Cards / Union Bank of India

Joining fee

Free

Annual fee

₹350

Waiver spend

₹30,000

Forex markup

3%

Fee waiver

Spend ₹30,000 in a card year and the next annual fee is waived.

That is about ₹2,500 a month.

Work out what you still need to spend

Work it out for this card

How the app counts rewards

• 1 point per ₹100

Points

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

Who can apply

• Age 21 to 65
• Salaried: income of ₹2,50,000 a year or more
• Self-employed: income of ₹2,50,000 a year or more

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.

More from Union Bank of India