Union Uni-Carbon Credit Card

The Union Uni-Carbon Credit Card represents a collaboration between Union Bank of India, Hindustan Petroleum Corporation Limited (HPCL), and NPCI RuPay. Priced at an affordable ₹499 plus GST joining and annual renewal fee, the card focuses squarely on reducing fuel costs for Indian vehicle owners. The core benefit is a 4% valueback on fuel purchased at HPCL retail stations: cardholders earn 16 reward points per ₹100 spent (where 4 reward points = ₹1, equating to 4.0% effective return) when paying through the HP Pay app or at select HPCL POS terminals. Cardholders also receive a 1% fuel surcharge waiver across all HPCL outlets for transactions between ₹400 and ₹4,000, bringing total fuel valueback to an impressive 5%. Because it is issued on the RuPay network, the Uni-Carbon card links seamlessly to UPI payment apps, allowing cardholders to scan QR codes at local merchants while earning 2 reward points per ₹100 on general retail and UPI transactions (0.50% return). Cardholders also receive personal accident insurance coverage up to ₹10 Lakhs. The annual fee is waived upon spending ₹50,000 in the previous year, which is easily met by anyone spending ₹4,200 monthly on fuel and utilities. For motorists who frequent HPCL petrol pumps and appreciate the backing of a major public sector bank, the Uni-Carbon card is a highly effective, cost-neutral fuel asset.

Additional Cardholder Privileges

Mandatory Verification Documents