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union-bank-credit-cards

What Union Bank Credit Cards can I apply for?
Based on your income you can apply for the following Union Bank Credit Cards;

  • Union Bank VISA Gold - Gross monthly income of LKR 30,000
  • Union Bank VISA Platinum - Gross monthly income of LKR 100,000
  • Union Bank VISA Signature - Gross monthly income of LKR 150,000 or level of investments with the Bank.

What documentation do I need to provide when applying for a Union Bank Credit Card?
The following documents are required when applying

  • Duly filled Application Form
  • A copy of the National ID/Passport
  • Salary Slip
  • Letter from Employer confirming Salary
  • Billing proof (i.e. telephone bill, water bill or electricity bill)

Further, documentation may be required depending on the basis which you are applying

How do I apply for a Union Bank Credit Card?

I received an error message when applying for a Union Bank Credit Card. What should I do next?

I've applied for a Union Bank Credit Card, how can I check on the status of this?

  • You can call our contact center on 011 5800 800 or email us on info@unionb.com or you may write to us on P.O. Box 348 Colombo, with your National Identity Card (NIC) Number.

How long will it take to process my Union Bank Credit Card application?

  • Union Bank VISA Gold - 10 bank working days*
  • Union Bank VISA Platinum - 8 bank working days*
  • Union Bank VISA Signature - 8 bank working day*
  • Subject to all documentation is completed.

Card application can be processed within one working day using ‘Green Channel’ if the card application is submitted before 10 am, with all completed documents. A Green Channel fee of Rs.1000 shall apply for this service.

How fast can I use my Union Bank Credit Card after I have received it?

  • Your Credit Card has to be activated prior to using it. To activate your Credit Card follow the instructions on the enclosed letter or contact our 24 hour contact center on 011 5800 800 or log in to Union Bank internet or mobile banking.

How do I activate my Union Bank Credit Card?

  • To activate your Credit Card please contact our 24 hour contact center on 011 5800 800 or log in to Union Bank internet or mobile banking and follow the activation steps provided.

Will I receive a PIN and How will receive it?

  • Yes. A Personal Identification Number (PIN) will be sent to you via Post once the Credit Card has been approved

What are the features and benefits of a Union Bank Credit Cards?

  • Please visit unionb.com and click on the Union Bank Credit Cards page for a list of features and benefits on our Credit Cards.

What fees and charges are linked to the Credit Card?

  • Union Bank VISA Gold - Primary Annual Fee LKR 2500/=
  • Union Bank VISA Platinum - Primary Annual Fee LKR 3000/=
  • Union Bank VISA Signature - Primary Annual Fee LKR 5000/=

For other Fees & Charges please refer Credit Card Tariff

How many additional cards can add to my existing Union Bank Credit Card?

  • You can add up to 5 additional cards, provided they are your immediate family members.

Is there a Loyalty programme linked to my Union Bank Credit Card?

Yes. The Union Bank Rewards point scheme is linked to your Credit Card. You can earn points when you use your Credit Card at selected merchant outlets. There is no enrollment process. For more details on Union Bank reward points please refer Union Bank Credit Card Rewards

  • Union Bank VISA Gold - 1 point for every LKR.200 spent*
  • Union Bank VISA Platinum - 1 point for every LKR.100 spent
  • Union Bank VISA Signature - 2 points for every LKR.100 spent

*at selected merchant outlets

Where can I use my Union Bank Credit Card?

  • You can use your Union Bank Credit Card at any payment point which accepts Visa Credit Cards as a payment mode.
  • You can also use your Union Bank VISA Credit Card on over 4000 partner ATMs locally and over 01 million VISA ATMs globally.

What is the CVV number?

  • The number following your 16 digit Credit Card number at the reverse of your Credit Card

What is the interest free period on the Union Bank Credit Card?

  • The interest free period for your Credit Card is from 21 days up to 51 days, based on the date the transaction was performed and billed to your card.

How is the late charges calculated?

  • If you fail to pay the Minimum Amount Due by the Payment Due Date, a Late Payment fee of LKR 750 will be charged to your card.

What will I be charged if I use my card overseas?

  • There is an issuer handling fee which is charged on all non-Rupee transactions performed on your Credit Card.

