CREDIT CARD ISSUER

Union Bank of India Credit Cards

Q: How do I apply for a Union Bank of India credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen Union Bank of India card. You will be redirected securely to Union Bank of India's official digital application portal to complete KYC and application verification.

Q: What are the eligibility and credit score requirements for Union Bank of India credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Q: Can I get an annual fee waiver on Union Bank of India credit cards?

Many Union Bank of India credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Q: Do Union Bank of India credit cards support RuPay UPI payments?

Yes, Union Bank of India issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

Union Bank of India is a public-sector bank offering retail banking, card and payment products.

Official Portal Support Compare vs Rivals

Total Offerings

14 Active Cards

Fee Range

₹0 (LTF) – ₹2,400

Payment Networks

Visa • RuPay • JCB

Zero Fee / LTF

Spend Waiver

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UNION BANK OF INDIA PORTFOLIO

Union Bank of India Credit Cards

Explore 14 active cards and filter them by how you spend.

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Showing 14 of 14 verified Union Bank of India credit cards

Verified

3.9

Union Bank NEXTERIA Credit Card

TravelShoppingAirport Lounge

BEST FOR

OTT streaming subscriptions, dining out, and weekend lifestyle spending

Annual Fee₹499

Rewards5 Reward Points/₹125 Spent on Eligible Categories

Lounge AccessUnlimited Domestic & International

Forex Markup3.5%

Renewal fee waived on ₹1,00,000 annual spend

Last verified 3 Oct 2026

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Verified

4.3

Union Bank of India Divaa Icon Credit Card

ShoppingAirport Lounge

BEST FOR

Women executives, professionals, and entrepreneurs seeking curated wellness privileges, airport lounge comfort, and shopping rewards.

Annual Fee₹1,499

Rewards2 Reward Points/₹100 Spent

Lounge Access2 Domestic visits/quarter + 2 International visits/year

Forex Markup3%

Renewal fee waived on ₹1,00,000 annual spend

Last verified 3 Oct 2026

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4.1

Union Bank of India Divaa RuPay Credit Card

TravelShopping

BEST FOR

Women looking for everyday shopping discounts, health benefits, and effortless UPI scan-and-pay merchant transactions.

Annual Fee₹499

Rewards2 RP for every ₹100 spent

Lounge AccessNone / Spend-based

Forex Markup3%

Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

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3.7

Union Bank of India

Union Bank PM SVANidhi Credit Card

•••• •••• •••• Card2026

Union Bank PM SVANidhi Credit Card

BEST FOR

Street vendors, small artisans, and micro-business working capital

Annual Fee₹0 (Free)

RewardsStandard

Lounge AccessNone / Spend-based

Forex Markup3.5%

Last verified 3 Oct 2026

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4.0

Union Bank RuPay Combo Debit Cum Credit Card

TravelAirport Lounge

BEST FOR

Account holders seeking seamless debit-to-credit switching in one wallet card

Annual Fee₹250

RewardsN/A

Lounge Access1 Domestic visits/quarter

Forex Markup3.5%

Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

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Verified

3.3

Union Bank of India

Union Bank VISA Gold Credit Card

•••• •••• •••• Card2026

Union Bank VISA Gold Credit Card

BEST FOR

Union Bank account holders, conservative spenders, and budget-conscious cardholders wanting a low-cost credit line

Annual Fee₹350

RewardsStandard

Lounge AccessNone / Spend-based

Forex Markup3.5%

Renewal fee waived on ₹30,000 annual spend

Last verified 3 Oct 2026

visa

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Verified

4.0

Union Bank of India

Union Bank VISA Platinum Credit Card

•••• •••• •••• Card2026

Union Bank VISA Platinum Credit Card

BEST FOR

Salaried individuals and families looking for a low-cost, dependable everyday payment card from a trusted public sector bank.

Annual Fee₹450

RewardsStandard

Lounge AccessNone / Spend-based

Forex Markup3%

Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

visa

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Verified

4.3

Union Bank of India

Union Bank VISA Signature Credit Card

•••• •••• •••• Card2026

Union Bank VISA Signature Credit Card

Airport Lounge

BEST FOR

Affluent Union Bank account holders and frequent domestic travelers looking for premium airport lounge comfort and high insurance protection at low maintenance cost.

