In case you don’t know, a Visa card is a payment card that makes use of the Visa network and is branded by Visa. This company originally issues credit cards but has since branched into giving out debit, prepaid, and gift cards as well. However, Visa cards bear the Visa symbol, but they are not issued by the company itself. Union Bank happens to be among the financial institutions that issue Visa cards in partnership with the parent company.
The union bank Visa Platinum Credit Card has multiple layers of protection which give users an extraordinary level of security. This includes a Verified by Visa for an added protection when making online purchases, free identity theft assistance and also VIP customer service around the clock.
The union bank visa card has a 3-Digit Code on the back of your card which provides an extra layer of Internet and telephone fraud protection.
Types of Visa Cards
We have various types of payment cards that are branded with the Visa name, also connects to the Visa payment processing network, they are:
- Visa credit cards
- Visa debit cards
- prepaid and gift cards.
Please note that this article will be talking about the union bank visa debit card.
The Union Bank Visa Debit Card
The union bank visa debit cards provide consumers access to their everyday banking accounts which include checking and savings accounts. This union bank visa debit card can be used at merchant stores and automated teller machines (ATMs) around the world. However, for anyone to execute transactions, card owners must use a personal identification number (PIN).
Note that the account number and cardholder’s name are embossed on the front of the union bank Visa card. This card also has a special three-digit validation code which is at the back. And this code helps in providing additional security for the cardholder.
The union bank visa debit cards also come with a 16-digit account number. But note that this number is not the same as the associated bank deposit account.
So how is it different from my ATM card?
Note that the ATM card issued by Union Bank could only be used at any ATM center to withdraw cash. But this Visa Debit card has many more benefits for you. The union bank visa card is a globally accepted card that you can use at any point-of-sale worldwide and on the internet. This visa card is more than an ATM card which gives you added security.
Features of the Union Bank Visa Card
- The visa card gives you 24-hour access to funds from about 2.1 million Visa ATMs worldwide.
- The visa card gives you the ability to pay for goods and services at millions of Visa locations worldwide (hotels, supermarkets, etc) which is available in over 210 countries which includes online purchases.
- It uses Chip and PIN technology to safeguard you against unauthorized transactions.
- The visa card is valid for 3 years
- It gives secure online transactions via Usecure registration.
- With the visa card, customers can also hotlist their debit card via SMS, Mobile Banking, and Internet Banking facility.
Requirements For Non-Account Holders
- You need to fill and complete an account opening form in any of the union bank branches near you.
- You need a completed (USD) Domiciliary account form
- You need 2 (Two) Referees
- You need 1 (one) recent passport photograph
- You need to provide a recent Utility Bill
- You need to provide a copy of your Driver’s License or International Passport
What is the account that can be linked to Union Bank Visa Debit card?
The truth is that you can link all your savings and current accounts to your union bank visa card. However, you can still set one of those accounts as the primary account which can be used for point-of-sale purchases.
How to get your Union Bank Visa Card
The Union Bank issues Visa Debit Card as part of the things they give at the time of account opening and the visa card gets activated after its first use for withdrawal at any ATM center.
However, existing account holders who don’t have visa card can download, fill the form and submit it at the nearest branch to get the Visa Debit Card.
Also, customers can contact the nearest branch for an add-on card, meaning you can link additional accounts to the visa card.
Note that the online visa card application facility can be found in Bank’s corporate website for customers who don’t have an active card.
So is the union bank Visa Debit card used on the internet?
Note that the union bank visa cards are accepted for payment wherever you see the visa sign which includes online. You can just input your card number and expiry date. However, as an additional security measure, most merchants require the three-digit Card Verification Value (CVV) which can be found at the back of your card. Please never give this information to a third party.
Can I sign or enter my PIN to authorize my transactions?
All cardholder must enter their PIN for every ATM transaction. And you are only required to put your signature on the receipt for any point-of-sale transactions. But make sure that you place your signature on the signature panel of your visa card as soon as you get one.