Interest computation method

  • If the Total Due Amount is settled on or before the Payment Due Date, there would not be any interest charges levied to the card account for that statement period.
  • If the Total Due Amount is not settled on or before the Payment Due Date, interest will be charged starting from the ‘Transaction Post Date’ for the unsettled transactions until paid in full, or until the next statement date.
  • Any transaction billed in a given statement will not attract interest in the same statement period. Maximum interest free credit period is 51 days.
  • The interest charging formula is as follows:Outstanding amount X Interest rate X No. of Days/365
  • Interest will be levied on all unsettled transactions and charges including bank charges, and government duty.

Interest Calculation examples

  • Scenario 1 – Cardholder settles Total Due Amount on or before the Payment Due Date
Statement Date 05th February 2017
Transaction Post Date Transaction Date Transaction Type Billing Amount
LKR
Opening Balance 100,000.00
07th January 2017 05th January 2017 POS purchase 6,500.00
20th January 2017 20th January 2017 Payment CR 100,000.00
28th January 2017 28th January 2017 Cash Advance 20,000.00
28th January 2017 28th January 2017 Cash Advance fee 1,200.00
05th February 2017 05th February 2017 Interest and fees 10,000.00
05th February 2017 05th February 2017 Closing Balance 37,700.00
Payment Due Date 26th February 2017
Minimum Due Amount XXXX
Statement Date 05th March 2017
Transaction Post Date Transaction Date Transaction Type Billing Amount
LKR
Opening Balance 37,700.00
10th February 2017 01st February 2017 POS Purchase 6,500.00
25th February 2017 25th February 2017 Payment CR 37,700.00
05th March 2017 05th March 2017 Closing Balance 6,500.00
Payment Due Date 26th March 2017
Minimum Due Amount XXXX

Interest calculation: No interest charged

  • Scenario 2 – Cardholder settles less than Minimum Due Amount on or before or after the Payment Due Date
Statement Date 05th February 2017
Transaction Post Date Transaction Date Transaction Type Billing Amount
LKR
Opening Balance 100,000.00
07th January 2017 05th January 2017 POS Purchase 6,500.00
20th January 2017 20th January 2017 Payment CR 100,000.00
28th January 2017 28th January 2017 Cash Advance 20,000.00
28th January 2017 28th January 2017 Cash Advance fee 1,200.00
05th February 2017 05th February 2017 Interest and fees 10,000.00
05th February 2017 05th February 2017 Closing Balance 37,700.00
Payment Due Date 26th February 2017
Minimum Due Amount 1,508.00
Statement Date 05th March 2017
Transaction Post Date Transaction Date Transaction Type Billing Amount
LKR
Opening Balance 37,700.00
10th February 2017 01st February 2017 POS Purchase 6,500.00
26th February 2017 26th February 2017 Payment CR 1000.00
05th March 2017 05th March 2017 Interest XXXX
05th March 2017 05th March 2017 Late Payment fee 900
05th March 2017 05th March 2017 Closing Balance XXXX
Payment Due Date 26th March 2017

Interest calculation: Interest is calculated on following charges from the Transaction postdate to payment made date (26/02/2017) on the total value. There onwards, the interest is applied on the balance amount after payment allocation, until the statement generated date (05/03/2017).

Transaction Post Date Transaction Date Txn Type  Billing Amount LKR
07th January 2017 05th January 2017 POS Purchase 6,500.00
28th January 2017 28th January 2017 Cash Advance 20,000.00
28th January 2017 28th January 2017 Cash Advance fee 1,200.00
5th February 2017 5th February 2017 Interest and fees 10,000.00

Statement cycles

Following statement cycles are available. If you wish to change your existing statement cycle, please contact our 24 hour Contact Centre on 011 5800 800.

  • Statement generated on 5th of every month/ Payment Due Date nearly fall on 26th of every month
  • Statement generated on 22nd of every month/ Payment Due Date nearly fall on 12th or 13th of every month

Minimum due amount computation / Penalty fees

Minimum due amount computation

Minimum Due Amount is calculated with 100% amount of Government taxes/charges and 4% of all other transactions and charges. The minimum mandated amount for Minimum Due Amount is Rs.500. If the Total Due Amount is less than this minimum mandated amount, the Total Amount would be demanded in full as the Minimum Due Amount.

If the cardholder has any past dues, such would get added to the current total Minimum Due Amount.

Please be advised that your account may be categorized as delinquent in the event the Minimum Due Amount is not paid by the Payment Due Date. This may also have an adverse effect on your credit rating and result in negative information being passed to the Credit Information Bureau (CRIB).

