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Union Bank of India PM SVANidhi Credit Card
Union Bank of India

Union Bank of India PM SVANidhi Credit Card

COFFER Safety Stars3.5 of 5See the five checks
Interest
0.5 of 1
Foreign spends
0 of 1
Spend fees
None1 of 1
Clarity
The bank's documents answer 17 of 18 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns points

First-year fee

₹0

Nil - lifetime free credit card

Annual fee

₹0

Nil - lifetime free credit card

What it gives back

Not offered: reward points not applicable in PM SVANidhi

Read from 4 Union Bank of India documents, last checked 9 Nov 2026.

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How it compares

Compared with the cards we have read

No annual fee: one of 130 cards that state none, out of the 448 open cards whose annual fee we have read.

3% forex markup: of the 480 other open cards whose forex markup we have read, 109 state a lower one, 35 state the same and 336 state a higher one.

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Fees

  • Joining feeRenewal fee

    ₹0Nil - lifetime free credit card

  • Add-on card fee

    Not offered: Add on joining fee NA, annual fee NA.

Rewards

  • Reward rate

    Not offered: reward points not applicable in PM SVANidhi

Also included

  • Surcharge on railway tickets

    Transaction Charges at Railways 1.5% + IRCTC Charges.

  • Insurance benefit

    Not offered: no insurance coverage available.

  • Purchase to EMI conversion

    EMI facility: Cardholders may convert a minimum billed amount of ₹2,500 from a Billing cycle, provided the request is made before the payment due date; maximum interest rate of up to 1.5% per month

Charges

  • Forex markup

    3% on foreign currency transactions.

  • Cash advance fee

    No cash withdrawal through ATM or any Point of Sale (POS) machine.

  • Interest on unpaid balance

    3.00% p.m. / 36% on annualized basis.

  • Interest-free period

    20 - 50 days interest-free when you pay in full.

  • Late payment fee

    Dues up to ₹500: Nil; more than ₹500: ₹200 for dues up to ₹25,000 and ₹500 for dues above ₹25,000

  • Over-limit fee

    2.5% of the over limit amount, Minimum ₹250

  • Payment return or dishonour fee

    Cheque Return Charges ₹250

  • Statement or duplicate statement fee

    Statement for >3 months ₹50 Per statement.

  • EMI conversion fee

    Processing Fee 2% with a Minimum of ₹200 and Maximum of ₹1,000

  • GST note

    All the above Fees & Charges are exclusive of GST

  • Minimum amount due

    5% of Real Balance + 100% of Fees/Charges/GST (including service charges, joining fee, annual fee, interest on cash advance and any other charge/fee) + previous unpaid minimum dues (MPD) + Over limit amount (if any) + EMI amount (if opted)

Eligibility

  • Age the primary cardholder must be

    21 to 65 years

  • Eligibility

    For PM SVANidhi beneficiaries

  • Minimum age

    Card (s), whether Primary or Add-On, will not be issued to any person less than 18 years of age.

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In the terms, not the brochure (1)

  • Whether carrying a balance ends the interest-free period

    If the Credit Cardholder chooses not to pay his/her Outstanding balance in full on the due date, the Cardholder will not have any Grace period and Service charges (interest) are payable at the monthly interest rate.

How we know - 4 documents from Union Bank of India, checked 9 Nov 2026

4 documents from Union Bank of India, checked 9 Nov 2026.

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