The issuer board
Every Union Bank of India credit card.
17 cards on the desk, ranked #144 to #1118 against every other card in India — not against each other. Fees run ₹0 to ₹12,499, and 3 of them are genuinely free for life. 4 of the 17 we carry without ranking, because Union Bank of India publishes no fee or no earn table for them — they are listed at the bottom, with what we do know.
how this board is ordered fold that back up
Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.
RBI, July 2026: 5,07,530 cards in force — 0.4% of every credit card in India · ₹616 cr spent on them that month, 63% of it online.
The one worth having
Union Bank UNICORN
₹2,400 for 8 domestic and 2 international Priority Pass visits — the best lounge-per-rupee on the PSU shelf.
Narrow 17 Union Bank of India cards
network, lounges, the fine print and what you can be approved for fold that back up
The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.
The board
All 13 priced cards, best to worst.
rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict
- #144 Union Bank UNICORN ₹2,400 fee 1.0% Keep
- #150 Union Bank NEXTERIA ₹12,499 fee 1.0% Downgrade
- #159 Union Bank DIVAA ICON ₹1,499 fee 0.5% Downgrade
- #161 Union Bank RuPay Select ₹550 fee 1.0% Keep
- #162 Union Sparsh ₹550 fee 1.0% Keep
- #171 Union JCB Wellness ₹999 fee 0.5% Keep
- #172 Union JCB Health ₹499 fee 0.5% Keep
- #173 Union Bank RuPay Platinum ₹350 fee 0.5% Downgrade
- #371 Union UNI-CARBON ₹499 joining + ₹550/yr 0.5% Keep
- #372 Union Bank VISA Signature ₹0 joining + ₹1,999/yr 1.0% Downgrade
- #373 Union Bank VISA Platinum ₹0 joining + ₹450/yr 0.5% Downgrade
- #374 Union Bank VISA Gold ₹0 joining + ₹350/yr 0.3% Cancel
- #575 Union Bank Micro Enterprise ₹0 joining + ₹1,000/yr none Keep
No Union Bank of India card matches all of that. Loosen one lever, or scan every issuer's board →
Carried, not ranked
4 cards Union Bank of India won't put a number on.
Each of these is missing the fee, the earn table, or both, in every document Union Bank of India publishes. We keep the card — its page, its lounge row, its sources — and we refuse to rank it, because a net-value number computed against a fee nobody published would be wrong by exactly that fee. Each promotes itself onto the board above the day the document lands.
Our standing verdicts
10 keep · 5 downgrade · 2 cancel
What these cards pay in