All cards / Union Bank of India
Union Bank of India
Union Bank RuPay Classic Credit Card
RuPay
Union Bank RuPay Classic Credit Card
A basic RuPay entry card from Union Bank of India for its retail banking customers, offering nominal rewards and standard fuel surcharge protection.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹300
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries, fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🛒 Groceries
0.5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, 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
Pros
- + Very low annual fee
- + Fuel surcharge waiver
- + Simple, no-fuss card for first-time users
Cons
- − Minimal reward earning
- − No welcome bonus or milestone benefits
- − Limited to domestic RuPay acceptance for most benefits