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Union Bank of India Credit Card Reward Points

With the growing number of players in the banking industry, it has become important for banks to retain their customers with various schemes, offers and rewards system. Union Bank of India has come up with a loyalty program that believes in adding value to its users and give an enriched banking experience. The members of this loyalty program get to earn Union Bank of India reward points on all transactions made through the Union Bank of India credit card at POS (Point of Sale) or e-commerce outlets. The accumulated Union Bank of India credit card reward points redemption can be done later against merchandise and many other services.

How can I earn Union Bank of India credit card reward points?

Union Bank of India enrols all credit card holders into the Union Rewardz loyalty program. This entitles your eligibility to earn Reward points as and when you use the credit card for transaction. However, it is mandatory to register yourself on the loyalty program website to redeem the points against merchandise, movie tickets, travel options or gift vouchers. Once you are enrolled as a member, you can earn rewards from Union Bank of India by simply using the card to pay for your purchases. The credit cards that share the same Customer ID will have total points in a single Union Rewardz membership account. The steps for registering is simple on the loyalty program website wherein you click on "First Time User” and fill out some basic details as required. After this, you are officially enrolled as a loyalty member and can start earning reward points.

The Union Bank of India offers a credit card that gives unparalleled benefits in comparison to other credit cards in the market. You can earn Union Rewardz with Union Bank of India credit card in the following ways:

  • As a Union Bank of India’s Credit Card holder, you can earn & accumulate Union Points for all your spends at Point of Sale (POS) and online purchases using Union Bank of India’s Credit Card.
  • Each Union Point is valued at Rs. 0.25
  • All Union Bank of India Signature Credit Card holders get 4 points per Rs. 100 spent.
Credit Card (other than Signature Cards)
Slab AmountPoints per Rs. 100/-
Upto Rs. 100001 point
Rs. 10001 to Rs. 30000/-1.5 point (Bonus 0.5 Union Point only applicable on amount spent from Rs. 10001/- to Rs. 30000/-)
Rs. 30001 and above2 point (Bonus 1 Union Point only applicable on amount spent above Rs 30001/-)

How does Union Bank of India credit card reward points redemption work?

The Union Points can be redeemed by logging into your membership account on the loyalty program website. You will need to have a minimum of 100 points to make the first redemption. You can use these points to redeem a variety of merchandise like movie tickets, air tickets, gift vouchers and many more. The Union Bank of India updates this redemption list on a regular basis. You will need to redeem the Union Points within 3 years of earning them, after which it will expire.

You can regularly check the summary of one’s Union Rewardz account balance by logging into your loyalty program account.

What you can redeem from Union Bank of India Rewards Points

Members of the Union Rewardz program can redeem their points to get merchandise, tickets and gift vouchers that are listed on the Union Bank of India credit card reward points gift list. It includes:

1. Merchandise

  • Automotive Accessories
  • Books & EBooks store
  • Charity
  • Devotional
  • Electronics
  • Gifts
  • Handbags & Accessories
  • Home & Kitchen
  • Jewellery
  • Personal Care
  • Sports, Games & Toys
  • Stationery
  • Travel

2. Movie Tickets

3. Bus Tickets

4. Airline Tickets

5. Jet Privilege

6. Mobile & DTH Recharge

7. Credit card payment

The MRP mentioned on the merchandise is inclusive of shipping costs. The Union Points are also inclusive of the shipping costs. The above mentioned Union Bank of India credit card reward points catalogue is dynamic and gets updated on a continuous basis. New products and services get added and some existing ones get removed. A minimum of 100 points are required to use the Union Bank of India reward points redemption

Terms & Conditions for Union Rewardz Points

Signing Up

Membership access to the Site and the Union Rewardz program is open to all individual holders of an [savings or current bank] account with Union Bank of India. Your membership of the Site shall run coterminous with your membership of the Union Rewardz program subject to your conformance

Changes

Union Bank of India may revise these Terms at any time without prior notice by updating this page and such revisions will be effective upon posting to this page. Please check this page periodically for any changes. Your continued use of the Site following the posting of any revisions to these Terms will mean you accept those changes. The bank reserves the right to alter, suspend or discontinue any aspect of the Site, including your access to it. Unless explicitly stated, any new features, merchandise or services will be subject to these Terms.

Proprietary Rights

The platform of Goods and Services will remain dynamic. There will be new goods and services being added continually to keep the redemption options refreshed for you.

Union Points

Earning: Union Points can be accrued by making payments using your Bank of India ATM cum Debit Card and your Bank of India Credit Card at point of sale for offline and online purchases. Union Points earned by you will be credited to your account in 7 working days.

Redemption: You need a minimum of 100 Union Points to start redemption. Redemptions can be made either on Union Points website or by calling the Union Points customer care.

Expiry: If not redeemed, Union Points accrued on your card will expire after 36 months, excluding the month of accrual.

Pricing and Other Errors: If the number of Union Points you redeem for a product or service is incorrect, regardless of an error in the number of Union Points posted on the Site or otherwise communicated to you, or if you are able to redeem a product or service that was not supposed to have been released for redemption, then the bank or the Partner will have the right to cancel that redemption and refund to you the Union Points that you redeemed. This will apply regardless of a human/logical/transactional error.

Final Discount: Any discounts available to you as a member of the Union Points Program cannot be used in conjunction with other discounts or special prices available to you through other promotional schemes run by the store or other organizations. However, the Points accrued through such purchases will be credited to your account, if such purchases meet all eligibility criteria for Points accrual.

The membership of the Union Points Program may be subject to additional terms and conditions stated on the Site on specific pages relevant to a feature, service or offer. These include terms governing the accrual, redemption and expiry of your Union Points that override the above three provisions.

Indemnity

Whenever you use your Credit Card in order to obtain or utilise any of the benefits, facilities or arrangements offered or available as a result of your membership of the Union Points Program, you will be personally liable for any and all costs, charges, claims or liabilities of whatever nature arising from use of such benefits, facilities or arrangements.

Other Restrictions on Conduct

You shall not assign these Terms or assign any rights or delegate any obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without the bank’s prior written consent. Any such purported assignment or delegation by you without the bank's prior written consent will be null and void and of no force or effect, unless otherwise expressly consented to by the Company at its sole and absolute discretion.

Frequently Asked Questions

1. Can I join Union Rewardz if I live outside India but I am an Indian citizen?

As long as you hold a Union Bank of India Debit/Credit Card, you can join Union Rewardz

2. Where can I earn Union Points?

You can earn Union Points anywhere in India and overseas by making payments using your Union Bank of India Debit/Credit Card.

3. Can I combine Union Points and cash for redemption?

No, you cannot combine Union Points and Cash for redemption.

4. What should I do if the reward merchandise has hidden damage or is found to be defective?

In the unfortunate event that this happens, please call Customer Care on 1800-108-8000 (Toll Free) within one business day from the delivery of the product, in order to report the same. The article shall be replaced.

5. What should I do if the reward merchandise delivered to me is not what I ordered?

In this case, please call Customer Care on 1800-108-8000 (Toll Free) within one business day of the delivery of the product, in order to report the same.

6. Will I receive a statement of my Union Points and activities?

Yes, a monthly statement will be sent to all Union Rewardz members through email or you can visit the website to see your statement. Please visit the loyalty program website or call the Customer Care to provide with your latest email id and mobile number.

7. How do I unsubscribe?

You are automatically enrolled in the Union Bank of India Union Rewardz program if you are a Union Bank of India Debit/Credit card holder. However, if you do not want to subscribe to the program, you can choose not to activate your membership. If you have activated your membership and would like to unsubscribe, please call the customer care centre.

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