Skip to content
COFFERCards. Points. Value.
Back
Union Bank of India VISA Platinum Credit Card
Union Bank of India

Union Bank of India VISA Platinum 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 points

First-year fee

₹0

Annual fee

₹450 a year.

What it gives back

2 reward points 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

0.5% value back

Every ₹1,00,000 spent at this rate earns about 2,000 points, worth about ₹500 at the value Union Bank of India states for a point.

Union Bank of India's rate: “2 reward points per ₹100 spent” Proof
The bank’s words

“Reward points per Rs. 100 spent 2 points (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 2 points (1 Reward point = Rs. 0.25)”

How it compares

Compared with the cards we have read

₹450 annual fee: of the 447 other open cards whose annual fee we have read, 157 state a lower one and 290 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.

0.5% value back by our calculation: of the 90 other open cards we can work this out for, 33 return less, 40 return the same and 17 return more.

Get alerts for this card

Fees

  • Joining fee

    ₹0

  • Annual fee

    ₹450 a year.

  • Add-on card fee

    ₹350.

Rewards

  • Reward rate

    2 reward points per ₹100 · everyday spends2 reward points 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

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: ₹10.00 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.

On these lists

Apply on Union Bank of India

₹450 a year

Apply

The Sunday Statement.

Every Sunday. What your bank changed this week — before your statement tells you.