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Union Bank of India

Union Unicorn Rupay Credit Card

Best for online shopping, cashback

Lifetime free

RuPay Lifetime free

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

Lifetime free

Reward rate

Not published

Min. income

₹1,00,000

Forex markup

Not published

Lounge access

Domestic only

Eligibility

₹1 lakh/yr · CIBIL 600+

Reward cap

₹200/month

Welcome benefit

Welcome cashback on activation

Who is this for

  • Online shopper
  • First-time cardholder

What we like

  • Lifetime free card
  • Cashback on online spends

Watch out for

  • Low reward rate outside online

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

RuPay

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹0 N/A (LTF)
Late payment ₹350 Not waivable
Fuel surcharge 1% 1% surcharge waived on fuel

Rewards

Spend category Rate Cap Redemption
ONLINE 1.50 ₹200/month 1.00
All spends 0.50 No cap 1.00

Benefits

  • Domestic lounge access

    None

  • Milestone benefits Highlight

    Welcome cashback on activation

Eligibility

Age
18–65 years
Min. income
₹1,00,000
Min. credit score
600+
Score note
Stable income
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, income proof

Union Unicorn Rupay Credit Card is a Rupay credit card from Union Bank of India. It is best suited for online shopping, cashback.

Fees and rewards

  • Annual fee: Nil
  • Joining fee: Nil
  • Rewards: 1.5% cashback on online spends; 0.5% on all other

Eligibility

PAN, Aadhaar, income proof

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

Apply for Union Unicorn Rupay Credit Card

Last reviewed · How we review

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

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Union Unicorn Rupay Credit Card worth it?
Union Unicorn Rupay 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 Unicorn Rupay Credit Card?
Union Unicorn Rupay Credit Card is a lifetime-free card with no annual or joining fee.

How does the Union Unicorn Rupay Credit Card reward rate work?
Union Unicorn Rupay 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 Unicorn Rupay Credit Card?
To qualify for Union Unicorn Rupay Credit Card, you typically need: minimum annual income ₹1,00,000; CIBIL score of 600+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Union Unicorn Rupay 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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