Union Bank of India (UBI) offers several international debit cards with various features and benefits. They can be used for hassle-free transactions and secure payments abroad. UBI international debit cards are accepted by millions of merchants and ATMs worldwide. The card is available to all Union Bank savings or current account holders. You can apply effortlessly through Union Bank branches or online portals. Let’s explore more details in the blog.
Table of contents
- Union Bank of India International Debit Cards
- UBI International Debit Card Benefits
- Types of UBI International Debit Cards
- UBI International Debit Cards Limit
- Who is Eligible for UBI International Debit Cards?
- Documents Required for UBI International Debit Cards
- UBI International Debit Cards Lounge Access
- Union Bank International Debit Card Charges
- Steps to Apply for Union Bank of India International Debit Cards
- FAQs
Union Bank of India International Debit Cards
Union Bank of India International Debit Cards are available in all three variants- RuPay, Visa, and MasterCard. All 9 types offer a perfect blend of convenience, security, and flexibility. Transparent fees and clear terms provide a stress-free experience abroad by availing Union Bank of India Forex services.
These international debit cards are accepted at ATMs and merchant establishments worldwide. Most UBI debit cards allow cash withdrawals of up to INR 25,000 per day from ATMs. You can typically make up to five daily transactions, including both withdrawals and purchases.
- Certain Union Bank of India debit cards, like the Platinum and Signature variants, offer reward points on transactions, enhancing the value of everyday spending.
- Some of them provide access to airport lounges, allowing travellers to enjoy comfort before flights.
- The Green PIN facility enables you to generate their PINs at ATMs without needing a PIN mailer.
Also Read: Check out the details of Union Bank balance transfer for education loan here.
UBI International Debit Card Benefits
UBI International Debit Cards are the best. Whether you are a professional, student, senior citizen, minor, or salaried employee, you can easily find a card based on your needs. These cards offer multiple benefits for seamless transactions abroad.
- These cards provide added protection against fraud and unauthorized transactions as they are equipped with chip-and-PIN technology.
- You can use the card in multiple currencies without worrying about carrying cash or currency conversion issues.
- Most of these cards have no average quarterly balance requirements. Similar benefits can be availed via Union Bank of India zero balance accounts.
- You can shop at your favourite e-commerce websites globally with ease.
- You can link your card to mobile banking apps for real-time tracking and seamless payments.
- You can earn rewards on eligible transactions and redeem them for exciting offers.
- You get round-the-clock customer service which ensures assistance during card-related issues, including loss or theft.
Types of UBI International Debit Cards
Union Bank of India offers 9 different types of debit cards. These include classic debit cards, platinum debit cards, business debit cards, contactless debit cards, and debit cards for youth. However, only some of them offer international acceptance. Check out the types of UBI international debit cards in this section and explore their features and benefits.
| UBI International Debit Cards Types | Features & Benefits |
| Business Debit Card (Platinum) | – No average quarterly balance requirement – Accessible to different types of accounts – Secure transactions on the VISA platform – No issuance fee – Accidental death insurance up to INR 2 lakhs – Discounts of up to 25% via Visa’s commercial offers program |
| Classic Debit Card (Rupay / Visa) | – No average quarterly balance requirement – Accidental death insurance up to INR 2 lakhs – No issuance charges |
| Platinum Debit Card (Rupay / Visa/ Master) | – Offers enhanced features, including higher transaction limits – Provides reward points on purchases – Access to select airport lounges |
| Contactless Debit Card (Visa) | – Hassle-free contactless payments below INR 5,000 – Accidental death insurance up to INR 2 lakhs and up to INR 1 lakh for secondary holder – No issuance charges – No average quarterly balance requirement |
| Signature Contactless Debit Card (Visa) | – Access to airport lounges – 4 reward points for every INR 100 spent on POS/E -comm transactions – Accidental insurance for both primary and secondary cardholders – Waived annual maintenance charge s- Up to 5 contactless payments in a day |
| Rupay Select Debit Card | – Primarily a domestic card but has limited international acceptance – Access to top-tier gyms and wellness centres – Exclusive offers curated for an opulent lifestyle – 2 complimentary international lounge access per calendar year – 3 complimentary domestic lounge access per calendar quarter – Reward points on every INR 100 spent on POS/E-comm transactions – Personal Accident Insurance and Total Permanent Disability Cover up to INR 10 lakh |
| Rupay Jcb Platinum Urnro And Urnre | – Airport lounge access for eligible customers – Personal accident insurance cover of up to INR 50 lakhs – Reward points on every INR 100 spent on PoS and e-commerce transactions – No annual maintenance charges |
Also Read: Check out the details on Union Bank education loan processing time.
