Skip to content
COFFERCards. Points. Value.
Back
Union Sparsh Credit Card
Union Bank of India

Union Sparsh Credit Card

Checked against Union Bank of India's 5 documents for this card on 03 Nov 2026
COFFER Safety Stars3 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 11 of 13 cost questions0.5 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 reward points

First-year fee

₹0

Annual fee

₹550 + GST

What it gives back

4 reward points per ₹100 · everyday spends

Read from 5 Union Bank of India documents, last checked 8 Nov 2026.

Apply on Union Bank of India

Our calculation

1% value back

Every ₹1,00,000 spent at this rate earns about 4,000 points, worth about ₹1,000 at the value Union Bank of India states for a point.

Union Bank of India's rate: “4 reward points per ₹100 spent” Proof
The bank’s words

“Reward points per Rs. 100 spent [...] 4 points (1 Reward point = Rs. 0.25)”

Union Bank of India's point value: “1 Reward point = Rs. 0.25” Proof
The bank’s words

“Reward points per Rs. 100 spent 4 points (1 Reward point = Rs. 0.25)”

How it compares

Compared with the cards we have read

₹550 annual fee: of the 447 other open cards whose annual fee we have read, 243 state a lower one, 2 state the same and 202 state a higher one.

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.

1% value back by our calculation: of the 90 other open cards we can work this out for, 84 return less, 4 return the same and 2 return more.

Get alerts for this card

Fees

  • Annual fee

    ₹550 + GST

  • Joining fee

    ₹0

  • Fee waiver rule

    Annual fee waived in the 1 st year and not levied if spend in previous year is ₹50,000.

Rewards

  • Reward rate

    4 reward points per ₹100 · everyday spends4 reward points per ₹100 spent.

  • What one reward unit is worth

    1 Reward point = ₹0.25.

Card benefits

  • Domestic lounge access

    Complimentary domestic lounge access: 8 per year (2 per quarter)

  • International lounge access

    Complimentary international lounge access: 2 per year.

Also included

  • Fuel surcharge waiver

    Fuel Surcharge Waiver: 1% up to ₹100/- per month

  • Surcharge on railway tickets

    Transaction Charges at Railways 1.5% + IRCTC Charges.

  • Insurance benefit

    Accidental insurance cover ₹10.00 lakhs (premium borne by NPCI); additional ₹30.00 lakhs (premium borne by card holder)

  • Add-on card eligibility

    Add-on cards can be issued: maximum 3 for spouse, children and parents of the primary cardholder

  • Purchase to EMI conversion

    EMI facility on all merchant transactions of ₹10,000/-& above, except on Jewellery purchases, Cash withdrawal through ATMs and Cash @ PoS, Purchase of fuel at Petrol Pumps and transactions at Bars, for 3 / 6 / 9 / 12 / 18 / 24 months; Rate of Interest 16% per annum on reducing balances.

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

  • Payment return or dishonour fee

    Cheque Return Charges ₹250/

Eligibility

  • Eligibility

    Only visually impaired individuals; age 21-65 years (minimum 18 with no upper age limit for a card against a term-deposit lien)

  • Minimum age

    Minimum 18 years

Points expiring? Use Expiry Rescue

How we know - 5 documents from Union Bank of India, checked 8 Nov 2026

5 documents from Union Bank of India, checked 8 Nov 2026.

On these lists

Apply on Union Bank of India

₹550 a year

Apply

The Sunday Statement.

Every Sunday. What your bank changed this week — before your statement tells you.