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Union Bank of India
Union Bank of India U-Secure Credit Card
RuPay
Union Bank of India U-Secure Credit Card
Union Bank's U-Secure card is built for customers who don't file income tax returns, have a low CIBIL score, or are NRIs — no income proof or rating sheet is required, since the fixed deposit alone determines the credit limit, and it's lifetime free.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: Fuel surcharge waiver capped at ₹75 per card per month
Benefits
- Credit limit of 75% of a linked Union Bank fixed deposit (typical minimum ₹20,000-₹25,000)
Pros
- + Explicitly designed for non-ITR filers, NRIs, and low-CIBIL applicants
- + Lifetime free — zero joining and annual charges
- + Competitive revolving interest rate versus many secured-card peers
Cons
- − 75% advance rate is lower than some competitors offering up to 90-100%
- − RuPay-only network limits international acceptance
- − Minimal reward earning compared to Union Bank's unsecured Nexteria or Unicorn cards