Card Image
Union Bank Silver Credit Card
Annual Fee
₹250
Rewards/₹100 ⓘ
₹0.20
Normalized to balance base rate with bonus categories
Interest Rate
36.00%
Credit Score
680+
At a Glance
Key Benefits
Very low fees, basic rewards, entry-level card
Lounge Access
No lounge access
Eligibility
Age: 21-60 years, Annual income: Rs.1.8 lakh+, CIBIL: 680+
Quick Details
Annual Fee
₹250
#63
Joining Fee
₹250
#69
Interest Rate
36.00% p.a.
#45
Forex Markup
3.50%
#75
Rewards/₹100
₹0.20
#291
Reward Type Reward Points
Reward Currency Points
Min Credit Score
680+
#38
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee ₹300
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Base
All Spends
₹0.20 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Milestone Benefits
Renewal Benefit
Annual fee waiver on Rs.50K spend
Spend ₹50,000 within 365 days
₹250
value
Insurance Coverage
Accident
₹1,00,000
Basic personal accident cover
Lifestyle Perks
Fuel
1 /month
1% fuel surcharge waiver
Quick Analysis
Union Bank Silver is the most basic entry-level card for first-time users seeking minimal fees and basic credit card features.
Pros
- Very low annual fee of Rs.250
- Easy fee waiver on Rs.50K spend
- Ideal for first-time card users
- Basic insurance coverage
- Fuel surcharge waiver
Cons
- Very low credit limit (max Rs.1.5L)
- Low reward rate (0.20%)
- No lounge access
- Limited benefits
Best For
First-time users, low income earners
Not Ideal For
Everyone else
Frequently Asked Questions
What is the annual fee for Union Bank Silver Credit Card?
Yes, the annual fee is ₹250. The fee can be waived on annual spending of ₹50000.
Is there a joining fee for Union Bank Silver Credit Card?
Yes, the joining fee is ₹250.
What rewards does Union Bank Silver Credit Card offer?
You can earn rewards worth up to ₹0.20 per ₹100 spent. The base reward rate is ₹0.20 per ₹100.
Does Union Bank Silver Credit Card offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for Union Bank Silver Credit Card?
To apply for Union Bank Silver Credit Card, you need minimum age of 21 years, minimum monthly income of ₹180000, credit score of 680+.
User Reviews
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