Union Bank of India VISA Signature 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

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

₹1,999 a year.

What it gives back

4 reward points per ₹100 · everyday spends

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

How it compares

Compared with the cards we have read

₹1,999 annual fee: of the 447 other open cards whose annual fee we have read, 337 state a lower one, 4 state the same and 106 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.

Fees

Rewards

Reward rate
4 reward points per ₹100 · everyday spends4 reward points per ₹100 spent.
Reward exclusions
Rewards points are not offered on cash withdrawal transactions done on your credit card.

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: ₹30.00 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.

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

₹1,999 a year

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