Introduction

Financial independence starts with having the right banking tools. Recognizing the pivotal role of women in the Indian economy, Union Bank of India has launched the Empower Her Debit Card – a specially designed card that goes far beyond traditional banking. This card is tailored specifically for women customers, offering premium features, exclusive benefits, and world-class security all in one package.

Whether you're a professional, a homemaker, or an entrepreneur, the Empower Her Debit Card is designed with you in mind. Let's explore what makes this card special and how it can transform your banking experience.

What Is the Empower Her Debit Card?

The Empower Her Debit Card is a RuPay Platinum Debit Card exclusively for women customers. Launched in September 2023, this card is available for holders of two special women-focused savings accounts:

- Union Samriddhi Savings Account

- Union Unnati Current Account 

The card represents Union Bank of India's commitment to women empowerment through financial inclusion. It combines the convenience of a debit card with premium features, insurance protection, and exclusive merchant offers that provide real value in your daily life.

Who Should Get This Card?

The Empower Her Debit Card is perfect for:

- Individual women aged 18 and above

- Women holding Union Samriddhi or Union Unnati accounts

- Working professionals seeking premium banking benefits

- Homemakers looking to manage finances independently

- Frequent travelers who want exclusive airport lounge access

- Women seeking enhanced security and insurance protection

To qualify, you simply need to open a Union Samriddhi or Union Unnati account with Union Bank of India and request the Empower Her Debit Card.

Key Features and Benefits

1. High Transaction Limits for Your Convenience

One of the standout features of the Empower Her card is its generous transaction limits designed to meet all your financial needs:

Daily Cash Withdrawal Limit: ₹75,000

- Withdraw up to ₹75,000 per day from ATMs

- Supports your cash needs for any situation

Daily Shopping Limit (POS & E-Commerce): ₹1,50,000

- Make purchases up to ₹1,50,000 per day at stores and online

Total Daily Limit: ₹2,25,000

- Combined maximum daily transaction limit of ₹2,25,000

Customizable Limits: Women cardholders have complete control over their transaction limits. Through the Bank's Mobile Banking App, you can:

- Set your own daily limits based on your spending patterns

- Reset limits whenever needed

- Adjust limits for specific transaction types

- Manage your finances according to your comfort level

This flexibility ensures you can manage your money exactly how you want, with security that gives you peace of mind.

2. Worldwide Acceptance and Global Reach

The Empower Her card comes with the powerful RuPay Platinum network, giving you:

International Acceptance:

- Use your card in more than 100+ countries worldwide

- Access to millions of POS (Point of Sale) locations globally

- Acceptance at ATMs worldwide

- Seamless international shopping and withdrawals

Whether you're traveling for business or pleasure, your Empower Her card works just like it does at home. You can make purchases, withdraw cash, and conduct transactions with the same ease across the globe.

3. Comprehensive Insurance Protection

The Empower Her card comes with free insurance coverage that protects you against life's uncertainties:

Personal Accidental Death Insurance

Primary Cardholder Coverage:

- ₹2,00,000 (₹2 Lakhs) coverage provided by Union Bank

- Additional ₹2,00,000 (₹2 Lakhs) by NPCI (National Payments Corporation of India)

- Total Protection: ₹4,00,000 (₹4 Lakhs)

Secondary Cardholder Coverage:

- ₹1,00,000 (₹1 Lakh) provided by Union Bank

- Ensures family members on your account are also protected

Permanent Total Disability Coverage

- ₹2,00,000 (₹2 Lakhs) additional coverage by NPCI

- Protection in case of permanent total disability due to accident

- Supports your recovery and rehabilitation

This comprehensive insurance means your family has financial security in case of any unfortunate accidents, providing peace of mind you can't put a price on.

