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Union Bank of India

Union UNI-CARBON Credit Card

Best for premium rewards

₹1,000/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

₹1,000/yr

Reward rate

Not published

Min. income

₹3,00,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

₹3 lakh/yr · CIBIL 700+

Reward cap

10,000 RP per statement cycle

Welcome benefit

Accelerated rewards on milestone spends

Who is this for

  • Premium cardholder
  • Rewards optimizer

What we like

  • Premium lounge access
  • 2X reward points on all spends

Watch out for

  • Rs 750 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 ₹1,000 Not waivable
Annual fee ₹1,000 Waived on Rs 5 lakh annual spend
Late payment ₹750 Not waivable
Forex markup Not published Not waivable

Rewards

Spend category Rate Cap Redemption
All spends 2 RP per Rs 100 spent 10,000 RP per statement cycle 1 RP = Rs 0.25 (cash credit)
DINING 4 RP per Rs 100 spent 10,000 RP cap 1 RP = Rs 0.25

Benefits

  • Domestic lounge access Highlight

    Complimentary domestic airport lounge access

  • International lounge access Highlight

    Complimentary international lounge access

  • Milestone benefits Highlight

    Accelerated rewards on milestone spends

  • Fuel surcharge waiver

    1% waiver on fuel transactions

Eligibility

Age
21–65 years
Min. income
₹3,00,000
Min. credit score
700+
Score note
Good credit score
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, income proof

Union UNI-CARBON Credit Card is a VISA credit card from Union Bank of India. It is best suited for premium rewards.

Fees and rewards

  • Annual fee: Rs 1,000
  • Joining fee: Rs 1,000
  • Rewards: 2 RP per Rs 100 spent; 4 RP per Rs 100 on dining

Eligibility

PAN, Aadhaar, income proof

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

Apply for Union UNI-CARBON 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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Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Union UNI-CARBON Credit Card worth it?
Union UNI-CARBON 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 UNI-CARBON Credit Card?
Union UNI-CARBON Credit Card charges ₹1,000 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 UNI-CARBON Credit Card reward rate work?
Union UNI-CARBON 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 UNI-CARBON Credit Card?
To qualify for Union UNI-CARBON Credit Card, you typically need: minimum annual income ₹3,00,000; CIBIL score of 700+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Union UNI-CARBON Credit Card offer airport lounge access?
Complimentary domestic airport lounge access; Complimentary international lounge access

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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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