UBI International Debit Cards Limit
All UBI debit cards that can be used internationally have limits set on them based on the card type. You can only make purchases and withdraw cash from the ATMs abroad up to that limit. This section includes the international transaction and purchase limits-
| UBI International Debit Cards Limits | Purchase Limit | ATM Withdrawal Limit |
| Business Debit Card (Platinum) | INR 3 lakhs | INR 1 lakh |
| Classic Debit Card (Rupay / Visa) | INR 50,000 | INR 25,000 |
| Contactless Debit Card (Visa) | INR 50,000 | INR 25,000 |
| Signature Contactless Debit Card (Visa) | INR 1 lakh | INR 1 lakh |
| Rupay Select Debit Card | INR 3 lakhs | INR 1 lakh |
| Rupay Jcb Platinum Urnro And Urnre | INR 3 lakhs | INR 1 lakh |
Who is Eligible for UBI International Debit Cards?
To be eligible for Union Bank of India’s (UBI) international debit cards, applicants must hold a savings, current, or overdraft account with Union Bank of India. Minors must be above 10 years old and open a Union Bank Account for students online. Non-resident Indians (NRIs) are also eligible if they maintain an NRO or NRE account with UBI.
Check out the Union Bank of India international debit card-specific eligibility requirements-
| UBI International Debit Card | Eligibility Criteria |
| Business Debit Card (Platinum) | It is available only to current account holders who maintain an AQB of INR 1 lakh or above |
| Classic Debit Card (Rupay / Visa) | It is available to savings or current accounts with Union Bank of India |
| Platinum Debit Card (Rupay / Visa/ Master) | It is available to savings or current accounts with Union Bank of India |
| Contactless Debit Card (Visa) | It is available to all Union Bank of India account holders |
| Signature Contactless Debit Card (Visa) | It is available for individuals who meet the bank’s criteria for a savings account. |
| Rupay Select Debit Card | It is available to USSA II, USSA III, SBHNP, SBHNI & CDFFD customers |
| Rupay Jcb Platinum Urnro And Urnre | It is available for NRI customers who maintain a Quarterly Average Balance of INR 1 lakh and above in their Savings Bank Accounts under the Union Royal SB NRE (URNRE) and Union Royal SB NRO (URNRO) |
Also Read: This blog includes the details about the Union Bank of India Loan Repayment Plan. To know more about it read the blog.
Documents Required for UBI International Debit Cards
You need to provide KYC documents, such as a PAN card, Aadhaar card, voter ID, or other government-issued identification when applying for UBI international debit cards. However, there are other documents needed based on the type of card you wish to avail. Check the table below for the list-
| UBI International Debit Card | Documents Required |
| Business Debit Card (Platinum) | – Application form for Business/ Classic Debit Card for partnership firm – Application form for Classic/ Business Debit Card for Joint Hindu Family |
| Classic Debit Card (Rupay/ Visa) | – Aadhaar card, PAN card, Passport, Voter ID, Driving License, etc. – Recent passport-size photograph – Union Bank of India savings or current account details |
| Contactless Debit Card (Visa) | KYC documents, such as a PAN card, Aadhaar card, voter ID |
| Signature Contactless Debit Card (Visa) | Valid government-issued ID proof and address proof |
| Rupay Select Debit Card | KYC documents such as an Aadhaar card, PAN card, and address proof |
| Rupay Jcb Platinum Urnro And Urnre | – Valid proof of identity, address, and NRI status – Account opening form and the required initial deposit – Other necessary documents to open an NRI Savings Bank Account under the Union Royal SB NRE (URNRE) and Union Royal SB NRO (URNRO) schemes |
UBI International Debit Cards Lounge Access
Union Bank of India (UBI) offers several international debit cards that provide various benefits, including lounge access. These cards are designed to enhance the travel experience for users by allowing them to relax in comfortable airport lounges. Below is a list of UBI international debit cards that offer lounge access:
- Platinum Debit Card (Rupay / Visa/ Master)- Offers complimentary access to select airport lounges.