4. Exclusive Airport Lounge Access

Travel like royalty with premium lounge access:

Domestic Airport Lounges:

- 2 complimentary visits per calendar quarter

- Access to 20+ participating airports across India

- Relax in comfortable lounges while you wait for your flight

- Enjoy refreshments, Wi-Fi, and premium facilities

International Airport Lounges:

- 2 complimentary visits per calendar year

- Access to 100+ participating airports worldwide

- Premium lounges at major international hubs

- Business-class comfort for international travelers

Lounge access is perfect for frequent travelers, making your journey more comfortable and productive.

5. Exclusive Merchant Offers and Discounts

The Empower Her card comes with partnerships offering exclusive discounts and offers across popular brands and services:

Fashion & Shopping:

Myntra – 10% off on purchases

- Minimum purchase: ₹3,000

- Maximum discount: ₹500

- Valid once per quarter

Amazon – 20% off on selected items

- Minimum purchase: ₹129

- Maximum discount: ₹100

- Valid once per month

Travel & Entertainment:

MakeMyTrip – Flat 10% instant discount on flight tickets

- Minimum purchase: ₹5,000

- Maximum discount: ₹1,000

- Valid once per quarter

BookMyShow – ₹250 off on movie tickets

- Minimum: 2 movie tickets

- Valid once per month

- Great for weekend entertainment

Food & Delivery:

Swiggy – 20% off on food orders

- Minimum purchase: ₹129

- Maximum discount: ₹100

- Valid once per month

Wellness & Health:

Health Check-ups – Free health screening options

- Choice of health checks: Pap Smear, Mammography, DEMA, or General Body Check-up

- Available once per quarter

- Focused on women's health and wellness

Other Services:

Urban Clap – Complimentary annual subscription

- Access to home services, beauty, fitness, and more

- Premium membership at no cost

These offers provide real savings on your everyday purchases and health services.

6. Reward Points Program

Every purchase earns you rewards:

Reward Points Benefits:

- ₹1 Reward Point for every ₹100 spent on POS or E-Commerce transactions

- Each Reward Point equals ₹0.25

- Points accumulate and can be redeemed for various benefits

- Encourages smart spending and gives you returns on your purchases

For example, if you spend ₹10,000 in a month, you earn 100 reward points worth ₹25 – money back in your pocket.

7. Enhanced Security Features

Your card security is paramount. The Empower Her card includes:

Chip and PIN Technology:

- Advanced chip-based security

- PIN protection for all transactions

- One of the most secure payment methods available

Two-Factor Authentication:

- Extra layer of security for online transactions

- Protects against unauthorized access

Real-Time SMS Alerts:

- Instant notifications for every transaction

- Monitor your account 24/7

- Immediate alerts for any suspicious activity

- Easy to track spending and catch fraud quickly

Contactless Payment Support:

- Quick, convenient, and secure NFC transactions

- Tap and pay without physical contact

- Ideal for fast checkout experiences

- Enhanced hygiene and convenience

Annual Maintenance Charges and Fee Waivers

The Empower Her Debit Card has an annual maintenance charge of ₹300 + GST (approximately ₹355 per year).

However, you can get 100% fee waiver if you meet either of these conditions:

1. Minimum Transaction Requirement: Complete at least 40 POS/E-Commerce transactions in a financial year

  - Average less than 4 transactions per month

  - Easy to achieve with regular card usage

2. Average Quarterly Balance: Maintain an Average Quarterly Balance (AQB) of ₹1,00,000 in a financial year

  - Spread across all three months

  - Manageable for most cardholders

This means most active cardholders pay absolutely no annual fees – making it a truly cost-effective banking solution.

Contactless Payments: The Future of Banking

The Empower Her card supports contactless payment technology, allowing you to:

- Tap your card at payment terminals instead of swiping

- Complete payments in seconds

- Avoid physical contact during transactions

- Experience faster checkout at stores and restaurants

- Enjoy enhanced security with contactless technology

- Support growing global shift toward digital payments

This feature makes your shopping experience faster, safer, and more convenient.

