Union Bank VISA Business Platinum Corporate
Keep₹1,500 to take out, ₹2,000 every year after — and Union removes the insurance every other Visa carries.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Union Bank of India publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #535
Why #535 A business card carried, not ranked. What it is: Union Bank's corporate expense card, the only product on its shelf that costs more to keep than to take out, the only one that cannot withdraw cash at all, and the only one Union explicitly strips of the accidental- death cover every other Visa in the range carries.
The take
Union Bank's corporate card is the odd product on its shelf, and every way it is odd costs the holder something. It is the only Union card that charges more to keep than to take out — ₹1,500 admission, then ₹2,000 a year — and the only one excluded from the spend-based annual-fee waiver Union publishes for eleven other variants, from ₹30,000 on the Visa Gold to ₹8,00,000 on NEXTERIA. There is no waiver bar to clear here because Union has not written one. Two other exclusions matter more than the fee. Cash withdrawals are not allowed at all — Union's cash-limit table gives every consumer card a percentage of its limit, from 20% on the Gold to 40% on RuPay Select, and puts this card in the row that reads "Cash withdrawals not Allowed". And the accidental-death cover Union attaches to every other Visa in the range — ₹5,00,000 on Gold, ₹10,00,000 on Platinum, ₹30,00,000 on Signature — is printed as "NIL" against VISA Business Platinum, on its own line, in Union's own insurance table. That is not an omission the desk inferred; it is a zero the bank typed. What Union does not publish is the earn. Its reward rates live on product pages, and this card has no page anywhere on the bank's site — not on the credit-card listing, and not in Union's own 2,036-URL sitemap, which this desk read end to end on 23 August 2026 rather than guess. The MITC states a rate for UNICORN and NEXTERIA only, and otherwise names just the two cards that earn nothing, which this is not one of. So it probably earns; nobody has said at what rate. Everything else is the shelf standard: 3% on foreign currency, 20 to 50 interest-free days, bills on the 10th or 25th with 20 days to pay, and no lounge access claimed for any Union card anywhere in the document.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Union Bank of India publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- The company carries the debt: Union's MITC says "In case of Corporate cards, the company is wholly liable for unpaid outstanding"
- 3% foreign-currency markup — half a point under India's 3.5% norm, and the same rate Union charges on its consumer cards
- 20 to 50 interest-free days, with bills on the 10th or 25th of the month and 20 days from billing to pay
- Card replacement is not priced for this variant in Union's service-charge table, where every consumer card is (₹149 to ₹4,999)
Watch out
- It costs MORE to keep than to take out — ₹1,500 admission then ₹2,000 a year — and it is the only Union card shaped that way
- No annual-fee waiver exists. Union publishes a spend bar for eleven variants and this card is not in that table
- NO ACCIDENTAL-DEATH COVER. Union's insurance table prints "NIL" against VISA Business Platinum on its own line, where the consumer Visa Platinum gets ₹10,00,000 and the Signature ₹30,00,000
- Cash withdrawals are not allowed at all — Union's cash-limit table puts this card in the "not Allowed" row with PM SVANidhi and the Micro Enterprise card
- UNION HAS NOT PUBLISHED WHAT THIS CARD EARNS. Its rates live on product pages and this card has none, so the desk carries it without valuing it, ranking it or putting it in the calculator
- No add-on cards: both add-on columns of the fee grid read NA
- No temporary credit-limit enhancement is priced for this card, and no lounge access is claimed for any Union card in the MITC
What these points actually fly
Union Bank of India has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Through the company's Union Bank branch — there is no product page and no online funnel. Union's MITC puts the liability on the company outright, so the sanction is a corporate credit decision rather than a personal one. Ask what the card earns before signing: Union prices its reward points on product pages and has not published one for this card.
Union Bank of India publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Union Bank of India's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 4 of them, each with the day we read it
- official Union Bank's own sitemap, 2,036 URLs — the enumeration behind this file's claim that the bank publishes no page for this card anywhere, not merely none on its credit-card listing
- official Union Bank's Most Important Terms and Conditions for credit cards, effective 25 September 2025 — the fee grid row, the nil insurance line, the cash-withdrawal prohibition and the 3% forex markup
- official Union Bank's Key Fact Statement — the same fee grid, confirming ₹1,500 admission and ₹2,000 annual with no add-on card and no waiver
- official Union Bank's credit-card listing — the fourteen product pages the bank publishes, none of them this card's