It's mentioned in Credit Card Policy, a document which is available on their website which have all the information like minimum income etc including the criteria I mentioned.
Union Divaa and JCB Wellness.
There's bigger over leverage issue with UBI, if your total CC limit is more than 75% of your income then you are over leverage.
In PSU, Branch experience is completely dependent on the Branch executive and specifically the BM. It's true for all PSUs.
For an example, I hold a credit card with Indian Bank and last BM was good (for a PSU Bank) and I was considering opening our firm current account there just because of...