Late payment fee

Late Payment fee will be charged if at least the Minimum Due Amount is not received on or before the Payment Due Date.

Over limit fee

Over limit fee is charged if the allowed credit limit is exceeded.

Stamp duty charge

Stamp Duty is charged on credit card transactions performed in foreign currency. Stamp Duty is charged at Rs25.00 on every Rs.1, 000.00 or part thereof on all such transactions.

Payment allocation method

Payments are set-off against the charges and purchases in the following order:

  • Government charges
  • Fees (Late Payment fee/ Over Limit fee)
  • Fees (Cash Advance fee)
  • Fees (others)
  • Interest charges
  • Scheduled monthly installment payments (Transactions)
  • Scheduled monthly installment payments (Balance Transfer)
  • Cash Advances
  • Point of sale purchases and other

Payment allocation for same type of transactions is done on First-in First-out (FIFO) basis.

Best practices in managing your card and the Credit Information Bureau (CRIB) profile

What is the Credit Information Bureau (CRIB)?

Credit Information Bureau of Sri Lanka (CRIB) is an independent repository of credit information and credit history of borrowers. All authorized financial institutions are mandated to provide the bureau with factual information on credit granted to customers and how they service their debts. The CRIB consolidates this information provided by all authorized financial institutions in the bureau database.

Union Bank of Colombo PLC is bound to provide credit information and credit history of its borrowers to CRIB. The reporting procedure of credit card information to the CRIB as follows,

  • Whenever a fresh credit card is granted to a cardholder the credit limit, security offered and supplementary cardholder’s information will be reported to CRIB at the end of the month, under the National Identity Card (NIC) Number/Passport Number of the cardholder.
  • The balance outstanding of the credit card, number of overdue days of the credit card will be reported to the CRIB at the end of each month for the tenor the cardholder continues the Credit Card facility with the bank.

Advantages to borrowers from CRIB reporting,

  • When a borrower repays the loans / credit cards on time and maintains a good track record, it becomes easier to obtain credit facilities from banks/financial institutions in future.
  • If a borrower is having an excellent credit history, he/she can negotiate with banks and financial institutions, for better terms and conditions.

Disadvantages to borrowers from CRIB reporting if they default,

  • The borrower will not be able to get credit faster, since clearance of CRIB is taken as a mandatory requirement by banks/financial institutions when granting credit facilities.
  • The borrower may have to oblige to the additional terms and conditions of the financial institutions.

To maintain a good credit history record at CRIB,

  • Always analyze your income and understand about your credit servicing capacity prior to applying for a credit facility.
  • Pay your periodical commitments of your credit facilities on or before the requested due date from the financial institution. (In credit cards, pay your minimum due amount or the total outstanding amount mentioned in your credit card statement on or before the Payment Due Date)
  • If you are undergoing an unexpected situation which affects your credit servicing capacity, always inform and negotiate with your bank/financial institution.
  • Check your credit history periodically.
  • In case of discrepancies in the credit report, rectify it immediately by informing your bank/financial institution or CRIB.

 

Rights, liabilities and obligations of the Principal Cardholders and Supplementary Cardholders

  • Union Bank of Colombo PLC may in its sole discretion issue a supplementary card to a person nominated by the primary cardholder. The issuance of the supplementary card(s) shall be subject to such terms and conditions which the bank may deem necessary.
  • The holder(s) of any supplementary card(s) on the account and the primary cardholder authorizing its issuance are jointly and severally liable for all transactions and charges incurred by the use of card(s).
  • The validity of the supplementary card is dependent on the validity of the primary card. The termination of the supplementary card or supplementary cardholder’s agreement with the bank shall not terminate the primary card or the primary cardholder’s agreement with the bank.
  • Both the primary cardholder and the supplementary cardholder(s) will share the same credit limit assigned to the card account unless otherwise a lesser credit limit is offered to the supplementary cardholder(s) by the primary cardholder by instructing the bank.
  • Primary cardholder may withdraw the supplementary card facility by sending a written intimation to the bank together with the supplementary card cut in half.
  • Any dispute among the primary and supplementary cardholders should not affect the undertakings, liabilities and obligations of the primary and supplementary cardholders to Union Bank of Colombo PLC.
  • All transactions and any charges accrued by the supplementary cardholder will be valid and treated as binding upon the primary cardholder and are the liability of the primary cardholder.
  • The primary cardholder shall indemnify the bank against all losses, damages, liabilities, costs and expenses whether legal or otherwise incurred by the bank by reason of any legal disability or incapacity of the supplementary cardholder or any breach of these terms and conditions by the supplementary cardholder.
  • The bank will automatically renew the validity of the supplementary card(s) as and when it falls due, unless there is any breach of the agreement.

