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Expiry Rescue

Points about to lapse? Pick your card to see the bank's expiry rule and the best way to use them first.

Union Bank of India

VISA Gold Credit Card

When your points expire

“Reward Points earned by the Cardholder are subjected to an expiry. [...] In the event of the Credit Card being closed by the bank or voluntarily closed by the Cardholder, the Reward Points that are accumulated in the Card Account will automatically lapse.”

Cardholder Agreement · read 2 Nov 2026

Email me when this card's rules change

What your points are worth

  1. On Union Bank of India’s own portal

    1 Reward point = Rs. 0.25

    The bank’s words
    “Reward points per Rs. 100 spent 1 point (1 Reward point = Rs. 0.25)”
    Linked page on www.unionbankofindia.bank.in

Quickest way to save them

Use them on Union Bank of India’s own portal: 1 Reward point = Rs. 0.25. See the card’s page.