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Union Bank of India
Union Bank VISA Gold Credit Card
Visa
Union Bank VISA Gold Credit Card
Union Bank's entry Visa card: no joining fee and a ₹350 annual fee waived on just ₹30,000 a year. Rewards are minimal (0.25%), so it works as a low-cost international card for Union Bank customers rather than a rewards card.
Annual fee
₹350
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Reward redemption: Redeem via Union Rewardz; 1 point = ₹0.25
- Insurance benefits: Accidental insurance cover of ₹5 lakh (premium borne by the cardholder)
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver up to ₹100 per cycle
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹30,000
- Foreign currency markup: 3%
- Interest rate: 3% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, up to ₹100 per billing cycle
- Cash advance charges: 3% of the cash advance, minimum ₹500; interest at 2.5% p.m. from the date of withdrawal
Benefits
- 1 reward point per ₹100 spent (1 point = ₹0.25)
- 1% fuel surcharge waiver up to ₹100 per cycle
Pros
- + No joining fee; ₹350 annual fee waived on ₹30,000 spend
- + Visa international acceptance
- + Up to 3 add-on cards
Cons
- − 0.25% reward rate
- − No lounge access
- − 3% monthly interest on revolving balances