I’m planning to apply for a Union Bank of India credit card. What is the eligibility criteria in terms of age, income, and documents required? Also, does the bank offer secured credit cards for applicants without income proof or credit history?
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To be eligible for a Union Bank of India credit card, you must be an Indian resident aged between 18 to 70 years, with salaried applicants typically required to be at least 18 years old. A stable annual income starting from ₹1.8 lakh is generally required, and applicants need to submit KYC documents such as PAN, Aadhaar, and income proof like salary slips or ITRs. However, if you don’t have income proof or a strong credit history, Union Bank also offers secured credit cards against a fixed deposit, which serve as a great alternative to build credit without meeting the usual income criteria.
To get a Union Bank of India credit card, you need to be between 18 and 60 years old with a regular income, usually starting from ₹15,000 to ₹25,000 per month. A good credit score helps but is not always required for basic cards.
You’ll need PAN, Aadhaar, and income proof like salary slips or bank statements. For self-employed, ITR is needed. If you don’t have income proof or credit history, Union Bank offers secured credit cards against fixed deposits.
Visit a branch or call customer care to find the best option for your profile.