# Union Bank Credit Card — user reviews > 46 indexed App Store user reviews of Union Bank Credit Card by Union Bank of India, rated 4.70/5 from 38 ratings. - Source: https://appshunter.io/ios/app/union-bank-credit-card/id6471659226/reviews - App overview in markdown: https://appshunter.io/ios/app/union-bank-credit-card/id6471659226.md - Rating breakdown: 5★ 33 · 4★ 2 · 3★ 2 · 2★ 0 · 1★ 1 ## What do users think of Union Bank Credit Card? Overall sentiment: negative **Pros** - 👍 Credit card payment via Bill Desk is user friendly - 🚀 Quick remittance of credit card amount - 👍 Excellent service over the years - 👍 Fantastic platform for credit card analysis - 👍 One of the best in industry - 👍 Easy to use credit card app - 👍 Good app, enjoying all features - 👍 Good service, no extra charges - 👍 Excellent working **Cons** - 🐛 Virtual card not opening - 🐛 App not showing correct values - 🐛 Verification cannot be done, error messages - 🐛 Unable to reach server - 🐛 Transactions often declined - 🐛 App not working for months - 🐛 App not opening on iPhone - 🐛 Language barrier with customer care - 🐛 Transactions converted to EMI not converted - 🐛 Problematic to use, separate apps needed - 🐛 Tokenisation feature down for months - 🐛 Not user friendly, cannot pay through app - 🐛 Not receiving OTP for payment - 🐛 Security concerns with app download - 🐛 Points redemption process is a farce - 🐛 Login issues, password mismatch - 🐛 App interface needs to be more user friendly - 🐛 Transactions not updated on time - 🐛 App not working on Apple devices - 🐛 Worst app, useless, not compatible with eSIM - 🐛 No option to see Union Rewardz - 🐛 App stopped working - 🐛 App not working after update, shows error - 🐛 Login impossible, password not matching **Commonly reported bugs** - Virtual card not opening - App not showing correct values - Verification cannot be done, error messages - Unable to reach server - Transactions often declined - App not working for months - App not opening on iPhone - Transactions converted to EMI not converted - Tokenisation feature down for months - Not receiving OTP for payment - App not working on Apple devices - Login issues, password mismatch - Transactions not updated on time - App not working after update, shows error - Login impossible, password not matching - App not opening **Most requested features** - Update the app - Need more updates in app - Enhance my limit - Update to view latest transaction history - Kindly merge with Vyom app - Update with required security features - Modifications of the module of this App ## Newest reviews (10 of 46) ### 2/5 — Payment via Bill Desk *2025-03-01* Credit card payment via bill desk is user friendly ### 5/5 — Easy to use *2024-03-21* The credit card app is really easy to use. No confusion and things can be clearly seen. ### 5/5 — Linking the account *2024-03-21* I have taken union bank credit card so that monthly bill will be collected from my account with union bank. They did it for few months and started fining every month. Neither did they inform me of my due by registered mail or mobile but they collected a fine every month. I have written many times to the bank without any proper action. Not a good governance. ### 1/5 — Features unavailable *2024-02-27, version 3.2.3* Tokenisation feature has been down for months on Visa cards and nothing has been done to rectify it. ### 1/5 — Not user friendly *2024-02-23, version 3.2.3* Worst possible experience through this app. Less user friendly. Can’t even pay through this. ### 1/5 — NOT RECEIVING OTP FOR DOING TRANSACTION *2024-02-16, version 3.2.3* I am not receiving OTP for payment. Tried to raise complaint through app but there is no option for it. ### 5/5 — Ubi c card *2024-02-12, version 3.2.3* Good app . Enjoying all features ### 1/5 — App union credit card *2024-02-11* I tried to download but my apple phone cautioning me of security of phone & heavy chances of hacking and asking me to remove app from phone due to security lapses. Hence request to update it up to marm with security features required. ### 1/5 — Point redemption farce. *2024-02-05, version 3.2.3* Points redemption process is farce. Other banks are offering very good gifts to its customers without any annual fee. But your bank always offer a cheap and Chinese made earphones for any amount of points after collecting annual fee. I don’t understand why your bank hate you customers to the extreme level. ### 1/5 — Not working properly *2024-02-01, version 3.2.3* Every time need to uninstall and than install for login ## Most critical reviews (10 lowest-rated) ### 1/5 — Wastage of time *2026-07-07* App is way slow as it can be. No functionality at all. No option to see credit card details in the app. No option to book EMI. Please look the other bank apps. ### 1/5 — App struck while enter *2026-03-27* No useful app just an app to see what it is please upgrade your app performance or just remove it from everywhere. No function working no scan no history no reminder nothing waste. ### 1/5 — Need more updates in app *2025-02-10, version 3.2.4* Good but not too much ### 1/5 — Time consuming *2025-01-27, version 3.2.3* Verification can not be done. Always error messages and unable to reach server. Really not happy with credit card app. ### 1/5 — Useless *2024-10-29, version 3.2.3* Hope less ### 1/5 — Credit card no.4592-4900-1483-1001 *2024-10-13, version 3.2.3* I neeed to enhance my limit but no body in your bank respond my request ### 1/5 — transactions declined *2024-07-10, version 3.2.3* very often transaction get declined ### 1/5 — Not working *2024-06-21, version 3.2.3* The app is not working from past 3 months ### 1/5 — Language barrier *2024-05-16* The customer care is based in places that don’t speak Hindi or proper English. They don’t understand simple English sentence, because of which I am in a big mess. Transactions converted to EMI are not converted and after repeated follow ups and reporting to manager and Nodal officer there is no update. ### 1/5 — Review with suggestion *2024-04-19, version 3.2.3* It’s very problematic always to use and it’s not good to use download different different aap for banking and credit card. Kindly try to do merge with vyom aap . Thank you ## Most praised reviews (10 highest-rated) ### 5/5 — Error issues *2025-05-12* This bank app virtual card not opne please solve this issue ### 5/5 — Please update the app *2025-02-28* Please update the app , It is not showing the correct values in the app every time ### 5/5 — Excellent remittance *2024-09-10* I transferred credit card amount,the amount shall be transferred quickly .so much thanks ### 5/5 — Over all excellent *2024-08-25, version 3.2.3* Excellent ### 5/5 — Great App *2024-07-27, version 3.2.3* Great app Thank you UBI ### 5/5 — My Union Bank Card *2024-07-23* Excellent service over the years,you are always confident with this card in your wallet 👍 ### 5/5 — App not opening *2024-05-25* For past 2 weeks the App is not opening on my iPhone. Wrote many mails to CC help desk & CC grievance section , but no help ### 5/5 — Amol Jadhav *2024-05-19* What a fantastic platform for 360 degree analysis of your credit card. Thank you Union Bank of India for this amazing service. ### 5/5 — Credit card *2024-04-08* One of the best in industry ### 5/5 — Transactions history *2024-03-26* Pls update to view latest transaction history of credit cards --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*