All cards / Union Bank of India
Union Bank Uni Carbon Credit Card
A RuPay co-brand between Union Bank of India and HPCL, built for regular fuel buyers with savings of up to 6.5% at HPCL pumps when combining fuel surcharge waiver and reward points. Outside fuel, the card behaves like a standard no-fee RuPay card.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
6.5% reward rate (capped ₹500/monthly) · 1% fuel surcharge waiver at HPCL outlets.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.49% p.a.
Benefits
- 1% fuel surcharge waiver at HPCL outlets.
- Welcome benefit on card activation.
Pros
- + Up to 6.5% savings on fuel at HPCL
- + Lifetime free with no joining or annual fee
- + Fuel surcharge waiver
Cons
- − Fuel savings are HPCL-specific, less useful elsewhere
- − Rewards outside fuel are unremarkable
- − No lounge access