How to Apply for the Empower Her Debit Card

Getting your Empower Her card is simple:

Step 1: Open the Right Account

- Visit your nearest Union Bank of India branch

- Open a Union Samriddhi Savings Account or Union Unnati Current Account

- Ensure you meet the eligibility criteria (women aged 18+)

Step 2: Request the Card

- Request the Empower Her Debit Card from your branch

- Provide necessary documentation

- Branches apply for the card through their banking system

Step 3: Receive and Activate

- Your card will be delivered to your registered address

- Activate the card through SMS or Mobile Banking App

- Set your transaction limits as per preference

- Start using your card immediately

Step 4: Enjoy the Benefits

- Make purchases at POS terminals and online

- Withdraw cash from ATMs

- Earn reward points

- Access exclusive merchant offers

Real-World Use Cases: How the Empower Her Card Works for You

Case 1: The Professional Woman

Priya is a marketing manager who travels frequently for work. She uses her Empower Her card for:

- Flight bookings with 10% discount via MakeMyTrip (₹1,000 savings on a ₹10,000 flight)

- Premium lounge access during airport layovers

- International transactions with peace of mind (100+ country acceptance)

- ₹2 Lakh accidental death insurance during travel

Case 2: The Homemaker and Entrepreneur

Anjali manages household finances and runs a small online business. She benefits from:

- Earning reward points on every purchase (₹25-30 monthly)

- Fashion discounts on Myntra for personal shopping

- Healthcare check-ups covered quarterly

- Complete transaction limit of ₹2,25,000 for business needs

- ₹0 annual maintenance fee through regular usage

Case 3: The Young Professional

Neha just joined a new job and wants to manage her money independently. She uses the card for:

- Building a healthy spending habit

- Earning rewards on daily expenses (₹20+ monthly)

- Getting 20% discount on Amazon and Swiggy

- Insurance protection for peace of mind

- Annual fee waiver by making 40 transactions yearly

Why Choose the Empower Her Debit Card?

Financial Independence

The Empower Her card is more than just a payment tool – it's a symbol of financial independence. It gives women complete control over their money with customizable limits and real-time tracking.

Comprehensive Protection

With ₹4 Lakhs of accidental death insurance and disability coverage, you have peace of mind knowing your family is protected.

Premium Experience at Affordable Cost

Enjoy premium RuPay Platinum benefits with annual fees that can be completely waived through normal usage.

Real Value Through Exclusive Offers

From fashion to travel to food, the exclusive merchant offers provide genuine savings on your everyday purchases.

Global Acceptance

With acceptance in 100+ countries and millions of merchants worldwide, the Empower Her card is truly a global payment solution.

Women-Centric Design

Every feature – from health check-ups to exclusive offers – is designed specifically keeping women's needs in mind.

Getting Started with Union Bank

To open a Union Samriddhi or Union Unnati account and apply for the Empower Her Debit Card:

1. Visit any Union Bank branch – Find your nearest branch online or in your locality

2. Bring required documents – Aadhar, PAN, proof of address, and identity proof

3. Complete the account opening – Simple paperwork and verification process

4. Request the Empower Her card – Available immediately for new accounts

5. Start enjoying benefits – Use your card worldwide within days

Conclusion

The Empower Her Debit Card is a comprehensive banking solution designed to empower women financially. Whether you're making everyday purchases, traveling internationally, or building your financial independence, this card offers the perfect combination of features, security, and benefits.

With no hidden charges when you use it regularly, exclusive merchant discounts, comprehensive insurance protection, and worldwide acceptance, the Empower Her card proves that banking can be both empowering and rewarding.

Don't just use a debit card – use one that's designed specifically for you, with features tailored to your needs. Open your Union Samriddhi or Union Unnati account today and apply for the Empower Her Debit Card – your partner in financial empowerment.

Disclaimer: This blog post provides general information about the Empower Her Debit Card based on information from Union Bank of India. Please consult with your nearest Union Bank branch for the most current and detailed information, as terms, conditions, and offers may be updated. Offers mentioned are subject to NPCI partnership and may change from time to time. For the latest offers, visit www.rupay.co.in.