All cards / Union Bank of India
Union Bank of India
Union Bank NEXTERIA
RuPay
Union Bank NEXTERIA
A super-premium metal RuPay card with milestone-based rewards, luxury hotel partnerships, and premium lifestyle benefits for high-net-worth individuals.
Annual fee
₹12,499
Joining fee
₹12,499
Reward type
points
Base reward rate
0.4%
Card network
RuPay
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.4% base rate
- Domestic lounge access: Unlimited lounge visits for primary cardholder + 2 family visits per quarter (1+3 format), domestic (RuPay)
- International lounge access: Unlimited lounge visits for primary cardholder + 2 family visits per quarter (1+3 format), international (RuPay)
Benefits by category
- ✈️ Travel
Unlimited domestic & international lounge access via Priority Pass
- 🛡️ Insurance
Comprehensive travel, accidental, and cyber insurance coverage
- 🛍️ Shopping
8% reward rate (capped ₹10,000/monthly)
- 🌍 Forex / international spend
2.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹8,00,000
- Foreign currency markup: 2.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: Fuel surcharge waiver capped at ₹75 per card per month
Benefits
- Unlimited domestic & international lounge access via Priority Pass
- Comprehensive travel, accidental, and cyber insurance coverage
Pros
- + Unlimited lounge access globally
- + High milestone bonuses at ₹10L+ annual spend
- + ITC hotel privileges and dining partnerships
Cons
- − Very high annual fee (₹12,499)
- − High income requirement
- − Requires ₹8L spend to waive renewal fee
Best for