Advertiser Disclosure: We earn commission from some partners. This doesn't affect our editorial independence. How we make money
Union Bank Credit Card
Union Bank Credit Card from Union Bank of India. Affiliate-tracked via Cuelinks (channel 282651). Lead payout Per Lead ₹449.1585.
Secure application on Union Bank of India's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for Union Bank Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹9,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
Rate Alerts
Get updates on WhatsApp about Union Bank Credit Card rates and offers.
On this page
Key Features
- Low annual fee
- Earns reward points on everyday retail and online spends
- Wide acceptance with contactless tap-to-pay
Rating Overview
How we rate credit cards· See rating rubricEligibility Criteria
Age
21+ Years
Income
₹0.2L / year
Documents
Rewards Program
Union Bank Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹12,000 in the best category to earn rewards equal to the ₹200 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •Low annual fee
- •Earns reward points on everyday retail and online spends
- •Wide acceptance with contactless tap-to-pay
Lifestyle
- •Dining Discounts
- •Movie Offers
Pros
- Low annual fee
- Earns reward points on everyday retail and online spends
- Wide acceptance with contactless tap-to-pay
Cons
- Annual fee might apply
Required Documents
Keep these documents ready before applying for Union Bank Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹200 |
Annual Fee From second year onwards | ₹200 |
Related Guides & Comparisons
Income Tax for Pensioners India 2026: Slabs, 80TTB ₹1 Lakh, Standard Deduction & Form 15H
EPF Higher Wage Option 2026: Status After SC 2022 + January 2026 Update
Easiest Credit Cards to Get Approved in India 2026 (Even With No Credit History)
Was this article helpful?
Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
User Reviews
Be the first to review
Rating Distribution
Related calculators
Free, no-signup tools that quantify the decision before you apply.
Annual Fee ROI
Does this card's fee pay for itself at your spend?
Forex Markup Comparator
Per-card USD-subscription cost (ChatGPT / Adobe / AWS)
Portfolio Optimiser
Best 2-card combo for your spending profile
CIBIL Simulator
Project score impact before close / late / new card
Balance Transfer Calc
Migrate outstanding to a lower-APR card
EMI Calculator
Convert a big purchase into EMIs
Ready to upgrade your wallet?
Apply for the Union Bank Credit Card today and start earning rewards on every spend.
● Secure application on Union Bank of India's official site