Rupay Platinum Credit Card Statement

GSTIN : 36AAACU0564G3ZG

Name : DIPENDRA PATRA

Customer ID : 11240880 Statement Summary : A2311161199383
Address : C/O-SURENDRA PATRA Statement Date Credit Limit (INR) Available Limit (INR)
NUASASAN,ATHAGARH Oct 25, 2023 88,000.00 70,999.23
CUTTACK-754027
CUTTACK -754031
Min. Payment Due (INR) Total Dues (INR) Due Date
860.00 17,000.77 Nov 14, 2023
A2311161199383 * Available Credit Limit is excluding your EMI Outstanding if any

Credit Card VPA : cc11240889@ubicard Account Summary :

Opening Balance(-) Payments/Credits(+) Purchases/Debits(=) Total Dues
0.00 45.01 17,045.78 17,000.77
Scan & Pay your Credit
Card Payment using
Important Information : As per regulatory guidelines on e-Mandate based recurring
any UPI based Mobile transactions, now Credit Cardholders can set recurring transactions at Merchant website / App .
T and C Apply.

App for instant Credit Download Union Credit Card APP for enhanced features like Card activation, PIN Generation,
Payment channel control, Latest transaction details, Statement generation, Virtual Card Creation
etc. To download visit Play store / App store.

Transaction Summary

Date Ref Num App Code Narration Amount (INR)

6530 XXXX XXXX 4881 - TUSHARKANTA SWAIN
25-09-2023 0 Opening Balance 0.00
28-09-2023 U23273028584 WH9378 Paytm 843.00
01-10-2023 U23277020362 WR7543 Boyanika 1,109.00
02-10-2023 U23277079672 WT7269 M S Sadgurudev Fle 3,909.62
04-10-2023 U23279052999 W09900 Santosh Kumar And 320.59
04-10-2023 U23279053238 W08723 Kalinga Servicentr 329.81
06-10-2023 U23282025863 W46390 Paytm 929.50
07-10-2023 U23283012938 W99864 Zunogiltd 9,377.46
22-10-2023 U23298068364 YH9334 Shree Shree Achyut 10.00
22-10-2023 U23298065585 YH9334 Shree Shree Achyut 215.00
25-10-2023 U23298231901 Fuel Surchg Rev 45.01 CR
25-10-2023 U23298068364 YH9334 Gst 1.80

For Reward points and redeemption process please visit https://www.unionrewardz.com or Union Rewardz Mobile App

