Union Bank Of India Debit Card - Check Features & Benefits

Benefits of Holding a Union Bank of India Debit Card

1. Debit cards from Union Bank of India are protected by "USecure"
2. A comprehensive e-commerce infrastructure that enables hassle-free banking, shopping, and transactional activities for UBI debit card holders.
3. As a result of a partnership between Union Bank, Visa, MasterCard, and RuPay, USecure is made available.
4. Customers must sign up for the services offered by USecure, which consists of RuPay, Verified by Visa (VbV), MasterCard, PaySecure, and SecureCode, in order to conduct online transactions and make purchases.
5. Union Instacash, a feature of the UBI debit card that enables users to withdraw up to Rs.1000 at specific merchant outlets, is special (PoS).

Top Union Bank of India Debit Cards 2025

• QSPARC Debit Card 
• RuPay/MasterCard/Visa Platinum Debit card
• Rupay / Visa Classic Debit Card
• Visa Contactless Debit Card
• Union Bank of India Business Platinum Debit Card
• UBI RuPay Select Debit Card

QSPARC Debit Card

1. The qSPARC debit card from Union Bank functions like a standard debit card
2. The card will also offer a service area to keep passes like a monthly metro pass, bus pass, toll pass, etc.
3. Daily cash withdrawal limit of Rs.25,000
4. Daily shopping limit of Rs.50,000
5. Accidental Insurance coverage: 2 lakh (Primary card holder) and 1 lakh (Secondary card holder)
6. Contactless Transaction Limit: Rs. 5,000 (per transaction)
7. Contactless Transaction Limit: Rs. 5,000 (per day)

RuPay/MasterCard/Visa Platinum Debit card

1. Card Variants: RuPay/MasterCard/Visa
2. Offers two  Airport Lounge Access Facility (2 per quarter) on Rupay Platinum debit card by spending Rs. 2
3. Issuance Fee: NIL
4. Daily Cash withdrawal: Rs.75,000
5. Daily Shopping Limit: Rs. 1,50,000
6. Accidental insurance coverage: 2 Lakh

Rupay / Visa Classic Debit Card

1. Card Variants: RuPay and Visa
2. Daily withdrawal limit is Rs.25,000
3. Daily shopping limit is Rs.50,000
4. Issuance Fee: NIL
5. The Union Bank of India Rupay Debit card offers as accidental issurance cover of Rs.2 lakhs to its users.

Visa Contactless Debit Card

1.  Average Quarterly Balance: NIL
2. Daily withdrawal limit is Rs.25,000
3. Daily shopping limit is Rs.50,000
4. Contactless Transaction Limit: Rs. 5,000 (per transaction)
5. Contactless Transaction Limit: Rs. 5,000 (per day)
6. Issuance Fee: NIL
7. Accidental insurance coverage: 2 Lakh

Business Platinum Debit Card

1. Current account users of the Bank are eligible to apply for the "Business Platinum Debit Card" on the VISA platform.
2. Visa lounge entry program are given two complimentary visits each quarter to any airport lounge.
3.  Average Quarterly Balance: NIL
4. The daily withdrawal limit of this card is Rs.1,00,000
5. Daily shopping limit is Rs. 3,00,000
6. Issuance Fee: NIL
7. Yearly Charges: Rs. 500 (plus GST)

UBI RuPay Select Debit Card

1. The UBI RuPay Select Debit Card has a daily withdrawal limit of Rs.1,00,000.
2. It offers airport lounge access to its users and has collaboration with many merchants that offer various discounts to its users.

Sparsh Braille Card

1. The Braille features and cutting-edge design of the card make it simple for people who are visually impaired to use.
2. Raised Braille circles are a feature of the Union Sparsh Braille Debit Card.
3. Individuals who are visually impaired can easily distinguish between the cards of various banks thanks to the embossed dots on this card.
4. The Braille letter "U" is tactilely appropriate and acts as a quick indicator that the card was given by Union Bank of India.

IRCTC Union Bank Prepaid Card

1. In partnership with IRCTC, Union Bank of India has launched a prepaid card under the name "IRCTC UBI Prepaid Card."
2. Customers of UBI can use the card to purchase train tickets on www.irctc.co.in.
3. It has categorized into two types: virtual cards and actual cards.

How to Apply for Union Bank of India Debit Card

Follow the steps mentioned below to apply for Union Bank of India debit card -

Step 1: If you are an existing account holder of the bank, you can download the form from the app and submit the filled form at the nearest Union of India bank.

Step 2: New customers can contact the nearest branch to open a debit card account.

Generating a New ATM PIN for a Union Bank debit card

IVR

Union Bank allows its customers to change their ATM PIN through the bank's Interactive Voice Response (IVR) system. Changing the PIN requires calling the bank's 24-hour helpline from the customer's registered mobile number and following the steps listed below:

Registration

1. Call one of the following call centre numbers:
   1. Toll-free: 1800-22 22 44/ 1800-208 2244
   2. Chargeable: 080-25300175/ 080-25302510
2. Choose the option for information on debit cards
3. Select the option for ATM PIN registration
4. Enter the 16-digit debit card number
5. Enter the expiry date of the card
6. Enter the bank account number linked with the debit card
7. Enter date of birth

Generating a new PIN

On registering with the bank's IVR service, the customer receives an 8-digit tracking ID through SMS on their registered mobile number. The steps listed below should be followed to regenerate a new ATM PIN:

1. Call one of the IVR numbers mentioned above.
2. Choose the option for generating a new ATM PIN.
3. Enter the 16-digit debit card number.
4. Enter the CVV number printed on the back of the debit card.
5. Enter the 8-digit tracking ID.
6. Enter the new ATM PIN and re-enter to confirm the new PIN.
7. If successful, the same will be confirmed by the IVR system.

The new Union Bank of India ATM PIN is activated instantly following the confirmation from the IVR.

Green PIN

Union Bank customers can also use the bank's Green PIN initiative to generate a new ATM PIN. This requires the customer to visit a Union Bank ATM and follow the instructions listed below:

1. Swipe the debit card in the machine and select the option to generate a new ATM PIN through the Green PIN method.
2. An OTP is then sent to the registered mobile number.
3. Once the OTP is entered, the new ATM PIN can be set.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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