Union UNI-CARBON 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
₹499 to join.
Annual fee
₹550 a year.
What it gives back
2 points per ₹100 · everyday spends
Our calculation
0.5% value back
How it compares
Compared with the cards we have read
Fees
Joining fee
₹499 to join.
Annual fee
₹550 a year.
Fee waiver rule
Annual fee will be waived if credit card usage in last 12 months (from credit card issuance date) is ₹1,00,000.
Add-on card fee
₹250.
Welcome offer
Welcome benefit
Up to ₹300 by way of credit to the Bill; The Customer must purchase fuel worth ₹300 and above at HPCL authorized fuel outlet within 60 days from activation of card
Rewards
Reward rate
2 points per ₹100 · everyday spends2 points for every ₹100 spend on non-fuel transactions.
Fuel earning
16 reward (i.e., 4% Cash back) on every ₹100.00 on fuel spends for transaction value of ₹500 and above at authorized HPCL outlets, up to a maximum of ₹150 per billing cycle per card
Reward exclusions
No reward points on cash withdrawal transactions.
Reward caps
4% cash back at authorized HPCL outlets, up to a maximum of ₹150 per billing cycle per card
Catalogue redemption
1 Reward Point = ₹0.25.
Statement-credit redemption
Redemption options, including merchandise, gift vouchers, travel experiences or credit card bill payment
Card benefits
Milestone benefits
Additional rewards points on reaching annual spends (in Rs.) 1,25,000: 500; 1,50,000: 600; 1,75,000: 700; 2,00,000: 800; additional 1,000 rewards for every ₹50,000 spends beyond ₹2.00 lakh in a billing year.
Also included
Fuel surcharge waiver
1% waiver on transaction value of ₹200 and above at HPCL outlets with a cap of ₹100 per billing cycle.
Surcharge on railway tickets
Transaction Charges at Railways 1.5% + IRCTC Charges.
Insurance benefit
Accidental insurance coverage ₹10.00 lakhs (premium borne by NPCI); additional ₹10.00 lakhs (premium borne by card holder)
Charges
Forex markup
3% on foreign currency transactions.
Cash advance fee
3% of Cash Advance or Min. of ₹500.
Cash withdrawal limit
40% of card limit
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
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.
Card replacement fee
₹149
EMI conversion fee
Processing Fee 2% with a Minimum of ₹200 and Maximum of ₹1,000
What the card's fee or benefit year means
Annual fee is collected in advance at the beginning of the second year of the card.
GST note
All the above Fees & Charges are exclusive of GST
Minimum amount due
5% of real balance plus 100% of fees, charges and GST, plus previous unpaid minimum dues
Eligibility
Age the primary cardholder must be
21 to 65 years
Income requirement
Income eligibility 4.8 lakh per annum.
In the terms, not the brochure
Whether carrying a balance ends the interest-free period
No grace period if the outstanding balance is not paid in full on the due date; interest is payable at the monthly interest rate.
How we know
₹550 a year
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