What are the key benefits of SBI Credit Cards?

SBI Credit Cards offer a wide range of benefits, including rewards, cashback, lounge access, discounts, and insurance coverage.

How can I apply for an SBI Credit Card?

You can apply for an SBI Credit Card online through the Paisabazaar platform, where you can compare card options and check for pre-approved offers.

What factors should I consider when choosing an SBI Credit Card?

Consider your spending habits, lifestyle, and financial goals to select a card that best suits your needs, such as travel, shopping, or rewards.

How can I manage my SBI Credit Card efficiently?

SBI Card offers a user-friendly mobile app and online banking services to help you manage your card, check statements, make payments, and access additional features.

What precautions should I take to avoid accumulating credit card debt?

Responsible credit card usage includes paying bills on time, managing credit limits wisely, and avoiding unnecessary spending to prevent debt accumulation.

Union Bank Introduces Different Variants of Debit Cards

Union Bank of India has recently launched a range of debit card options, including Visa, RuPay, and MasterCard, catering to various customer preferences. In this article, we will provide you with a comprehensive overview of these debit card options, allowing you to select the one that best suits your needs.

Types of Debit Cards Offered by Union Bank of India

1. Union Bank Signature Visa Contactless Debit Card

The Union Bank Signature Visa Contactless Debit Card is a popular choice among customers. With an average quarterly balance requirement of zero, it offers a daily cash withdrawal limit of Rs 1 lakh and a daily shopping limit of Rs 3 lakh. Additionally, it provides contactless payment convenience, with a limit of Rs 5,000 per transaction. The card also comes with a host of benefits, such as waived annual maintenance charges, access to airport lounges, and accidental insurance cover of Rs 2 lakh for the primary cardholder and Rs 1 lakh for the secondary cardholder.

2. Union Bank RuPay Select Debit Card

Another option is the Union Bank RuPay Select Debit Card. Similar to the Signature Visa Contactless Debit Card, it requires no average quarterly balance. It offers a daily cash withdrawal limit and a daily shopping limit of Rs 1 lakh and Rs 3 lakh, respectively. The contactless limit per transaction is Rs 5,000. The annual maintenance charges for this card amount to Rs 400, and it also provides airport lounge access and accidental insurance cover of Rs 2 lakh.

3. Union Bank Platinum RuPay Debit Card

For customers seeking a more premium experience, Union Bank offers the Platinum RuPay Debit Card. There is no average quarterly balance requirement for this card, and it allows for daily cash withdrawals of up to Rs 75,000 and shopping transactions of up to Rs 1.5 lakh. Issuance charges are waived, and it comes with accidental insurance cover of Rs 2 lakh.

4. Union Bank Classic Debit Card (RuPay/Visa)

The Classic Debit Card is a versatile option for Union Bank customers. With no average quarterly balance requirement, it permits daily cash withdrawals of up to Rs 25,000 and shopping transactions of the same amount. Issuance charges are also waived, and the card provides accidental insurance cover of Rs 2 lakh.

5. Union Bank Business Platinum Debit Card

For business owners, Union Bank offers the Business Platinum Debit Card. With no average quarterly balance requirement, this card allows for daily cash withdrawals of up to Rs 25,000 at ATMs and up to Rs 50,000 for use at point-of-sale terminals and online portals.

6. Union Bank QSPARC Debit Card (RuPay)

The QSPARC Debit Card is an innovative option that functions both as a normal debit card and a prepaid card. It comes with a daily cash withdrawal limit of Rs 25,000 at ATMs and Rs 50,000 for use at point-of-sale and online portals. To use it as a contactless debit card, the transaction amount must not exceed Rs 5,000.

How to Apply for a Union Bank Debit Card

To apply for a Union Bank debit card, you can visit the bank and open an account. Upon opening the account, you will be offered a debit card based on your account profile. If you have not accepted the initial offer, you can always apply for a Union Bank debit card online. Simply search for "Union Bank of India Debit Card apply online," click on the provided link, and follow the steps outlined on the screen.

Fees and Charges

It is essential to be aware of the fees and charges associated with Union Bank debit cards. The first year of issuance is free for all cards, while subsequent years vary in charges depending on the type of card. Classic debit cards incur an annual maintenance charge of Rs 200, platinum cards Rs 300, and signature, business, RuPay Select, and RuPay Platinum cards Rs 400. Issuance charges for all cards amount to Rs 150. Transaction charges also apply, with different limits for each card type. International financial transactions at other bank ATMs incur separate charges as well.

Pin Generation for Union Bank Debit Card Online

To generate a Green PIN and set your ATM-cum-Debit Card PIN for your Union Bank debit card, follow these steps:

1. Visit any Union Bank ATM.

2. Insert your card into the machine.

3. Select "Set ATM Green PIN."

4. Choose the option to generate an OTP to receive it on your registered mobile number.

5. Re-insert your card and select "Set ATM Green PIN" once again.

6. Enter the OTP received and select "Validate OTP."

7. Create your new PIN and confirm it.

8. If you encounter any difficulties during the process, contact Union Bank customer service at either 1800222244 or 1800208244.

By offering a wide range of debit card options, Union Bank of India aims to meet the diverse needs of its customers. Whether you prefer a contactless payment experience or seek higher withdrawal and shopping limits, Union Bank has a debit card that caters to you.