All cards / Union Bank of India
Union Unicorn RuPay Credit Card
Union Bank's most premium RuPay card, bundling lounge access, an OTT subscription and lifestyle vouchers (Myntra, BigBasket, Nykaa, BookMyShow) into a single lifestyle-focused package.
Annual fee
₹2,400
Joining fee
₹2,400
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, travel, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 8 complimentary domestic lounge visits per year via Priority Pass
- International lounge access: 2 complimentary international lounge visits per year via Priority Pass
Benefits by category
- ✈️ Travel
8 domestic + 2 international airport lounge visits/year via Priority Pass
- 🛡️ Insurance
Personal accident cover up to ₹10 lakh
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹42,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: Fuel surcharge waiver capped at ₹75 per card per month
Benefits
- 4,000 bonus points on ₹10,000 spend within 30 days of activation
- 8 domestic + 2 international airport lounge visits/year via Priority Pass
- 3-month Swiggy One membership; quarterly Myntra/BigBasket/Nykaa vouchers; monthly BookMyShow discount
- Personal accident cover up to ₹10 lakh
- 5X points in birthday month; 2,000 bonus points at each of ₹1L/₹2L/₹3L/₹4L/₹5L annual spend
Pros
- + Rich lifestyle voucher bundle (dining, shopping, entertainment)
- + 8 domestic + 2 international lounge visits/year
- + Generous birthday-month and spend milestone bonuses
Cons
- − High fee needs ₹3L/year spend to waive
- − Reward points capped at 10,000/month excluding milestones
- − Relatively new — limited redemption track record
Best for