Cards / Union Bank of India

Joining fee

Free

Annual fee

₹550

Waiver spend

₹50,000

Forex markup

3%

Fee waiver

Spend ₹50,000 in a card year and the next annual fee is waived.

That is about ₹4,167 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 4 points per ₹100

Airport lounges

• Domestic: 2 visits a quarter
• International: 2 visits a year

Points

Union Rewardz Points, worth about ₹0.25 each on the usual redemption.

Who can apply

• Age 18 to 65
• Salaried: income of ₹7,50,000 a year or more
• Self-employed: income of ₹7,50,000 a year or more

Salaried 18 to 65, professionals 21 to 65. Also issued against a fixed deposit (25% margin) without income proof

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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