All cards / Union Bank of India
Union Bank of India
Union Bank RuPay Business Credit Card
RuPay
Union Bank RuPay Business Credit Card
Union Bank's business variant for MSME and self-employed current-account customers, with turnover-linked limits and flat rewards on business expenses.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 21–65
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- Credit limit linked to business current account turnover
Pros
- + Turnover-linked higher limits
- + Flat rewards on all spend categories
- + Fuel surcharge waiver useful for logistics-heavy businesses
Cons
- − Only for self-employed/business applicants
- − No dedicated GST or vendor-payment reward category
- − Annual fee higher than personal variant