Union Bank of India, 2nd Floor, Koti, Sultan Bazaar, Hyderabad 500 095. Toll FREE NO : 1800-425-1515.
 Guidelines to Cardholders
General :
●Intimate change of address promptly mentioning the card number by a separate mail to
ccdhelpdesk@unionbankofindia.bank with valid address proof from your registered mail id
for incorporating the same in our records.
●Till the address is changed, you may please collect the bills from old address.
●The lien on the goods purchased through cards rests with the bank till the amount is paid
by the cardholder.
●The bank shall not be liable in any way in case the card is not accepted by the merchant.
●The liability on your card should not exceed the card limit at any point of time else charges
will be levied.
●In case any of your personal details are to be changed. You can update the same by
sending a mail to ccdhelpdesk@unionbankofindia.bank with supporting documents from
registered mail ID or Visit your Union Bank of India Branch.
●In case cardholder wishes to change the billing cycle, Please visit
https://unioncards.unionbankofindia.co.in Terms and Conditions apply.
Grievance Redressal :
●For Grievance Redressal,you may call to Mr. Devdatta Puranik, Grievance Redressal
Officer at 040-24683211 or raise complaint through email id:
ccd.grievances@unionbankofindia.bank
Payments :
●Customers can make payment through Internet Banking, UMobile App, Branch and Non-
Union Bank Customers can make payment through NEFT, RTGS, IMPS, UPI, BillDesk etc.
For detailed procedure visit our site https://unioncards.unionbankofindia.co.in under
payment options
●Use your Credit Card VPA or QR code dispalying in the Bill for making payments through
any UPI based apps like BHIM UPI etc.
●Making only the minimum payment every month would result in the repayment stretching
over years with consequent interest payment on your outstanding balance.
●Cheques/ Drafts should be made in favour of UNION CREDIT CARD followed by 16 digit
card number and name. "Please ensure your payment is received at our end atleast 3
working days prior to the Payment Due Date." Payments received after the payment due
date shall attract service charges @2.95% on outstanding balance plus GST.
●Our account holders have option to opt for auto debit wherein balance gets transferred
from UBI account to card account on due date of every month.
●You can pay your credit card bills at any of our branches.
●Non-Union Bank Customers can pay through NEFT. Procedure : Beneficiary A/c No. - 16
digit Credit Card number to be given in place of Account No., IFSC code - UBIN0807826,
Branch name - Credit Card Department, Union Bank and Beneficiary Name - Card Holder
Name.
●The card shall be activated on merits on payment of the required amounts and intimation
to Credit Card Department.
●Please note that non-receipt / Delay in receipt of bills shall not entitle for waiver of service
charges. In Case of delay/non receipt of bills please pay as per charge slips available with
you. You may contact on the Toll Free No 1800 425 1515 for getting your billing information
●Payments will be treated as made on the date of actual receipt by CCD.
●Request for re-presentation of dishonored cheques will not be entertained.
●Do not send outstation cheques, which attract collection charges on delay in crediting your
card account, there by resulting in levy of service charges and GST.
●Don't make any settlement of the card transaction with merchant directly.
●Bank has appointed recovery agents for recovery of credit cards . Payments shall be made
to them through crossed cheques duly mentioning the card number.
● In case of mis-selling or harassment by Recovery Agents / Bank's representatave, card
holder may raise the complaint via email to ccdrecoveries@unionbankofindia.bank or call to
040-24683241
●Please send your payments separately for each card.
Billing Dispute :
●In case of a dispute, cardholders shall inform us within 30 days of the settlement date, to
enable the bank to take up for verification. Card present environment transaction shall be
treated as bonafide usage as per Rupay / VISA / Master Card regulations. Hence keep your
card in secured place.
Rollover Credit Facility :
●2.50% per month for on the unpaid balance, if Minimum Payment due received by due
date.
●2.95% p.m. in case Minimum payment due is not made within due date.
Merchant Transactions :
●A "STOP PAYMENT" cannot be placed on a credit card purchase. Any discrepancy in the
transaction in your monthly bill should be brought the notice of CCD Hyderabad within 30
days from the date of bill. Any delay, result the bank unable to rectify the entry as the
processing of the card transaction are strictly TIME BOUND.
●In some cases the tracing name of the merchant may differ from the registered company
name. This does not invalidate the transaction amount . Identify the transaction with that of
the chargeslip amount. If you have no record of the transaction, Copies of the said vouchers
and past statements can be obtained from us at charges applicable which will be debited to
your card account. Preserve your chargeslips and bill copies till they are billed for your
record.
●Ensure that the transaction amount is written in WORDS also on the chargeslip.
●Avoid usage of credit card at unsecured website for internet transactions, as it is risky.
Second Factor Authentication for Online Transactions.
●For online transactions cardholder will receive OTP on his/her registered Mobile Number.
●Never Disclose OTP to anyone, bank will never ask to verify such particulars.
●To get pre-OTP for IVRS transactions, please send SMS to 7836884400 from registered
Mobile number in the following format (XXXX represents last 4 digits of Card Number)
