Union Platinum RuPay Credit Card

The Union Platinum RuPay Credit Card is a solid, mass-market credit card issued by Union Bank of India, tailored to provide accessible credit with modest holding costs. Priced at ₹250 plus GST joining and annual renewal fee, it presents a very low financial hurdle for retail banking clients. Operating over the RuPay network, the card links directly to Google Pay, PhonePe, Paytm, and BHIM for QR merchant transactions. Cardholders earn 2 reward points per ₹100 spent on all retail purchases and eligible merchant UPI payments (where 4 points = ₹1, equating to a 0.50% effective return). Points can be redeemed for statement credit, mobile recharges, or shopping merchandise via the Union Bank reward portal. The card also provides complimentary personal accidental death insurance coverage of up to ₹5 Lakhs, alongside a 1% fuel surcharge waiver on fuel transactions up to ₹3,000 across authorized petrol pumps nationwide. The annual renewal fee of ₹250 is reversed upon spending ₹30,000 or more in an anniversary year (just ₹2,500 monthly). For Indian consumers seeking a dependable, low-cost RuPay credit card backed by a major public sector institution, the Union Platinum RuPay card is an unpretentious, sturdy choice.

Additional Cardholder Privileges

Mandatory Verification Documents