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Union Bank of India

Union Sparsh Credit Card

Best for healthcare, wellness

₹500/yr annual fee

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Annual fee

₹500/yr

Reward rate

Not published

Min. income

₹1,50,000

Forex markup

Not published

Lounge access

Domestic only

Eligibility

₹1.50 lakh/yr · CIBIL 650+

Reward cap

₹500/month

Welcome benefit

Welcome benefit on activation

Who is this for

  • Healthcare seeker
  • Wellness focused

What we like

  • 5% cashback on healthcare spends
  • Fuel surcharge waiver

Watch out for

  • Rs 500 late-payment fee

Issuer

Bank

Union Bank of India

Public sector bank

All Union Bank of India cards →

Headquarters

Mumbai, Maharashtra

Established 1919

Toll-free

1800-222-244

Website

www.unionbankofindia.co.in

Network

Visa

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹500 Not waivable
Annual fee ₹500 Waived on Rs 2 lakh annual spend
Late payment ₹500 Not waivable
Fuel surcharge 1% 1% surcharge waived on fuel

Rewards

Spend category Rate Cap Redemption
HEALTHCARE 5.00 ₹500/month 1.00
All spends 1.00 No cap 1.00

Benefits

  • Domestic lounge access

    None

  • Milestone benefits Highlight

    Welcome benefit on activation

  • Fuel surcharge waiver

    1% waiver on fuel transactions

Eligibility

Age
18–65 years
Min. income
₹1,50,000
Min. credit score
650+
Score note
Stable income
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, income proof

Union Sparsh Credit Card is a VISA credit card from Union Bank of India. It is best suited for healthcare, wellness.

Fees and rewards

  • Annual fee: Rs 500
  • Joining fee: Rs 500
  • Rewards: 5% cashback on healthcare; 1% on all other spends

Eligibility

PAN, Aadhaar, income proof

Card data compiled from issuer published fee schedules. Status: active.

Apply for Union Sparsh Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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Frequently asked questions

Is the Union Sparsh Credit Card worth it?
Union Sparsh Credit Card is a credit card issued by Union Bank of India. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Union Sparsh Credit Card?
Union Sparsh Credit Card charges ₹500 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the Union Sparsh Credit Card reward rate work?
Union Sparsh Credit Card earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.

What are the eligibility requirements for the Union Sparsh Credit Card?
To qualify for Union Sparsh Credit Card, you typically need: minimum annual income ₹1,50,000; CIBIL score of 650+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Union Sparsh Credit Card offer airport lounge access?
None

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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

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