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Union Bank of India VISA Gold Credit Card
Union Bank of India

Union Bank of India VISA Gold Credit Card

Checked against Union Bank of India's 5 documents for this card on 02 Nov 2026
COFFER Safety Stars3.5 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 12 cost questions1 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 point

First-year fee

₹0

Annual fee

₹350 a year.

What it gives back

1 reward point per ₹100 · everyday spends

Read from 5 Union Bank of India documents, last checked 7 Nov 2026.

Apply on Union Bank of India

Our calculation

0.25% value back

Every ₹1,00,000 spent at this rate earns about 1,000 points, worth about ₹250 at the value Union Bank of India states for a point.

Union Bank of India's rate: “1 reward point per ₹100 spent” Proof
The bank’s words

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

How it compares

Compared with the cards we have read

₹350 annual fee: of the 447 other open cards whose annual fee we have read, 151 state a lower one, 2 state the same and 294 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.

0.25% value back by our calculation: of the 90 other open cards we can work this out for, 11 return less, 14 return the same and 65 return more.

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Fees

  • Joining fee

    ₹0

  • Annual fee

    ₹350 a year.

  • Add-on card fee

    ₹250.

Rewards

  • Reward rate

    1 reward point per ₹100 · everyday spends1 reward point per ₹100 spent.

  • Reward exclusions

    Rewards points are not offered on cash withdrawal transactions done on your credit card.

  • What one reward unit is worth

    1 Reward point = ₹0.25.

  • Statement-credit redemption

    Redemption options, including merchandise, gift vouchers, travel experiences or credit card bill payment

  • Point expiry

    Reward Points earned by the Cardholder are subjected to an expiry.

Also included

  • Fuel surcharge waiver

    Surcharge on fuel purchase waiver: 1% up to ₹100 per billing cycle

  • Surcharge on railway tickets

    Transaction Charges at Railways 1.5% + IRCTC Charges.

  • Insurance benefit

    Accidental Insurance coverage: ₹5.00 lakhs (Premium borne by cardholder)

  • Add-on card eligibility

    Add-on Cards can be issued: Yes. Maximum 3 (three) add-on cards for spouse, children and parents can be availed by 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; Processing Fee 2% with a Minimum of ₹200/- and Maximum of ₹1,000/

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

    Any individual aged 21-65 years; for a card against a lien on term deposit, minimum age 18 years with no upper age limit

  • Minimum age

    Card (s), whether Primary or Add-On, will not be issued to any person less than 18 years of age.

Ways to redeem your points

  • Gift vouchers and gift cards

    “You can choose from a variety of redemption options, including merchandise, gift vouchers, travel experiences or credit card bill payment.” Proof

  • Products from the rewards catalogue

    “You can choose from a variety of redemption options, including merchandise, gift vouchers, travel experiences or credit card bill payment.” Proof

  • Bills and mobile recharge

    “You can choose from a variety of redemption options, including merchandise, gift vouchers, travel experiences or credit card bill payment.” Proof

  • Movies, events and experiences

    “You can choose from a variety of redemption options, including merchandise, gift vouchers, travel experiences or credit card bill payment.” Proof

Points expiring? Use Expiry Rescue

How we know - 5 documents from Union Bank of India, checked 7 Nov 2026

5 documents from Union Bank of India, checked 7 Nov 2026.

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₹350 a year

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