Travel on Points

Union Platinum RuPay Credit Card

  • Joining fee

    Nil

  • Annual fee

    Rs. 299 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    You can earn a maximum of Rs. 50 cashback per month on utility bill payment. You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet. You can also cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions. You can earn 2 reward points on every Rs. 100 spent on this card.

  • Reward redemption

    You can redeem your reward points for movies, bus & air tickets, gift vouchers, etc. A minimum of 100 reward points needs to be accumulated for redemption. 1 reward point = Rs. 0.25.

Benefits

  • Insurance

    Covers accidental air death up to Rs. 8 lakhs and other accidental death up to Rs. 5 lakhs

Fees & charges

  • Spend-based waiver

    Renewal fee waived off on spending Rs. 30,000 in the previous year.

  • Rewards redemption fee

    Nil

  • Foreign currency markup

    3%

  • Interest rates

    2.95% p.m. (41.75% p.a.)

  • Fuel surcharge waiver

    1% Fuel surcharge waiver on fuel transactions. The maximum fuel surcharge is capped at Rs. 100 per month.

  • Cash advance charges

    3% or Rs. 200 (whichever is higher)

Product highlights

  • Union Platinum RuPay Credit Card comes with no joining fee.
  • Earn 2 reward points on every Rs. 100 spent using this card.
  • Earn cashback of Rs. 50 on payment of utility bills.
  • Earn cashback of Rs. 50 on a minimum transaction of Rs. 500.
  • Earn cashback of Rs. 25 on a minimum transaction of Rs. 300 spent on the IRCTC website.
  • Covers accidental air death cover and credit card lost cover.
  • 1 RP = Rs. 0.25

FAQs

How can I redeem my accumulated reward points on the Union Bank of Inda Credit Card?

You can redeem your reward points collected on the Union Bank of Inda Credit Card from the Union Rewardz website. 1 reward point is equivalent to Rs. 0.25.

Do I get lounge access on the Union Platinum RuPay Credit Card?

No, the Union Bank of India does not provide you lounge access on the Union Platinum RuPay Credit Card.

Do I get welcome benefits on the Union Platinum RuPay Credit Card?

No, you do not get any welcome benefits on the Union Platinum RuPay Credit Card.

Do I get any spend-based waiver benefit on the Union Platinum RuPay Credit Card?

Yes, on spending Rs. 30,000 in the previous year the renewal fee on the Union Platinum RuPay Credit Card gets waived off.