- Signature Contactless Debit Card (Visa)- Provides access to airport lounges and supports contactless payments for convenience.
- Rupay Select Debit Card- Provides 2 complimentary international airport lounge access per calendar year and 3 complimentary domestic airport lounge access per calendar quarter.
- Rupay JCB Platinum (URNRO and URNRE)- Provides complimentary lounge access to eligible customers.
Union Bank International Debit Card Charges
Union Bank of India (UBI) international debit cards come with various charges associated with their usage, especially for transactions conducted outside India. Here is a summary of the key changes related to UBI international debit cards-
| Particulars | Charges |
| Cash Withdrawals Abroad | INR 125 per transaction |
| Currency Conversion Charges | 2.5% of the transaction amount |
| Replacement of Debit Card | INR 100 |
| ATM PIN Regeneration | INR 25 |
| Non-Financial Transactions at Other Bank ATMs | INR 9 after five free transactions |
| Financial Transactions at Other Bank ATMs | INR 24 after five free transactions |
Some of these also have annual maintenance charges. Check the same for all the cards-
| UBI International Debit Card | Annual Maintenance Charges |
| Business Debit Card (Platinum) | NIL |
| Classic Debit Card (Rupay / Visa) | NIL |
| Contactless Debit Card (Visa) | NIL |
| Signature Contactless Debit Card (Visa) | INR 400 + GST, waived off if a certain amount of transactions are done |
| Rupay Select Debit Card | INR 400 + GST |
| Rupay Jcb Platinum Urnro And Urnre | NIL |
Steps to Apply for Union Bank of India International Debit Cards
You can apply for a Union Bank of India (UBI) international debit card online by downloading the application form for the international debit card from the UBI website. Complete the form and submit it at your nearest UBI branch. Alternatively, you can visit their official website and follow the given steps-
- Visit the Union Bank of India’s official website.
- Navigate to ‘Cards’ and click on ‘Debit Cards’.
- Explore the features and benefits of the UBI international debit card that suits your needs and preferences.
- Click on ‘Apply Now’ for the UBI debit card you wish to apply for.
- Click on ‘Apply for New Debit Card’.
- Enter your account number and captcha details.
- Fill out the information as asked and submit the form.
- You can then check your debit card status after 7 to 10 days, if not delivered.
This was all about UBI International Debit Cards. The unique features and benefits of these cards offer convenience, security, and rewards while managing their finances globally.
FAQs
Yes, Union Bank of India offers several international debit cards that can be used for transactions abroad.
UBI debit cards offer multiple benefits. These include global acceptance, lounge access, reward points on spending, and enhanced security features.
UBI offers various types, including Classic, Platinum, Business Platinum, Contactless, Signature Contactless, Rupay Select, and Rupay JCB Platinum cards.
Some cards have annual maintenance charges. These include the Signature Contactless Debit Card and Rupay Select Debit Card incur a charge of INR 400 + GST.
Required documents include KYC proofs such as PAN card, Aadhaar card, and additional documents based on the card type.
Yes, there is a currency conversion charge of 2.5% on transactions conducted abroad.
Immediately contact Union Bank’s customer service to report the loss and block the card to prevent unauthorized transactions.
You should immediately contact Union Bank’s customer service to report the loss and block the card to prevent unauthorized transactions.
Yes, there is a currency conversion charge of 2.5% on transactions conducted abroad.
Purchase limits vary by card; for instance, the Business Debit Card (Platinum) has a limit of INR 3 lakhs. Signature Contactless Debit Card (Visa) has a limit of INR 1 lakh and other Classic Debit Card and Contactless Debit Card have a limit of INR 50,000.
Yes, you can check your transaction limits through Union Bank’s online banking portal or mobile app.
You can apply for a Union Bank of India (UBI) international debit card online by downloading the application form for the international debit card from the UBI website. Complete the form and submit it at your nearest UBI branch. Alternatively, you can visit their official website and apply.
To learn more about education loans, the best bank accounts for students, forex, banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.
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