Premium PSU RuPay Select Card with 8 Domestic & 2 International Lounges
Frequent domestic and international flyers, PSU banking clients, and lifestyle spenders seeking premium RuPay Select privileges
₹2,400
One-time upfront₹2,400
Waived on ₹3 lakh annual spend4 Reward Points/₹100 Spent on Eligible Categories
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 RuPay Unicorn Credit Card is the crown jewel of Union Bank of India's retail payment offerings, engineered on the premier RuPay Select platform to compete head-to-head with private sector premium cards. Its defining highlight is an exceptional airport lounge program for a PSU issuer: cardholders receive 8 complimentary domestic airport lounge visits (2 per calendar quarter) plus 2 complimentary international airport lounge visits annually via Priority Pass. The card also features native RuPay UPI interoperability for scanning merchant QR codes, 5x accelerated reward points during the cardholder's birthday month, and complimentary health checkups, spa sessions, and golf privileges through the RuPay Select concierge. While the upfront fee is ₹2,400 + GST, it is completely waived upon achieving ₹3,00,000 in annual spending. Who should consider it: Union Bank customers and frequent domestic/international flyers seeking a high-utility RuPay Select card with strong lounge quotas and UPI convenience. Who should avoid it: Low-spend cardholders who cannot reach the ₹3,00,000 annual fee waiver or justify the ₹2,400 maintenance cost.
4 Reward Points/₹100 Spent on Eligible Categories
4,000 Reward Points on Spends of ₹10,000 in the First 30 Days of Card Issuance
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Birthday Month Spends | 5X Reward Points (20 RP per ₹100 spent = 5.00% valueback) during birthday month | No Cap | Standard terms apply |
| Milestone Spends | 2,000 bonus Reward Points at ₹1L, ₹2L, ₹3L, ₹4L, and ₹5L annual spend milestones | No Cap | Standard terms apply |
| General 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 |
|---|---|---|---|---|---|---|
| Birthday Month Spends | ₹6,000 | 5X Reward Points (20 RP per ₹100 spent = 5.00% valueback) during birthday month | — | None | Calculating... | Under cap |
| Milestone Spends | ₹6,000 | 2,000 bonus Reward Points at ₹1L, ₹2L, ₹3L, ₹4L, and ₹5L annual spend milestones | — | None | Calculating... | Under cap |
| General Retail Spends | ₹18,000 | 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-₹2,400
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
Key Terms & Conditions for Union RuPay Unicorn Credit Card: • Membership Fees: ₹2,400 + GST joining fee; ₹2,400 + GST annual renewal fee (Waived on spending ₹3,00,000+ in preceding membership year). • Domestic Lounge Access: 8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). • International Lounge Access: 2 complimentary international airport lounge visits per calendar year via Priority Pass. • Native RuPay UPI: Direct linkage to Google Pay, PhonePe, and BHIM for QR merchant payments. • Birthday Multiplier: 5x accelerated reward points on retail transactions during your birthday month. • RuPay Select Wellness: Complimentary annual health checkups, spa access, and golf coaching rounds. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 across domestic petrol pumps. • Finance Charges: 2.50% per month (30.00% annualized) on revolving unpaid balances. • Foreign Exchange Markup: Standard 3.50% + GST on international transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹2,400 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 RuPay Unicorn Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Union Bank of India portal with paperless verification.
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