All cards / Union Bank of India
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.
Rates and fees last verified 19 July 2026.
Annual fee
₹12,499
Joining fee
₹12,499
Reward type
points
Base reward rate
0.4%
Card network
RuPay
Card tier
Super-premium
Reward rates by category
- Online shopping8% (capped ₹10,000/monthly)
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–65
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
Applying takes you to Union Bank of India's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.