Union Bank of India Credit Card Against FD

Key Highlights of Union Bank Credit Card Against FD

The table below shows the key highlights, deposit requirement, credit limit, fees and other significant details of the Union Bank Credit Card against fixed deposit:

*Card terms last verified as on August 26, 2026.

Union Bank Secured Credit Card Variants & Credit Limits

The NEXTERIA Credit Card requires a minimum term deposit of ₹10 lakh and has a base credit limit of ₹2 lakh, subject to the bank’s applicable terms.

A CIBIL score is not required when the credit card is issued against a fixed deposit.

Why Choose a Credit Card Against FD from Union Bank?

The NEXTERIA Credit Card combines rewards, travel, hospitality and lifestyle benefits. Key benefits include:

• Reward points: Every ₹125 spent on eligible transactions will give the user 5 reward points, and other milestone rewards exist as well.
• Lounge access: The primary cardholder has unlimited domestic and international lounge access, and may make two visits to the family lounge per quarter, including up to three accompanying family members, under applicable terms.
• Insurance coverage: The insurance benefits are the personal accident, air accident and purchase protection and it is covered under the terms of the applicable policy.
• Concierge services: Access 24x7 concierge service, emergency cash services and travel service.
• Golf benefits: Four free domestic golf lessons or rounds each year at eligible locations.
• Hotel Luxe membership: Take advantage of great benefits like a free breakfast, upgrade of rooms, early check-in and late check-out in the eligible international hotel chains, depending on availability.
• Milestone rewards: Get extra rewards when you spend on a monthly and annual basis such as up to 15,000 annual milestone reward points.

Eligibility Criteria for Union Bank FD Backed Credit Card

The Union Bank credit card against FD eligibility are as follows:

• Minimum FD: A credit card against a term deposit will need a minimum deposit of ₹10 lakh.
• Income: The standard eligibility criteria require a gross annual income of at least ₹25 lakh.
• Age: The applicants should be between 21 and 65 years of age. In the case of credit card against lien on a term deposit, the minimum age is 18 years and there is no maximum age limit.
• CIBIL Score: The standard criteria requires a CIBIL score of 700 or higher. This is not necessary when the card is pledged against a term deposit.
• Credit Limit: The base credit limit is ₹2 lakh, while the final sanctioned limit is subject to the bank’s assessment.
• Underwriting: Age, income, card limit and other details are evaluated according to existing policies and SOP guidelines of the Union Bank.

Documents Required for Union Bank FD Backed Credit Card

Applicants might be requested to provide:

• PAN or other tax identification document.
• Authentic identity and address documents.
• KYC documents
• Fixed deposit details
• Any other documentation demanded by Union Bank

How to Apply for Union Bank Credit Card Against FD

To obtain a Union Bank credit card against FD, follow the following steps:

• Maintain an FD: Maintain an eligible fixed deposit in Union Bank of India.
• Visit the Branch: Visit the branch where you have your FD and request them to give you the application form of the FD-backed credit card.
• Submit Documents: Present the application form, duly filled, PAN card, passport-size photographs and valid KYC documents.
• Lien Placement: The bank puts a lien on the fixed deposit to secure the card, while the deposit continues to earn interest as per the applicable Union Bank of India FD interest rates.
• Verification: Union Bank verifies the application and supporting documents and processes the card.
• Card Issuance: The credit card is issued with approvals and within the processing and delivery schedules of the Union Bank.