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Union Bank of India
Union Bank VISA Platinum
Visa
Union Bank VISA Platinum
An entry-level Visa card with a low, easily-waivable annual fee and basic protections — solid for first-time cardholders.
Annual fee
₹450
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: None
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver up to ₹100/cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, up to ₹100 per billing cycle
Benefits
- 1% fuel surcharge waiver up to ₹100/cycle
Pros
- + No joining fee
- + Low annual fee
- + Easy waiver threshold
Cons
- − Minimal reward rate and no category bonuses
- − Limited benefits