How to Pay Union Bank Credit Card Bill via Vyom App

Vyom is the official mobile banking application from Union Bank of India, designed as a single, integrated platform for accounts, deposits, loans, investments, and credit cards. For Union Bank credit card holders, Vyom is one of the most efficient ways to view a statement, check the total amount due, see the due date, and clear the bill in a few taps. This guide walks through the entire flow, from app setup to payment confirmation, along with tips to avoid late fees and quick fixes for the most common issues.

Why Use Vyom for Credit Card Bill Payment

Using Vyom gives Union Bank cardholders a direct, in app view of the credit card account without needing to log in to net banking on a desktop. Payments from a Union Bank savings account reflect almost immediately, statements are easy to access, and the app sends timely notifications about upcoming due dates. The interface is also designed for repeat transactions, which is helpful when you want to split your bill into two or three payments before the due date.

What You Need Before You Start

Keep three things ready. First, your Vyom login credentials, which include the user ID or registered mobile number and the MPIN. Second, your Union Bank credit card details, including the sixteen digit card number and the registered mobile number. Third, an active Union Bank savings or current account, or a debit card or UPI handle for alternative payment modes. A stable internet connection and an updated version of the app help avoid common errors during the payment.

Logging In to Vyom

Download the Vyom app from your phone's official app store and install it. Open the app and log in using your user ID or registered mobile number, then enter the MPIN. If biometric login is enabled on your device, you can use fingerprint or face authentication for faster access. First time users will be guided through a quick registration flow that uses the debit card and OTP for verification.

Locating Your Credit Card Inside the App

Once logged in, look for the credit card section on the dashboard or under the products menu. Vyom lists all credit cards linked to your customer profile along with the current outstanding balance, total amount due, minimum amount due, due date, and available credit limit. Tap on the card you want to pay to open its detailed view, where recent transactions and the latest statement are visible.

Initiating the Bill Payment

Inside the card detail screen, tap pay bill or pay now. The app then asks how much you want to pay, with three common options. Pay the total amount due to clear the entire bill and protect the interest free period. Pay the minimum amount due to keep the account active, although interest will continue to accrue on the unpaid balance. Or enter a custom amount that sits between the two, useful when you want to reduce the outstanding while preserving cash flow.

Choosing the Payment Source

Select the funding source. The most common option is your linked Union Bank savings or current account, which debits instantly. Vyom also supports UPI within the same flow, where the request is authorised with your UPI PIN. In some flows, you can pay using a debit card from another bank routed through standard card payment rails. Review any fees displayed on the screen before confirming.

Authorising and Confirming the Payment

The app shows a confirmation screen with the card number, payment amount, and source account. Verify the details, then authorise using your MPIN, transaction password, or biometric authentication. The app displays a success screen with a transaction reference number, which you should save or screenshot until the payment reflects on the credit card account.

Tracking Payment Status

Payments from a Union Bank savings account usually reflect on the card almost immediately. UPI and debit card payments may take a few minutes to update. You can check status by returning to the credit card screen, refreshing it, or by viewing the transaction inside the payment history section of the app. The bank also sends an SMS and email confirmation to the registered contact details.

Setting Up Auto Pay for Future Bills

Vyom allows you to set up an auto pay or standing instruction so that the credit card bill is paid automatically every month. Inside the card section, look for the auto pay option, choose between paying the total amount due or the minimum amount due, and link it to your savings account. The bank sends a reminder a few days before the auto debit so that you can keep enough balance in the source account.

Common Issues and How to Resolve Them

If the credit card does not show up in Vyom, ensure that the card is registered against the same customer ID and update the app to the latest version. Login problems are usually fixed by resetting the MPIN through the registered debit card and OTP. If a payment is debited but not reflected on the card within one working day, contact Union Bank customer care with the transaction reference number for resolution.

Pay Your Union Bank Credit Card Bill Through Stashfin

Stashfin offers a unified interface to pay credit card bills issued by Union Bank and other major Indian banks, using supported payment rails such as UPI and bank transfers. Cardholders can clear outstanding balances, track payment confirmations, and manage multiple cards in one place without juggling several bank apps.

Credit card payment services are subject to applicable terms and conditions. Stashfin is an RBI-registered NBFC. Please read all terms carefully before use.