Union Bank of India NEXTERIA Credit Card
Union Bank of India
Annual / renewal fee
- ₹12499/- (Primary).
- ₹12499/- (Add-on).
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Earn rate
On spend of each ₹125/-, customer earns 5 reward points (subject to eligible MCCs prescribed by Bank from time to time).
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at unionbankofindia.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at unionbankofindia.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
NEXTERIA Credit Card by Union Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- ₹12499/- (Primary).
- ₹12499/- (Add-on).
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Annual / renewal fee
- ₹12499/- (Primary).
- ₹12499/- (Add-on).
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Fee waiver
- Joining fee waived off for NEXTERIA Card if spend on the card is ₹3.00 Lakhs within 90 days from activation of Card.
- Annual fee waived if credit card usage in last 12 months (from issuance date) is ₹8,00,000/-.
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Rewards
On spend of each ₹125/-, customer earns 5 reward points (subject to eligible MCCs prescribed by Bank from time to time).
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM IST
Reward cap
- Reward points earned against each Credit Card Customer ID capped at 10,000 per month (excluding milestone reward points).
- Annual milestone reward points are over and above monthly RP.
- Maximum milestone reward points should not exceed 15,000 RP.
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Reward exclusion
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Travel benefit
Travel Insurance of ₹0.20 lakhs (Baggage Loss) for NEXTERIA.
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Comprehensive Insurance coverage for NEXTERIA: Personal Accidental Insurance ₹50.00 Lakhs.
- Air Accidental Insurance ₹1.00 Cr.
- Purchase Protection ₹2.00 Lakhs.
- Cyber Security Insurance ₹2.00 Lacs (from Bajaj Allianz, subject to annual review).
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Milestone benefit
- Birthday Month: Earn 10X Reward points on online shopping/electronics spends, subject to maximum reward point 10000.
- Monthly Milestone: Earn 5X rewards on spend of ₹200000/- & above, subject to maximum reward point 10000.
- Annual Milestone: on reaching spend of ₹10.00 lacs - Additional 10000 reward points.
- On reaching spend of ₹12.00 lacs & above - Additional 15000 reward points.
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Eligibility
Eligibility
Cash withdrawal limit for NEXTERIA is 40% of Card Limit.
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Charges & interest
Forex markup
Foreign Currency Markup Fee: 3% (exclusive of GST).
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Charge
- Effective September 25, 2025 (MITC v1.4).
- Card Replacement Charges (NEXTERIA): ₹4999/-.
- Cash Advance interest (finance charge): 2.5% p.m. (30% annualized) from date of withdrawal.
- Cash Withdrawal Fee at own/other Bank ATMs: 3% of Cash Advance or Min. ₹500/-.
- Service/Finance charge (simple interest): 3.00% p.m. / 36% annualized (whether or not MPD paid by due date).
- Over limit Charges: 2.5% of the over limit amount, Minimum ₹250/-.
- Late Payment Charges: outstanding dues up to ₹25,000/- = ₹200/-.
- Above ₹25,000/- = ₹500/-.
- Cheque Return Charges: ₹250/-.
- Charge slip Request Charges: ₹200/-.
- Temporary Enhancement: ₹200/- per occasion.
- Hot Listing Charges: Nil (₹200/- if MPD not paid).
- Balance enquiry at other Bank ATM: ₹20/-.
- Green PIN Charges: Nil.
- Lost Card Charges: NIL.
- Statement for >3 months: ₹50/- per statement.
- Transaction Charges at Railways: 1.5% + IRCTC Charges.
- EMI: Rate of Interest 16% p.a. on reducing balances, Processing Fee 2% (Min ₹200/-, Max ₹1,000/-), Pre-closure 2% of outstanding.
- All charges exclusive of GST.
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Fuel surcharge waiver
Fuel Surcharge Waiver: 1% up to ₹100/- per month.
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Interest-free period
- The Interest-free credit period could range from 20 to 50 days, applicable only on retail purchases and if the previous month's balance has been cleared in full.
- No interest-free grace period for cash withdrawals from ATMs (Cash Advance).
VerifiedMost Important Terms & Conditions (MITC) – covers NEXTERIA Credit Card2 Aug 2026, 11:20 PM ISTUnion Bank of India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the NEXTERIA Credit Card?
Officially traced: Rs. 12499/- (Primary).
Most Important Terms & Conditions (MITC) – covers NEXTERIA Credit CardWhat is the joining fee on the NEXTERIA Credit Card?
Officially traced: Rs. 12499/- (Primary).
Most Important Terms & Conditions (MITC) – covers NEXTERIA Credit CardIs the NEXTERIA Credit Card annual fee ever waived?
Joining fee waived off for NEXTERIA Card if spend on the card is Rs. 3.00 Lakhs within 90 days from activation of Card.
Most Important Terms & Conditions (MITC) – covers NEXTERIA Credit CardHow does the NEXTERIA Credit Card earn rewards?
On spend of each Rs. 125/-, customer earns 5 reward points (subject to eligible MCCs prescribed by Bank from time to time).
Most Important Terms & Conditions (MITC) – covers NEXTERIA Credit CardWhat are the transfer ratios for NEXTERIA Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the NEXTERIA Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.unionbankofindia.bank.in/en/details/nexteria-credit-card.
VerifiedNEXTERIA Credit Card product page2 Aug 2026, 11:20 PM ISTUnion Bank of India
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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