Union Bank of India Debit Card |Types, Charges, Limits & Benefits

The Union Bank of India Debit Card comes in the form of various types to make banking simple, secure, and convenient. Whether you choose RuPay, Visa, Mastercard, or any other variants, each card lets you shop online, withdraw cash, and access several benefits.

You can access your money anytime at Union Bank of India ATMs. Its Platinum and Contactless Debit Cards include features like higher withdrawal limits and faster payments.

Since Union Bank of India ATMs have low or no transaction fees, you can experience hassle-free banking processes. Keep reading to find the ideal debit card for your lifestyle!

Union Bank of India Debit Card provides secure, cashless transactions, easy access to funds, along with features like contactless payments and reward points on select cards. They also provide daily purchase and withdrawal limits to suit different customer needs.

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Top Union Bank of India Debit Cards 2025

In total, the Union Bank of India offers 10 types of debit cards. Here are some of the top cards, along with their features and benefits:

Classic Debit Card (RuPay Visa):

Features	Benefits
Accidental insurance coverage up to ₹2 lakh	High transaction limits. Financial security with accidental insurance coverage. No minimum balance required.

Business Debit Card (Platinum):

Features	Benefits
Accidental death insurance coverage of ₹2 lakh for each partner. Access to Visa’s commercial offers with discounts up to 25%. Free of cost to current account holders.	Designed for business owners. Financial protection with accidental death insurance. Access to exclusive business-related discounts and offers.

Visa Contactless Debit Card:

Features	Benefits
Accidental insurance coverage up to ₹2 lakh and up to ₹1 lakh for the secondary cardholder. Free issuance. Dual interface card for contact and contactless transactions. No minimum balance required. Widely accepted at retail outlets and online stores.	Enhances convenience with quick and secure contactless payments. Ideal for daily purchases and transit fares. Facilitates quick payments for small-ticket transactions.

Rupay Select Debit Card:

Features	Benefits
Airport lounge access: 2 (international visits per year, 2 domestic visits per quarter). Accidental death insurance coverage up to ₹5 lakh and up to ₹50 lakhs for air accidents. Personal Accident Insurance and Total Permanent Disability Cover up to ₹10 lakh. Complimentary gym membership, health check-ups, and golf lessons. Reward points on every ₹100 spent.	Tailored for customers looking for premium banking services. Extensive travel and wellness benefits. High transaction limits and comprehensive insurance coverage.

Qsparc Debit Card (Rupay):

Features	Benefits
Combines debit card functionality with a stored value feature. Rechargeable at compatible NCMC POS terminals. Real-time online transactions and offline transactions at compatible terminals. Personal accidental insurance coverage: ₹2 lakh for primary cardholder, ₹1 lakh for secondary cardholder.	Simplifies payments by including multiple payment methods on one card. Ideal for small payments, transit fares, tolls, and parking. Financial protection with accidental insurance coverage.

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Step-by-Step Guide to Apply for a Union Bank of India Debit Card

The Union Bank of India Debit Card application includes the following steps:

Visit the official website of Union Bank of India and go to its ‘Debit Cards’ page.
Select the card of your choice and click on the ‘Apply Now’ button.
You will be taken to the Union Bank of India debit card portal.
Click on the ‘Apply for a new debit card’ button.
Enter the Account Number and captcha.
Click on the ‘Validate Account’ button.

You can also check the status of your Union Bank of India Debit Card application on the same portal. Here’s how:

Click on the ‘Check debit card status’ button.
Enter your account number and captcha.
Click on the ‘Validate Account’ button.

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Union Bank of India ATM PIN Generation and Activation

Debit card activation generally requires Green PIN generation. The Union Bank of India allows you to generate your ATM PIN via its mobile banking app and netbanking portal for a speedy process without the hassle of bank branch visits.

Union Bank of India Debit Card ATM PIN Generation via Internet Banking

Log in to Internet banking.
Click on ‘General Services’.
Click on ‘Service Request’.
Click on the ‘Green Pin Generation’.
Select the Account Number.
Select Debit Card Number.
Enter the Debit Card Expiry Date.
Enter the New PIN and re-enter the PIN to confirm.
Enter the transaction Password and OTP.

Your Union Bank Debit Card PIN will be set instantly at no cost.

Union Bank of India Debit Card ATM PIN Generation via Mobile Banking App

Install and open the ’Vyom’ mobile app of Union Bank of India.
Enter the 4-digit login PIN or log in using a fingerprint.
Generate Card PIN.
Select Debit Card
Enter the debit card expiry month and year.
Click on ‘Proceed’.
Enter the OTP received on your registered mobile number.
Enter the New Debit card PIN and confirm the same.
Click on ‘Proceed’.

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Union Bank of India Debit Card Charges

There are no joining or membership fees for most of the debit cards of Union Bank of India. However, when it comes to annual fees, the amount is based on the card variant. Here’s what it looks like:

Debit Card Variant	Annual Fees (₹)
VISA Gold	₹350
VISA Platinum	₹450
VISA Signature	₹1999
RuPay Platinum	₹350
RuPay Select	₹550
VISA Business Platinum Corporate Cards	₹2000

Subject to change.

Union Bank of India Debit Card Limits

Below is a table summarizing Finzy’s loan interest rates and other charges:

Debit Card Type	Daily Transaction Limit
Classic Debit Card (RuPay/Visa)	ATM withdrawal: ₹25,000 Shopping: ₹50,000
Visa Contactless Debit Card	ATM withdrawal: ₹25,000 Shopping: ₹50,000
Business Debit Card (Platinum)	ATM withdrawal: ₹1 lakh Shopping: ₹3 lakh
Visa Contactless Debit Card	ATM withdrawal: ₹25,000 Shopping: ₹50,000
Rupay Select Debit Card	ATM withdrawal: ₹1 lakh Shopping: ₹3 lakh
Qsparc Debit Card (Rupay)	ATM withdrawal: ₹25,000 Shopping: ₹50,000

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Frequently Asked Questions

Find answers to common questions about this topic

The daily withdrawal limit for Union Bank of India debit cards ranges from ₹25,000 to ₹2,00,000, depending on the card type.

Union Bank of India debit cards themselves do not require maintaining a minimum balance.

Yes, Union Bank of India offers a specific number of free ATM transactions each month, varying by card type and ATM location.

The annual fees for a Union Bank of India Debit Card differ based on the card variant.

To use a Union Bank of India ATM for the first time, you need to generate your debit card PIN using the Green PIN service, which allows you to set or reset your PIN instantly through online or mobile banking platforms.

You can withdraw between ₹25,000 to ₹1,00,000 per day from Union Bank of India ATMs, depending on your debit card type.

The CVV (Card Verification Value) is a 3-digit security code printed on the back of your Union Bank of India debit card. It helps verify your identity during online transactions and protects against unauthorized use.