Procedure for cancellation of the credit card

  • The primary cardholder should submit a request to cancel his/her credit card or his/her supplementary credit card(s) in writing, to Union Bank of Colombo PLC.
  • Such request must be accompanied by the return of the card(s) being cancelled, been cut into four pieces and ensuring the magnetic strip/ EMV chip have been cut.
  • The bank’s card center upon receipt of such request shall block the card and keep the card in the blocked status for a period of 14 days to accommodate any transactions that have not been debited at the time of requesting the cancellation of the card.
  • If the cardholder has not settled all dues at the end of the above mentioned period, the primary cardholder is required to settle the entire outstanding of the credit card.
  • After settlement of all the dues of the credit card and after lapse of such 14 days period, the particular credit card account will be closed permanently, and the agreement that Union Bank of Colombo PLC had with the cardholder will be terminated.
  • The Bank will notify the Cardholder in writing, confirming the Credit Card closure.

 

Code of conduct for credit card operations – Union Bank of Colombo PLC

 

Contents

  1. Preamble
  2. Key commitments
  3. Information
  4. Tariff (Fees / Charges /Interest)
  5. Sales and Marketing Ethics
  6. Issuance of Credit Card / PIN
  7. Account Operation
  8. Confidentiality of Account Details
  9. Collection of dues
  10. Handling of Complaints
  11. Termination of a Credit Card
  12. Feedback and Suggestions

 

01 Preamble

1.1 This is a mandatory code of conduct (hereinafter referred to as 'Code') prepared in terms of the Credit Card operational guidelines No. 01/2010 issued by the Central Bank of Sri Lanka for adoption by Credit Card issuing member banks/institutions (hereinafter referred to as 'Issuer') and/or their associates. It is expected that this code will act as a benchmark service standard in dealings with individual customers. The Code details the obligations the issuers undertake when issuing credit cards and other card products. This code will guide issuer's staff in dealing with customers. TheCode is expected to help the credit card users understand their rights and measures they should take to protect their interests. The issuers who adopt this Code will place it on their websites and make copies available to customers on request.

 

About this Code

1.2 As a mandatory document, the Code promotes competition and encourages market forces to achieve higher operating standards for the benefit of the customers. In the Code, `we/our’ denotes the issuer. The standards of the Code are governed by the key commitments detailed in section

2. Unless stated otherwise, all parts of this Code apply to all the credit card products and services, whether we provide them across the counter, over the phone, on the internet and/or by any other method.

Commitments outlined in this Code are applicable under normal operating business environment. In the event of force majeure, it should be clearly understood that we may not be able to fulfill the commitments under this Code.

 

02 Key Commitments

We commit to

2.1 act fairly and reasonably in all our dealings by;

  1. Meeting the standards in this Code, for the products and services we offer, and in the procedures and practices our staff/agents will follow.
  2. Making sure our products and services comply with relevant laws, regulations, guidelines, directions and circulars.
  3. Ensuring that our dealings with customers rest on ethical principles of integrity and transparency.
  4. Engaging in lawful and ethical consumer practices.

2.2 help the customer understand how our credit card products and services operate by offering the following information in a simple language;

  1. what are the benefits to the customer.
  2. How the customers can avail of the benefits.
  3. What are the costs, fees and charges.
  4. Whom/how the customer can contact to address their queries.

2.3 deal quickly and effectively with customer queries and complaints by;

  1. Offering channels to route their queries.
  2. Listening to them patiently.
  3. Communicating responses to the customers within 10 working days of receipt of complaint/ query.
  4. Informing the customers how to take their complaint forward, if they are not satisfied with our response.

2.4 publicize this Code, by making it available for public access on our website and make copies available to customers on request in English, Sinhala and Tamil.

