United Bank of India Credit Card – How to Apply?

Looking for a credit card with a host of features and exclusive rewards? With a United Bank of India Credit Card, you get to enjoy incredible merchant discounts, cash back privileges and a lot more.


Plus, you get comprehensive insurance coverage of up to 2 Lakhs! It is a powerful card you can have and use wherever you are in the world.

Read on to learn how you can apply for a United Bank of India credit card…


Looking for a credit card with cash back privilege and get comprehensive insurance cover, then get United Bank of India Credit Card now! Here's how to apply:

United Bank of India Credit Card Features & Benefits

To simplify the features and benefits you can enjoy from a United Bank of India credit card, let’s take a closer look at the United Pragati Rupay credit card

Spending without cash is easy when you have this credit card. The select cash back feature lets you earn more with a back percentage of the money you spend purchasing groceries, fuel and more. Imagine earning money back every time you shop and dine – totally worth it!


If you’re someone who loves to shop, you definitely need this card. Enjoy exclusive offers and discounts every time you spend a specific amount. Soon you may also be able to use your credit card when you shop abroad, as the United Bank of India plan to issue cards in association with international service providers like Visa and Mastercard.

Once you have your hands on a credit card like this, you can enjoy special privileges and perks.

Speaking of security and protection, the United Pragati Credit Card comes with comprehensive insurance cover to protect you and your family from accidents and permanent disability.

The United Bank of India also provides 24/7 concierge services to help in the case of any incident. Lost a card? Call the hotline and deactivate the credit card. Noticed unauthorized transactions? Get help from the bank representative and deactivate the card. You can also call the hotline for hotel reservations, travel assistance and other concerns.

Applying for a United Bank of India Credit Card

To apply for the United Pragati Rupay credit card, you need to have an existing account, and this must be satisfactorily maintained for a year. You also need to be at least 21 years of age and a taxpayer of more than Rs 20,000 annually.

The annual income required to apply for this credit card is Rs 4.00 lacs in the last two financial years. Make sure you bring with you copies of salary statement for the last 6 months.

If you are self-employed, you must present your ITR in the last two years, together with a bank statement in the last 6 months.

Fill out the credit card application form found on the United Bank of India website, compile the required documents and visit your nearest United Bank of India branch.

If your application is approved, the bank will determine your credit limit based on your financial standing. Depending on which card you choose, this could be anywhere from Rs. 10,000 to Rs. 200,000.

United Bank of India Credit Card Fees and Charges

The following charges are in association with the United Pragati Rupay credit card.

  • Issuing Fee – Rs 500
  • Annual Fee – Rs 500
  • Interest Rate – 2.5%
  • Late payments after the 45 days grace period will be charged Rs 590
  • Cash advances carry a finance charge of 2.5% per month, until the date of full payment
  • Cash advances also carry a fee of 2.5% of the withdrawn amount or a minimum charge of Rs 300, whichever is greater

How to Contact the Bank

If you would like to contact the bank about this offer, you can call them at 1800-345-0345. You can also find their main address at 11, Hemanta Basu Sarai, Kolkata-700001.


Overall, the United Bank of India credit card, particularly the Pragati Rupay Credit Card is a valuable card to have, giving you a breadth of perks and rewards. Earn points as you spend to redeem exciting prizes and privileges. Apply now!

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.