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Union Bank of India
Union Bank Sparsh Credit Card
RuPay
Union Bank Sparsh Credit Card
Union Bank's Sparsh card is a RuPay accessibility card purpose-built for visually impaired customers, with a Braille-marked, notched design rather than premium rewards as its main feature. It's a meaningful inclusion-focused product rather than a rewards-competitive one.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver on eligible transactions.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- India's first Braille credit card design for visually impaired cardholders, with a tactile notch for easy orientation and high-contrast printing.
- Fuel surcharge waiver on eligible transactions.
- Standard reward points on retail spends, redeemable via Union Bank's rewards catalogue.
Pros
- + Tactile Braille design built for independent use by visually impaired cardholders
- + No joining fee
- + Standard RuPay acceptance and UPI-linking
Cons
- − Rewards and benefits are basic compared to mainstream RuPay cards
- − Limited public documentation on exact fee schedule
- − No lounge access or travel perks