 

03 Information (Enabling the customers to choose products and services, which meet their needs)

3.1 Prior to issuing a credit card, we will;

a) provide information explaining the key features of our credit card products including;

- Relevant terms and conditions;

- Applicable fees and interest rates;

- method of calculating minimum amount due and interest;

- How to avoid or minimize the interest charges and penalty charges;

- Billing and payment procedures;

- Renewal and termination procedures; and

- any other important information that may be required to operate the card;

b) Make the customer aware of the minimum information/ documentation required from the customer to enable us to issue a credit card including the documentation with respect to their identity, address, employment etc., and any other document that may be stipulated by statutory authorities in order to comply with legal and regulatory

requirements.

c) Verify the details provided by the customer on the credit card application by contacting via telephone and/or visiting

through agencies appointed by us for this purpose, if deemed necessary.

3.2 We will inform our targeted turnaround times when the customers apply for a product/ service.

3.3 We will provide a service guide/member booklet detailing the terms and conditions, interest and charges applicable, rights and liabilities of the customer if the credit card is lost / misused and other relevant information with respect to usage of the credit card, along with the first credit card.

3.4 We will provide our contact details such as telephone numbers, postal address, website/ email address to enable the customers to contact us whenever they need to.

3.5 We advise the customer to collect all payment receipts to reconcile their monthly statements. If the customer does not recognize a transaction, which appears on the credit card statement, more details will be provided, if requested. In some cases, we may need the customer to provide us confirmation or evidence to prove that they have not authorized a transaction.

 

04 Tariffs (Interest/ Fees/ Charges)

4.1 We will provide our schedule of fees and charges (including interest rates);

a) with the application form,

b) in the service guide/member booklet,

c) when the customer calls on the customer service numbers,

c) on our website, or

d) through our designated staff.

4.2 We will clearly explain how we apply interest and/or charges to customer's account using examples, on request, in addition to the information in the credit card statement and the publication available on the website.

4.3 Changes in our tariffs - When we change our tariffs (interest rate and/or other fees/charges) on our credit card products, we will update the information on our telephone messages, website, and on the credit card statement, in order to notify the customers at least 10 days prior to implementation of such changes.

 

05 Sales and Marketing Ethics

5.1 Field Personnel

a) Our sales representatives will identify themselves when they approach customers and potential customers for selling card products.

b) In the event of receipt of any complaint from customers that our representative has engaged in any improper conduct we shall take appropriate steps for redressal of complaint.

5.2 Telemarketing

a) If our telemarketing staff/agents contact the customers over the phone for selling any of our credit card products or with any cross sell offer, the caller will identify himself/herself and advise the customer that he/she is calling on our behalf.

b) It is ensured that customers will be contacted only when the call is not expected to inconvenience the customer. (Generally between 0900 hrs and 1900 hrs.)

c) Calls earlier or later than the prescribed time period may be placed only when the customer has authorised to do so either in writing or orally.

5.3 Telemarketing Etiquette

Our telemarketing staff will follow acceptable tele-calling etiquette as follows;

5.3.1 Pre Call

Calling only on lists that have been cleared by the bank or the bank appointed Direct Sales Agent.

5.3.2 During a Call

a) Identify themselves and our bank, and state reason for the call.

b) Request permission to proceed, if denied permission, apologise and politely disconnect.

c) Always offer to call back on landline, if call is made to a mobile phone.

d) To the extent possible, talk in the language which the customer is most comfortable.

e) Keep the conversation limited to business matters. Never interrupt or argue.

f) Check for the customer’s understanding of the ‘Most Important Terms and Conditions’ if the customer plans to buy the product.

g) Provide their telephone no., their supervisor’s name or our bank contact details if requested by the customer.

h) Thank the customer for their time.

5.3.3 Post Call

a) If the customer has expressed lack of interest for the offering, we will endeavour not to call the customer for the next 6 months with the same offer.

b) In the event a customer calls regarding products already sold, the sales staff will direct the customer to the relevant department/ unit of the bank to handle such queries.

5.4 Confidentiality of Customer Information

The sales representatives will respect the customer's privacy at all times. The customer’s interest may generally be discussed only with the customer and any other individual/family member such as the customer’s accountant/secretary/spouse, if

authorized by the customer in writing, by e-mail, by recorded telephone line, by fax or sms.

5.5 Training

The sales representatives are provided with the required training and guidance in order to perform their task effectively.

 

06 Issuance of Credit Card / PIN

6.1 We will generally dispatch the customer’s credit card to the mailing address mentioned by the customer through courier/registered post. Alternatively, we shall deliver the customer's credit card to an address under the customer's specific instructions.

