Union Unicorn Rupay 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 reward points

First-year fee

₹2,400 to join.

Annual fee

₹2,400 a year.

What it gives back

4 reward points per ₹100 · everyday spends

Read from 4 Union Bank of India documents, last checked 18 Oct 2026.

How it compares

Compared with the cards we have read

₹2,400 annual fee: of the 273 other open cards whose annual fee we have read, 208 state a lower one and 65 state a higher one.

3% forex markup: of the 291 other open cards whose forex markup we have read, 72 state a lower one, 19 state the same and 200 state a higher one.

Fees

Joining fee
₹2,400 to join.
Annual fee
₹2,400 a year.
Fee waiver rule
Joining fee will be waived off if spent on the card is ₹1.00 Lakhs within 90 days from the activation of Card; Annual fee will be waived if credit card usage in last 12 months is ₹3,00,000
Add-on card fee
₹2400.

Welcome offer

Welcome benefit
Spend min ₹10000 within 30 days & earn additional 4000 reward points

Rewards

Reward rate
4 reward points per ₹100 · everyday spends4 reward points per ₹100 spent (on eligible MCCs)
Reward exclusions
Jewellery, Fuel, Cash withdrawal, Bitcoin, wallet loading, Alcohol, wine shops, Insurance.
Reward caps
Reward points capped at 10,000 per month (excluding milestone reward points)
Statement-credit redemption
Cardholder can check and redeem reward points for credit card bill payment, purchasing gift vouchers etc.

Card benefits

Lounge benefit
8 Domestic and 2 International Lounge Access per annum via Priority Pass.
Priority Pass
Lounge access via Priority Pass.
Hotel or travel programme
MMT- Discount of 10% on flights up to ₹1500 (Annual)
Dining programme
3 months Swiggy One Membership.
Concierge
Overseas Emergency Cash Concierge
Milestone benefits
Additional 2000 rewards point on reaching spend of ₹1L / 2L / 3L / 4L / 5L; Monthly Milestone: Earn 5X rewards on spend of ₹20k & above.
Movie or entertainment ticket benefit
Book My Show: Flat ₹250 off on purchase of movie tickets per month.

Also included

Fuel surcharge waiver
1% up to ₹100/- per month
Surcharge on railway tickets
Transaction Charges at Railways 1.5% + IRCTC Charges.
Insurance benefit
10 Lacs of Personal Accident Insurance and Permanent Disability Cover.

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
₹249
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

In the terms, not the brochure (1)

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 - 4 documents from Union Bank of India, checked 18 Oct 2026

4 documents from Union Bank of India, checked 18 Oct 2026.

On these lists

₹2,400 a year

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