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Latest Guide on How to Apply for a Union Bank Credit Card

By Oluchukwu Ikemefuna

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One of Nigeria’s leading financial institutions, Union Bank, now offers credit cards as part of its royalty banking service. This means that you can apply for a Union Bank credit card either as a new or existing customer of the bank. 

Picture Source: Union Bank on X

Credit cards offer more flexibility by allowing you to make transactions now and pay later. You also get to enjoy multiple benefits, such as interest-free periods, rewards programs, and enhanced security features.

This blog explores everything you need to know about Union Bank credit cards. From the application process to understanding the benefits of the card, we will unravel all you need to get started.

Understanding Union Bank Credit Cards

With Union Bank’s Royalty Banking Service, you can now request a credit card. These cards can be used both domestically in Nigeria and abroad because of their Naira denomination. For easy transactions, you can therefore always utilize them when you are going outside of the nation.

One key benefit of Union Bank credit cards is their interest policy. Union Bank will only charge interest on your card’s outstanding balance, so you don’t have to worry about accumulating unnecessary charges. 

Union Bank Credit Cards offer an additional layer of security for online purchases with their second-level authentication feature. To prevent illegal use of your card information, you will obtain a One-Time Password (OTP) when you make transactions online.

Features and Benefits of Union Bank Credit Cards

With a Union Bank credit card, you can do a lot of things both locally and abroad. In addition, this card has additional advantages in terms of warranty, interest, and security. Here’s what to anticipate:

  • Interest-free period: You will not be charged interest on point-of-sale or online transactions for a maximum of 45 days after you receive your credit card.
  • Flexible interest rate: Only the amount you’ve utilized will be subject to interest charges. You can control your costs if you’re cautious with your expenditures.
  • Airport lounge access: Increase the comfort of your travels by gaining access to airport lounges across the globe.
  • Cash withdrawals: In addition to assisting when you make payments later, your card entitles you to cash withdrawals from ATMs both domestically and abroad.
  • Convenient payments: Paying for necessities online or in-store is quick, easy, and secure when you use a Union Bank Credit Card.
  • Global emergency assistance: If you have a Union Bank credit card, you can get emergency assistance from anywhere.
  • Exclusive services: Receive access to concierge services for help with reservations, bookings, and other individual needs.
  • Travel insurance for several trips: Protect yourself by purchasing travel insurance for several trips.
  • Purchase protection: You can shop with confidence knowing that your purchases are protected from theft or damage.
  • Extended warranty: Take advantage of coverage for your goods’ extended warranty.

Application Requirements for Union Bank Credit Cards

To apply for a Union Bank credit card, you’ll need to gather a few important items:

  1. Duly completed application form: Fill out the application form provided by Union Bank with accurate information. Fill in all necessary fields to avoid delays in processing.
  2. Requisite documents: Along with your application form, you’ll need to submit the necessary documents, such as:
  • Payslips.
  • Collateral Form 
  1. Submission process: Once you’ve completed the application form and gathered all necessary documents, submit them to your Relationship Manager at Union Bank. They will guide you through the submission process and ensure that all required documents are in order.
  2. Approval notification: After submitting your application, you’ll receive an SMS notification once your credit card request is approved. This notification will confirm that your application has been successful and is moving forward in the approval process.
  3. Card processing time: It will take 5–7 working days after approval for your card to typically be ready. During this time, the bank will process your application, finalize the details, and prepare your card for issuance.

How to Activate Your Union Bank Credit Card 

You can activate your Union Bank credit card in a few easy steps:

  1. Through Your Relationship Manager:
  • Reach out to your Relationship Manager at Union Bank.
  • They will assist you in activating your card, ensuring a smooth process.
  • Once you have activated your card, you can start using it for your purchases.
  1. Via the 24/7 Contact Center:
  • Call Union Bank’s 24/7 Contact Center at 07007007000.
  • Follow the prompts to activate your credit card.
  • Once your card is activated over the phone, you’ll be instructed to set your preferred PIN at an ATM.
  1. Set your PIN:
  • Head to any Union Bank ATM, after activation
  • Insert your credit card into the ATM and follow the on-screen instructions.
  • You’ll be prompted to set your preferred PIN, ensuring added security for your card.

Step-by-Step Application Process

You can apply for your Union Bank credit card by either walking into the bank or completing an application online. 

Online Application Process:

  1. Visit Union Bank’s website: Using your computer or mobile device, log in to the Union Bank website and navigate to the section dedicated to credit card applications. Home>Royalty Banking>Credit Cards
  2. Select the desired credit card: Now, on the credit card page, scroll down and click on Apply Now.   
  3. Fill out the application form: Fill out the online application form and provide accurate information as requested
  4. Upload the required documents: Scan or take clear photos of the necessary documents, such as payslips or identification. Upload these documents securely through the online application portal as per the instructions provided.

Offline Application Process 

  1. Visit the nearest Union Bank branch: Locate and visit the nearest Union Bank branch in your area to begin the offline application process.
  2. Request a credit card application form: Meet a bank representative and request a credit card application form. 
  3. Fill out the form manually: Take your time to carefully fill out the application accurately and legibly.
  4. Submit the form along with the necessary documents: Once you’ve filled out the form, gather all the required documents.

Conclusion

To sum up, the Union Bank credit card application procedure is straightforward. Whether you are applying online or in person at the bank, all you need to do is to get yourself acquainted with the process as outlined in this article. 

Also, visit the Union Bank website or the closest branch close to you for more information and updates. 

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Peremoboere Numa
Peremoboere Numa

Pere is a versatile SEO writer with a Master's degree in English, who is dedicated to creating engaging and impactful content.

She excels in weaving content that not only informs, enlightens and impacts but but also optimize its online presence to rank on major web sites.

Pere brings a unique blend of linguistic proficiency and SEO knowledge, ensuring that each piece she crafts leave a lasting impact.

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