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Public sector bank

Union Bank of India credit cards: 13 you can apply for

The best one for most people is Union Bank UNICORN.

₹11,000a year after fees, at ₹75,000 a month

Union Bank UNICORN

₹11,000 a year, after fees

₹2,400 fee · Lounges in India and abroad · 3% forex markup · Reward rate 1%

Keep

It pays back the most of the 12 Union Bank of India cards open to apply that we can value.

Rank all 13 at your own spend in the card finder

Verified 2 sources

Points and where they go

Union Bank of India's main points currency is Union Rewardz Points, worth ₹0.25 a point; it does not transfer to an airline or hotel.

What Union Bank of India cards earn
ProgrammeWorth a pointCardsPartners
Union Rewardz Points₹0.2512none

1 more card pays cash back. Values are what we think a point is worth in India.

Recent changes

All 17 Union Bank of India cards

Fees run ₹0 to ₹12,499, and 3 of them are genuinely free for life. We cannot value 4 of them: Union Bank of India publishes no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 10 keep, 5 downgrade, 2 cancel.

Open to apply 13

  1. Union Bank UNICORN

    ₹11,000 a year, after fees

    ₹2,400 fee · Lounges in India and abroad · 3% forex markup · Reward rate 1%

    Keep

  2. Union Bank RuPay Select

    ₹9,000 a year, after fees

    ₹0 joining + ₹550/yr · Lounges in India and abroad · 3% forex markup · Reward rate 1%

    Keep

  3. Union Sparsh

    ₹9,000 a year, after fees

    ₹550 fee · Lounges in India and abroad · 3% forex markup · Reward rate 1%

    Keep

  4. Union UNI-CARBON

    ₹5,200 a year, after fees

    ₹499 joining + ₹550/yr · 3% forex markup · Reward rate 0.5%–4%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  5. Union JCB Health

    ₹7,500 a year, after fees

    ₹499 fee · Lounges in India and abroad · 3% forex markup · Reward rate 0.5%

    Ranked lower: includes ₹3,000 in vouchers

    Keep

  6. Union JCB Wellness

    ₹5,400 a year, after fees

    ₹999 fee · Lounges in India and abroad · 3% forex markup · Reward rate 0.5%–1%

    Keep

  7. Union Bank VISA Signature

    ₹9,000 a year, after fees

    ₹0 joining + ₹1,999/yr · 3% forex markup · Reward rate 1%

    Downgrade

  8. Union Bank NEXTERIA

    ₹8,500 a year, after fees

    ₹12,499 fee · Lounges in India and abroad · 3% forex markup · Reward rate 1%

    Its fee is waived only from ₹8 lakh a year — the low end of this range

    Downgrade

5 more open to apply by value

  1. Union Bank DIVAA ICON

    ₹4,500 a year, after fees

    ₹0 joining + ₹1,499/yr · Lounges in India and abroad · 3% forex markup · Reward rate 0.5%

    Downgrade

  2. Union Bank RuPay Platinum

    ₹4,500 a year, after fees

    ₹0 joining + ₹350/yr · Lounges in India · 3% forex markup · Reward rate 0.5%

    Downgrade

  3. Union Bank VISA Platinum

    ₹4,500 a year, after fees

    ₹0 joining + ₹450/yr · 3% forex markup · Reward rate 0.5%

    Downgrade

  4. Union Bank VISA Gold

    ₹2,300 a year, after fees

    ₹0 joining + ₹350/yr · 3% forex markup · Reward rate 0.3%

    Cancel

Business cards 3 cards

  3. Union MSME

    Not valued fee or rewards not published

    ₹0 fee

    Keep

Closed or paused 1 card

  1. Union Bank USecure

    Not valued fee or rewards not published

    ₹0 fee

    Cancel Closed

Filter Union Bank of India cards by fee, lounges or forex

Standard charges

The charges Union Bank of India words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

Union Bank of India's standard charges
ChargeWhat the bank saysOur readCards
Interest (APR)3.00%/mo (36%/yr) on retail; 2.5%/mo (30%/yr) on cash12 of 13
Late payment fee₹200 on dues up to ₹25,000; ₹500 above ₹25,00012 of 13
Cash withdrawal fee3% of the advance, min ₹5009 of 13
Over-limit fee2.5% of the overlimit amount, min ₹25013 of 13
Reward redemption feeNot published12 of 13

Cards counts the Union Bank of India cards whose terms print this exact wording, out of those whose terms print the charge at all.

Union Bank of India in RBI's figures

Cards in force
5,05,934
0.4% of India's cards
Spent in August 2026
₹645 crore
63% of it online
Spend per card
₹12,755
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The Union Bank of India documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official MITC (effective 25 Sep 2025) — UNICORN ₹2,400 joining and ₹2,400 annual, waiver at ₹3L, 3% forex, the 10,000-point monthly cap and the five 2,000-point annual tiers read
  2. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read