Union Bank of India RuPay Platinum Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns points
First-year fee
₹0
Annual fee
₹350 a year.
What it gives back
Reward points per ₹100 spent 2 points.
Fees
Joining fee
₹0
Annual fee
₹350 a year.
Rewards
Reward rate
Reward points per ₹100 spent 2 points.
Also included
Surcharge on railway tickets
Transaction Charges at Railways 1.5% + IRCTC Charges.
Add-on card eligibility
Maximum 3 (three) add-on cards for spouse
Charges
Forex markup
3% on foreign currency transactions.
Cash advance fee
3% of Cash Advance or Min. of ₹500.
Interest on unpaid balance
3.00% p.m. / 36% on annualized basis.
Interest-free period
The Interest-free credit period could range from 20 to 50 days
Late payment fee
Outstanding dues up to ₹25,000: ₹200; Outstanding dues above ₹25,000: ₹500
Over-limit fee
Over limit Charges 2.5% of the over limit amount, Minimum ₹250/
Payment return or dishonour fee
Cheque Return Charges ₹250/
Eligibility
Minimum age
Card (s), whether Primary or Add-On, will not be issued to any person less than 18 years of age.
Ways to redeem your points
How we know - 6 documents from Union Bank of India, checked 9 Nov 2026
₹350 a year
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