All cards / Union Bank of India
Union Bank RuPay Platinum Credit Card
Union Bank's self-issued RuPay Platinum card charges a modest ₹299 annual fee (waivable on ₹30,000+ yearly spend) for basic lounge access and everyday reward points.
Annual fee
₹350
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 who clear the standard eligibility bar whose spend is concentrated in fuel, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- ✈️ Travel
Complimentary domestic airport lounge access
- ⛽ Fuel
1% fuel surcharge waiver at fuel stations across India
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹30,000
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver, up to ₹100 per billing cycle
Benefits
- Complimentary domestic airport lounge access
- 1% fuel surcharge waiver at fuel stations across India
- Reward points on retail, fuel and bill-payment spends, plus cashback offers on utility bills
Pros
- + Low, easily-waivable annual fee
- + Complimentary lounge access
- + Cashback on utility bill payments
Cons
- − Low base reward rate
- − 20–50 day interest-free window is shorter than premium cards