PREOTPCC<space>XXXX
Union Bank of India, 2nd Floor, Koti, Sultan Bazaar, Hyderabad 500 095. Toll FREE NO : 1800-425-1515.
Railways :
●Purchase and cancellation of Railways Tickets are two different transactions.
●Credit for cancelled tickets will be made only after receipt of credit from Railways.
●Booking of Railway Tickets attracts handling charges @1.5% which is included in the
monthly bill. This is besides the charges levied by Railways.
Charges :
●Bank shall levy charges to the cardholder account with a minimum of Rs. 150 issuance of
notice, either by the bank or through Advocate, for recovery of card dues or any other
matter related to the credit card.
●Please refer to https://unioncards.unionbankofindia.co.in for fees and charges based on
Card variants for more details.
●Fees and charges are subject to change as per Bank's discretion from time to time.
GST :
●W.e.f 01.07.2017, GST @ 18% shall be applied on all the fees and other charges.
Renewals :
●Youneed not send your expired card for Renewal . Renewal of card is automatic,
PROVIDED THE ACCOUNT HAS RUN SATISFACTORILY.
Lost Cards :
●Preserve the card carefully . In case card is lost, lodge police complaint and report the
same in writing to CCD, Hyderabad along with FIR Copy immediately. You shall be liable for
all transactions of LOST CARD upto 30days from the date of receipt of your written
complaint. Please also intimate the loss of card to the Helpdesk by Email/Phone.
Insurance :
●Group Accident Insurance Cover is available to the card holder at an option with nominal
payment of premium through the card account by giving the consent. The eligible age group
for group Accident Insurance coverage is 18-70 years. Cardholders having more than one
credit card of our Bank shall be eligible for Insurance coverage of one Main Card and its
ADD-ON cards only. Union Bank of India is only a facilitator in settlement of Insurance
claims and Bank is not liable in this matter whatsoever. The Card holder further
acknowledges that the insurance benefits so provided will be paid only after the adjustment
of card dues.
● Sum Insured for Accidental Insurance coverage for different card variants upon option of
cardholder on payment of Insurance premium :
1. Visa Gold : Rs 5.00 lac
2. Visa Platinum/Rupay Platinum : Rs 10.00 lac
3. Visa Signature/Rupay Select : Rs 30.00 lac
Address of Insurance Company :
M/s New India Assurance Co Ltd.
Regd & Head Office : New India Assurance Bldg., 87 MG Road,Fort Mumbai-400001 Toll
Free No : 1800 2091 415
● For the Rupay Card Variants , NPCI is offering free accidental Death Coverage as follows
:
1. Rupay Platinum : Rs 2.00 lac(Premium borne by NPCI for primary and add on cards)
2. Rupay Select : Rs 10.00 lac(Premium borne by NPCI for primary and add on cards *
Additional Rs 30lac(Premium borne by Card Holder)
3. UNI CARBON : Rs 10.00 lac(Premium borne by NPCI * Additional Rs
10lac(Premium borne by Card Holder)
Address of Insurance Company :
M/s TATA-AIG General Insurance Co. Ltd.
A-501, 5th floor,Bldg No-4,Infinity Part,Dindoshi,Malad [East] Mumbai-400097 Email :
rupayinsurance@npci.org.in
●For other Insurance details please visit https://unioncards.unionbankofindia.co.in
Cash Back Rewards :
●Cash back Rewards program revamped w.e.f 01.04.2021, for T & C please visit Credit
Card Online Portal
Disclosure
●Union Bank of India may tie up with credit bureaus authorized by the RBI and will share
credit information including but not limited to your current balance, payment history etc
along with your demographic details with these credit bureaus on a monthly basis, as per
the Credit Information Companies (Regulation) Act, 2005. The credit bureaus only provide
Factual credit information and do not provide any option, indication or comment pertaining
to whether credit should or should not be granted. It is in your best interest to maintain a
good credit history by paying the necessary dues in a timely manner. With credit bureaus in
place, responsible customers can expect faster and more competitive services at better
terms from the Credit Grantors. Default by customers would be available with the credit
bureau, which in turn could impact your credit worthiness for future requirements.
● The Charges mentioned above is subject to change as per Bank's discretion from time to
time. For Latest Information visit our site https://unioncards.unionbankofindia.co.in
● Bank's official number to recieve ONLY SMS related to Union Bank cards from
cardholder's registered mobile number is 7836884400
Regarding Card and PIN :
● Never respond to any E-mail, SMS or Phone Call seeking your personal information such
as credit card details, username, password, mobile no etc. Union Bank of India will never
call to verify such information.
● Do not hand over your card to anybody even they claim to represent Union Bank of India.
● Remember the PIN & DO NOT NOTE Anywhere.
● NEVER share PIN whith anyone.
● While entering PIN at POS/ATM cover the keyboard with other hand.
● Cardholder can generate PIN through Union Credit Card App/Union Online Credit Card
Portal/Mobile Banking App/Internet Banking/ATMs.
Regarding Internet Transactions :
● Donot respond to unsolicited phone calls or emails. Union Bank of India people do not
make calls or send emails.
● Buy Goods / Services from legitimate and reputed merchants. Save copy of the purchase
order containing terms of sale (like date of deliver, return policy, procedure to follow in case
of damage of goosds or ordered goods not delivered, insurance policy, if transaction is
recurring - no of installments etc. Before buying go through the terms of sale.)
● Prefer buying with VBV / MasterSecure / PaySecure Passwords.