the card type, but most Union Bank of India Credit Cards require a steady income source verified by payslips or ITR.

2. Can a student apply for a Union Bank of India Credit Card?
No, students are not eligible unless they have a verified income or are issued an add-on Union Bank of India Credit Card under a parent’s account.

3. How does Union Bank of India decide credit limits for new cardholders?
Credit limits are based on income level, credit score, and past repayment history for each Union Bank of India Credit Card applicant.

4. Does owning other cards affect Union Bank of India Credit Card approval?
Yes, the bank reviews total credit exposure before approving a new Union Bank of India Credit Card to avoid over-lending.

5. Can the Union Bank of India Credit Card be upgraded later?
Yes, after consistent use and timely payments, users can request an upgrade to a higher-tier Union Bank of India Credit Card.
 

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