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Union Bank of India Union Unicorn Rupay credit card

Union Bank of India

Annual / renewal fee

₹2400/- (Primary), ₹2400/- (Add-on).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Earn rate

  • On spend of each ₹100/-, customer earns 4 reward points (subject to eligible MCCs prescribed by Bank).
  • Birthday Month: Earn 5X Rewards.
  • Monthly Milestone: Earn 5X rewards on spend of ₹20k & above.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

View on official site →

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.

Source-traced to issuer Verified 2026-08-02
View on official site →

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 Unicorn Rupay credit card by Union Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹2400/- (Primary), ₹2400/- (Add-on).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Annual / renewal fee

₹2400/- (Primary), ₹2400/- (Add-on).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Fee waiver

  • Joining fee waived for UNICORN Card if spend on the card is ₹1.00 Lakhs within 90 days from activation.
  • Annual fee waived if credit card usage in last 12 months (from card issuance date) is ₹3,00,000/-.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Rewards

  • On spend of each ₹100/-, customer earns 4 reward points (subject to eligible MCCs prescribed by Bank).
  • Birthday Month: Earn 5X Rewards.
  • Monthly Milestone: Earn 5X rewards on spend of ₹20k & above.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM IST

Redemption value

Cardholder can check and redeem reward points for credit card bill payment, purchasing gift vouchers etc. using Union Rewardz app or Union Rewardz website (https://www.unionrewardz.com/user/login).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Reward cap

  • Reward points earned against each Credit Card Customer ID (CC Cust ID) capped at 10,000 per month (excluding milestone reward points).
  • Maximum milestone reward points should not exceed 10,000 RP.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Reward exclusion

Excluded MCCs (not counted for rewards): JewelleryFuelCash withdrawalBitcoinwallet loadingAlcoholwine shopsInsurance

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Upon Activation: Spend minimum ₹10,000/- within 30 days of card activation & earn additional 4,000 reward points.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Insurance

  • Group Personal Accidental (Accidental death) Insurance Coverage of ₹30,00,000/- (premium borne by cardholder).
  • Additionally, NPCI free Accidental death Insurance Coverage of ₹10,00,000/- (premium borne by NPCI).
  • Cardholders aged 18 to under 70 years eligible.
  • Up to 3 add-on cardholders eligible.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Milestone benefit

  • Annual Milestone: Additional 2000 reward points each on reaching spend of ₹1L, ₹2L, ₹3L, ₹4L and ₹5L. Monthly Milestone: 5X rewards on spend of ₹20k & above.
  • Birthday Month: 5X Rewards.
  • Maximum milestone reward points should not exceed 10000 RP.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Eligibility

Eligibility

  • Cardholders aged 18 years and up to 70 years are eligible for Accidental Death Insurance coverage.
  • Up to 3 add-on cardholders eligible after consent of primary cardholder and payment of premium.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Charges & interest

Forex markup

Foreign Currency Markup Fee: 3%.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Charge

  • Effective from September 25, 2025.
  • Card Replacement: ₹249/-.
  • Lost Card: NIL.
  • Charge slip Request: ₹200/-.
  • Temporary Enhancement: ₹200/- per occasion.
  • Hot Listing: Nil (₹200/- if MPD not paid).
  • Balance enquiry: Nil at own Bank ATM, ₹20/- at other Bank ATM.
  • Green PIN: Nil.
  • Cheque Return: ₹250/-.
  • Over limit: 2.5% of over limit amount, minimum ₹250/-.
  • Foreign Currency Markup: 3%.
  • Transaction Charges at Railways: 1.5% + IRCTC Charges.
  • Late Payment: ₹200/- (dues up to ₹25,000/-), ₹500/- (dues above ₹25,000/-).
  • Statement for >3 months: ₹50/- per statement.
  • Cash Advance: 2.5% p.m. (30% annualized) from date of withdrawal.
  • Cash Withdrawal Fee: 3% of Cash Advance or min. ₹500/- (own and other bank ATMs).
  • Service/Finance charge (simple interest): 3.00% p.m. / 36% annualized.
  • EMI: Rate of Interest 16% p.a. on reducing balances, Processing Fee 2% (min ₹200/- max ₹1,000/-), Pre-closure charges 2% of Outstanding Amount.
  • All charges exclusive of GST.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Fuel surcharge waiver

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

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM ISTUnion Bank of India

Interest-free period

  • Interest-free (grace) period ranges from 20 to 50 days, applicable only on retail purchases if the previous month's balance has been cleared in full.
  • No interest-free grace period for cash withdrawals from ATMs (Cash Advance).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card2 Aug 2026, 11:30 PM 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 Unicorn Rupay credit card?

Officially traced: Rs. 2400/- (Primary), Rs. 2400/- (Add-on).

Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card

What is the joining fee on the Union Unicorn Rupay credit card?

Officially traced: Rs. 2400/- (Primary), Rs. 2400/- (Add-on).

Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card

Is the Union Unicorn Rupay credit card annual fee ever waived?

Joining fee waived for UNICORN Card if spend on the card is Rs. 1.00 Lakhs within 90 days from activation.

Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card

How does the Union Unicorn Rupay credit card earn rewards?

On spend of each Rs. 100/-, customer earns 4 reward points (subject to eligible MCCs prescribed by Bank).

Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card

What welcome benefit does the Union Unicorn Rupay credit card offer?

Upon Activation: Spend minimum Rs. 10,000/- within 30 days of card activation & earn additional 4,000 reward points.

Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card

What are the transfer ratios for Union Unicorn Rupay credit card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card

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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