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Union Bank of India
Union Bank RuPay Platinum Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹299
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- ✈️ Travel
Complimentary domestic airport lounge access
- 🧾 Utilities
1% reward rate
- ⛽ Fuel
1% reward rate · 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
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