Union Bank of India Union UNI-CARBON Credit Card
Union Bank of India
Annual / renewal fee
₹550/- (Primary), ₹250/- (Add-on).
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM ISTUnion Bank of India
Earn rate
Confirm on the official page
Official source not yet captured
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
Union UNI-CARBON Credit Card by Union Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹499/- (Primary), NIL (Add-on).
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM ISTUnion Bank of India
Annual / renewal fee
₹550/- (Primary), ₹250/- (Add-on).
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM ISTUnion Bank of India
Fee waiver
- Annual fee waived if credit card usage in last 12 months (from card issuance date) is ₹1,00,000.
- Joining fee not applicable per fee table.
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM ISTUnion Bank of India
Rewards
Not published in the official documents on file — see the official T&C link below.
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Group Personal Accidental death insurance coverage of ₹10,00,000 (Union UNI CARBON - RuPay Platinum variant), premium borne by cardholder.
- Additionally NPCI free accidental death cover of ₹10,00,000 (premium borne by NPCI).
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM ISTUnion Bank of India
Eligibility
Eligibility
- Cards (whether Primary or Add-On) will not be issued to any person less than 18 years of age.
- Up to 3 add-on cards can be issued.
VerifiedCardholder Agreement (Terms & Conditions) v1.4 – Union Bank of India Credit Cards3 Aug 2026, 12:00 AM ISTUnion Bank of India
Charges & interest
Forex markup
Foreign Currency Markup Fee: 3%.
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM ISTUnion Bank of India
Charge
- Charges (effective September 25, 2025; all exclusive of GST): Cash Advance interest 2.5% p.m. (30% annualized).
- Cash Withdrawal Fee at own/other Bank ATMs 3% of cash advance or min. ₹500/-.
- Card Replacement ₹149/-.
- Lost Card NIL.
- Charge slip Request ₹200/-.
- Temporary Enhancement ₹200/- per occasion.
- Hot Listing NIL (₹200/- if MPD not paid).
- Balance enquiry at other Bank ATM ₹20/- (own Bank NIL).
- Green PIN NIL.
- Cheque Return ₹250/-.
- Over limit 2.5% of over limit amount, min. ₹250/-.
- Foreign Currency Markup 3%.
- Transaction Charges at Railways 1.5% + IRCTC charges.
- Late Payment: dues up to ₹25,000/- ₹200/-, above ₹25,000/- ₹500/-.
- Statement for >3 months ₹50/- per statement.
- Finance/Service charge 3.00% p.m. (36% annualized).
- EMI Rate of Interest 16% p.a. on reducing balance, Processing Fee 2% (min ₹200/- max ₹1,000/-), Pre-closure 2% of outstanding.
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM ISTUnion Bank of India
Fuel surcharge waiver
Fuel Surcharge Waiver: For Union UNI CARBON card, 1% waiver on transaction value of ₹200/- and above at HPCL outlets with a cap of ₹100/- per billing cycle.
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM ISTUnion Bank of India
Interest-free period
- Interest-free (grace) period ranges from 20 to 50 days, applicable only on retail purchases and if previous month's balance cleared in full.
- No interest-free period for cash withdrawals from ATMs.
VerifiedMost Important Terms & Conditions (MITC)3 Aug 2026, 12:00 AM 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 Union UNI-CARBON Credit Card?
Officially traced: Rs. 550/- (Primary), Rs. 250/- (Add-on).
Most Important Terms & Conditions (MITC)What is the joining fee on the Union UNI-CARBON Credit Card?
Officially traced: Rs. 499/- (Primary), NIL (Add-on).
Most Important Terms & Conditions (MITC)Is the Union UNI-CARBON Credit Card annual fee ever waived?
Annual fee waived if credit card usage in last 12 months (from card issuance date) is Rs. 1,00,000.
Most Important Terms & Conditions (MITC)What are the transfer ratios for Union UNI-CARBON 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 Union UNI-CARBON 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/union-uni-carbon-credit-card.
VerifiedUnion UNI-CARBON Credit Card product page3 Aug 2026, 12:00 AM 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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