Flagship PSU Signature Card with Domestic & International Airport Lounges
Affluent Union Bank account holders and frequent domestic travelers looking for premium airport lounge comfort and high insurance protection at low maintenance cost.
Free
One-time upfront₹1,999
Waived on ₹1.5 lakh annual spendStandard Points
On eligible spends2 Domestic visits/quarter + 2 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Union Bank VISA Signature Credit Card is the crown jewel of Union Bank of India's retail card portfolio. Tailored for high-income salaried professionals and established business proprietors, it combines high-tier Visa Signature privileges with public sector banking value and transparent terms. With zero joining fee and an annual fee of ₹1,999 plus GST (waived on spending ₹1,50,000 annually), it provides remarkable travel privileges. Cardholders enjoy 8 complimentary domestic airport lounge visits per calendar year (2 per quarter) across all tier-1 and tier-2 Indian airports. It also includes 24/7 global Visa Signature concierge service, airport immigration assistance discounts, and comprehensive personal air accident insurance up to ₹30 Lakhs. For account holders at Union Bank seeking a dependable premium credit card without exorbitant private-bank subscription charges, the Visa Signature card offers outstanding long-term utility.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| All Retail Spends | 4 Reward Points per ₹100 spent (1.00% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| All Retail Spends | ₹30,000 | 4 Reward Points per ₹100 spent (1.00% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried professionals with annual income over ₹7.5 Lakhs or self-employed individuals with equivalent ITR; age 21 to 65 years. • Joining & Annual Fee: ₹0 joining fee; ₹1,999 annual fee (waived on achieving annual retail spends of ₹1,50,000). • Airport Lounge Privileges: 8 complimentary domestic airport lounge visits per year (max 2 visits per calendar quarter) via Visa Signature lounge program. • Concierge Privileges: 24/7 global Visa Signature concierge assistance for dining, travel bookings, and event tickets. • Rewards Structure: Earn 4 reward points per ₹100 on retail transactions; 2X points on international spends and travel bookings. • Insurance Coverage: Complimentary air accident life insurance cover up to ₹30 Lakhs and lost baggage protection. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver ₹200 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹1,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Union Bank VISA Signature Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Union Bank of India portal with paperless verification.
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