Pre-Approved Credit: Customers can link their pre-approved credit lines to their UPI apps, allowing for seamless transactions without the need for additional approvals.

Flexible Repayment: Customers can choose flexible repayment options, making it easier to manage their finances.

Instant Access: The credit line is instantly accessible through the UPI app, enabling quick and convenient payments.

Wide Acceptance: The credit line can be used at millions of merchants that accept UPI payments, enhancing its utility

Digital Integration: The entire process, from linking the credit line to making payments, is digital, ensuring a smooth and efficient user experience.

Convenience: Customers can access a pre-approved credit limit directly through their UPI app, eliminating the need to carry multiple credit cards

Integration with UPI: Seamless integration with UPI ensures that users can make payments using their credit line just like any other UPI transaction

To be eligible for City Union Bank’s Secured Credit Line on UPI, you must meet the following criteria:

Should be an Indian resident aged 18 or older.

Should have a valid PAN and Aadhaar card.

Ensure your mobile number is linked to your Aadhaar card.

Should be an existing City Union Bank customer.

Should hold Fixed Deposit with City Union Bank.

Credit Assessment: Bank will assess eligibility based on income, credit score, and repayment history

A Credit Line on UPI allows users to access a pre-approved credit limit directly through their UPI app for making payments.

You can apply through pre-approved offer link sent to your registered mobile number.

Should be an Indian resident aged 18 or older.

Should have a valid PAN and Aadhaar card.

Ensure your mobile number is linked to your Aadhaar card.

Should be an existing City Union Bank customer.

Should hold Fixed Deposit with City Union Bank.

The credit limit is determined based on your creditworthiness, income, and other financial factors assessed by the bank.

No, you can use the Credit Line for all UPI Merchant transactions.

Yes, interest rates apply to the borrowed amount. The rate varies by bank and is disclosed at the time of approval.

Repayments can be made by way of Transfer, NEFT, UPI Payment to the respected ODAD account.

Transactions exceeding the credit limit will be declined.

Yes, transactions are secured with UPI’s multi-factor authentication and encryption protocols.

Customer support for assistance with any issues related to your Credit Line on UPI.