All cards / Union Bank of India
Union Bank VISA Platinum
An entry-level Visa card with a low, easily-waivable annual fee and basic protections — solid for first-time cardholders.
Rates and fees last verified 19 July 2026.
Annual fee
₹450
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
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
Applying takes you to Union Bank of India's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.