6.2 If the credit card received by the customer is not activated, the customer can activate the card as prescribed by the Bank.

6.3 PIN (Personal Identification Number) whenever allotted, will be sent to the customer separately.

 

07 Account Operations and Credit Card Statements

7.1 To help the customer manage the credit card account and check details of purchases/cash drawings using the credit card, we will offer the customer the facility to receive credit card transaction details either via mail or via internet banking. Credit card statement will be generated on a predetermined date of every month which will be notified to the customer.

7.2 In the event of non-receipt of credit card statement, we advise the customer to inform us to obtain a copy of the statement, which will be sent within 10 calendar days to enable the customer to make the payment in a timely manner.

7.3 We will inform the customer of any new services and value additions, that we may introduce from time to time with the option to accept/decline and will indicate the fees/ charges applicable for such new services in advance.

7.4 In the event of a cheque deposited to the customer's card account being returned, we will inform the customer of such return within 7 calendar days from the receipt of such unpaid cheques.

7.5 We will not unduly penalize the customer if cheques are deposited prior to the payment due date within the time frame prescribed by us, but realized after the due date due to errors/ delays on our part.

7.6 We will inform the customer of any proposed upgrade and/or limit enhancement on the customer's account. The customer would be given the option to accept or decline the proposed upgrade and/or limit enhancement within a stipulated time period therein. We expect the customers will carefully read such notifications and respond accordingly.

7.7 We will advise the customer what can be done to protect the customer's credit card from misuse.

7.8 In the event the customer's credit card has been lost or stolen, or the customer's PIN or other security information becomes known to a third party, we will, on the customer notifying us, take immediate steps to deactivate the customer's card and take action in accordance with the terms and conditions of the cardholder agreement.

 

08 Confidentiality of Account Details

8.1 We will treat the customer's personal information as private and confidential (even when the individual is no longer a customer). We will not reveal transaction details of the customer's accounts to a third party, other than in the following exceptional cases;

1 if required by law.

2 if requested by the customer in writing, by e-mail, by recorded telephone call, by fax or sms (These requests will be

archived for future reference).

1 in order to comply with the law.

2 if in our interests, it requires us to give the information to prevent fraud, for audit etc.

 

09 Collection of dues

Our bank's dues collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. In some instances calls would be placed earlier or later than the prescribed time period of 0900 hrs and 1900 hrs in order to contact the customer regarding payment dues, to ensure smooth operation of the customer’s credit card.

Our staff or any person authorized to represent us in collection of dues and/or security repossession will identify him/her and Interact with the customer in a civil manner.

We will provide the customer with all the information regarding dues and will give sufficient notice for payment of dues.

We will respond to any queries made or clarifications requested by the customer with regard to the customer’s dues and recovery letters within a reasonable time period.

 

10 Suspicious Transactions Confirmation

In some instances calls earlier or later than the prescribed time period of 0900 hrs and 1900 hrs may be placed in order to confirm suspicious transactions on the customer's credit card. This is done in the interest of the customer to prevent unauthorized usage.

 

11 Handling of Complaints

11.1 Handling of customer complaints internally

  • We will have a Complaints Handling Procedure within the organization.
  • Our complaints handling procedure including the targeted response times to customer complaints and escalation process,

will be displayed on our website.

11.2 Making a complaint to the Financial Ombudsman, Sri Lanka

If the customer does not get a satisfactory response to the customer's complaint from us within 30 days and the customer wishes to pursue other avenues for redress, the customer may approach The Financial Ombudsman, Sri Lanka.

Address;

No. 143A,

Vajira Road,

Colombo – 05.

Telephone : +94 11 259 5624 Fax: +94 11 259 5626

Email : fosril@sltnet.lk

Website : www.financialombudsman.lk

 

12 Termination of Credit Card

12.1 The customer may terminate the credit card by giving notice to us and by following the procedure laid down by us in our terms and conditions of the cardholder agreement after clearing all outstanding dues, if any.

12.2 We may terminate the customer’s credit card, if the customer is in breach of the cardholder agreement and take necessary action to settle unresolved issues, if any, according to the dispute resolution procedure.

 

13 Feedback and Suggestions

Customers can provide feedback on our services and their suggestions will help us to improve our services.

 

 

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