Union Bank VISA Gold
Cancel0.25% — one reward point per ₹100 — and the ₹450 sibling pays twice that.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹3,000 a month
At ₹3,000 a month — ₹36,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against a fee of ₹0 — the ₹350 is waived, the spend having cleared ₹30,000 a year = ₹100 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #374
Why #374 The bottom rung of Union's Visa ladder and the lowest published earn rate on the whole board: 0.25%. The ₹450 Platinum pays twice as much and waives its fee at ₹50,000 — there is no spend at which this card is the right one of the two.
₹0.25 a point, from the card's own benefits table — "Reward points per Rs. 100 spent / 1 point (1 Reward point = Rs. 0.25)". Redemption is the Union Rewardz app or unionrewardz.com for merchandise, gift vouchers, "travel experiences" or a credit against your own bill. Union Bank names no airline, no hotel and no transfer partner on any card it issues.
The take
This is Union Bank's entry Visa and the lowest published reward rate on our board: one point per ₹100, worth ₹0.25, which is a quarter of one percent. Nothing to join, ₹350 a year, waived above ₹30,000 of spend in the previous twelve months — the cheapest waiver bar Union sets, so in practice the card is free to hold. The published benefit set is four rows: ₹5 lakh of accidental death cover with the premium on the cardholder, the 0.25% reward rate, a 1% fuel-surcharge waiver capped at ₹100 a billing cycle, and up to three add-on cards at ₹250 each. The reason to skip it is one row down Union's own price list. VISA Platinum costs ₹450 instead of ₹350, pays 2 points per ₹100 instead of 1, carries ₹10 lakh of cover instead of ₹5 lakh, and waives its fee at ₹50,000 of annual spend. Both are effectively free at any spend that makes a rewards card worth carrying, so the ₹100 of nominal difference is a price nobody actually pays — and the Platinum simply pays double. There is no spend level at which the Gold is the better of the two. If what you want from Union is a free RuPay card on UPI, the RuPay Platinum is ₹350 with the same 0.5% and the NPCI-borne insurance; if you want the highest Union rate, the Signature pays 1%. No lounge access is published for this card anywhere — not on the page, not in the 25-Sep-2025 MITC, not in the Key Fact Statement — and Union Rewardz points have no airline or hotel partner of any kind.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹350/yr at stake · 5 spend bands
The charge ₹0 joining, then ₹350/yr
The waiver ₹30,000 of spend in the year before renewal — about ₹2,500 a month — and the renewal fee is not charged.
Break-even ₹3,000 a month — ₹36,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹800 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,500 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹9,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹15,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
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 the numbers above are the whole 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
- NIL joining fee; ₹350 a year waived above ₹30,000 of previous-year spend — Union's lowest bar
- ₹5 lakh of accidental death cover
- 3% forex, against the 3.5% Indian norm
- 1% fuel-surcharge waiver, capped at ₹100 a billing cycle
- Up to 3 add-on cards for spouse, children and parents at ₹250 a year each
Watch out
- 0.25% — one reward point per ₹100 — the lowest published earn rate on this board
- The ₹450 VISA Platinum pays exactly twice as much and carries twice the insurance; at any spend that waives either fee it strictly dominates this card
- NO lounge access is published — not on the page, not in the MITC, not in the Key Fact Statement
- Union Rewardz has NO airline or hotel partner — the points only pay your own bill or buy vouchers
- No welcome benefit and no milestone ladder are published
- Cash withdrawal is limited to 20% of the credit limit, the tightest on Union's shelf
What these points actually fly
No live transfer route takes Union Rewardz Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹30,000 a year is the bar that waives the ₹350 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Union Bank of India states what the Union Bank VISA Gold earns, but has not published which spend categories count toward the fee waiver — the ₹30,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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?
income, age and the route in
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.
A branch or online application through Union Bank's own card portal at unioncards.unionbankofindia.bank.in. The bank publishes no income figure for this card. The MITC sets the age range at 21 to 65, with 18 and no upper limit if the card is issued against a term-deposit lien, and a CIBIL score of 700 or above unless it is. Card replacement is ₹149, the cheapest tier on the Union shelf.
per the official Union Bank of India MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
MITC v1.4 (effective 25 Sep 2025), fee grid verbatim: "VISA Gold · NIL · NIL · Rs. 350/- · Rs. 250/-" under the two headings "Admission / Joining Fee (Primary | Add on)" and "Annual Fee (Primary | Add on)". The published NIL joining line beside a real ₹350 renewal is our published-nil-fee rule's renewal-only shape. Annual fee waived above ₹30,000 of previous-12-month usage — the lowest bar Union sets. Card replacement ₹149. Accidental death cover ₹5,00,000, premium borne by the cardholder. The word "lounge" does not appear in this document once, for any Union card. CIBIL 700+ unless issued against a deposit lien.
per the official Union Bank of India MITC · reviewed 10 Jul 2026
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 · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — 1 reward point per ₹100 at ₹0.25, ₹5 lakh accidental cover, 1% fuel surcharge waiver capped ₹100 a cycle, up to 3 add-on cards
- official MITC v1.4 (effective 25 Sep 2025) — VISA Gold at NIL joining and ₹350 annual (₹250 add-on), waiver at ₹30,000, 3% forex, ₹149 card replacement, cash limit 20%
- official Key Fact Statement — the same grid, VISA Gold at NIL joining and ₹350 annual; silent on lounges