Annual Fee₹1,999

RewardsStandard

Lounge Access2 Domestic visits/quarter + 2 International visits/year

Forex Markup3%

Renewal fee waived on ₹1,50,000 annual spend

Last verified 3 Oct 2026

visa

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Verified

3.9

Union JCB Health Credit Card

Airport LoungeHealth

BEST FOR

Health screenings, medical store spends, and JCB network international benefits

Annual Fee₹499

Rewards2 RP for every ₹100 spent

Lounge Access2 Domestic visits/quarter + 2 International visits/year

Forex Markup3.5%

Renewal fee waived on ₹1,00,000 annual spend

Last verified 3 Oct 2026

jcb

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Verified

4.1

Union JCB Wellness Credit Card

ShoppingAirport LoungeHealth

BEST FOR

Fitness memberships, organic grocery shopping, and spa discounts

Annual Fee₹999

Rewards4 RP for every ₹100 spent on dining, shopping, groceries, etc. 2 RP for every ₹100 spent on other spends

Lounge Access2 Domestic visits/quarter + 2 International visits/year

Forex Markup3%

Renewal fee waived on ₹2,00,000 annual spend

Last verified 3 Oct 2026

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Verified

3.9

Union Platinum RuPay Credit Card

Shopping

BEST FOR

Public sector banking customers, value seekers, and everyday spenders wanting a cost-effective RuPay card for merchant QR scanning.

Annual Fee₹299

RewardsYou can earn a maximum of Rs. 50 cashback per month on utility bill payment. You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobi...

Lounge AccessNone / Spend-based

Forex Markup3%

Renewal fee waived on ₹30,000 annual spend

Last verified 2 Oct 2026

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Verified

3.9

Union RuPay Unicorn Credit Card

TravelShoppingAirport Lounge

BEST FOR

Frequent domestic and international flyers, PSU banking clients, and lifestyle spenders seeking premium RuPay Select privileges

Annual Fee₹2,400

Rewards4 Reward Points/₹100 Spent on Eligible Categories

Lounge Access2 Domestic visits/quarter + 2 International visits/year

Forex Markup3.5%

Renewal fee waived on ₹3,00,000 annual spend

Last verified 3 Oct 2026

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Verified

4.3

Union Select RuPay Credit Card

ShoppingAirport Lounge

BEST FOR

Spenders looking for wellness perks, golf, and domestic airport lounge access combined with RuPay credit on UPI integration.

Annual Fee₹499

RewardsYou can earn a maximum of Rs. 50 cashback per month on utility bill payment. You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobi...

Lounge Access2 Domestic visits/quarter + 2 International visits/year

Forex Markup3%

Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

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Verified

3.9

Union Uni-Carbon Credit Card

Fuel

BEST FOR

Public sector loyalists, daily motorists, and commuters who purchase fuel regularly at HPCL pumps using the HP Pay mobile application.

Annual Fee₹499

Rewards16 reward points on fuel spending of Rs 500 which is equivalent to 4% cashback and 6 payback points on fuel transactions made at HPCL fuel stations. Besides that, you earn 2 rew...

Lounge AccessNone / Spend-based

Forex Markup3%

Renewal fee waived on ₹1,00,000 annual spend

Last verified 2 Oct 2026

rupay

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COMPETITOR BENCHMARK

Compare Union Bank of India vs Competitor Banks (2026)

Benchmark Union Bank of India flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

Union Bank of India vs Competitor Banks (2026 Comparison)

Open Compare Matrix

Bank & Flagship Card	Key Specialization	Annual Fee	Top Highlight / Perk	Action
HDFC BankHDFC Bank Millennia Credit Card	Cashback	₹1,000	5% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)	Explore
SBI CardCashback SBI Card	Cashback	₹999	Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-in	Explore
ICICI BankAmazon Pay ICICI Bank Credit Card	Cashback	Free (LTF)	Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal charges	Explore
Axis BankAirtel Axis Bank Credit Card	Cashback	₹500	25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App	Explore
IDFC FIRST BankIDFC FIRST Select Credit Card	Travel	Free (LTF)	100% Lifetime Free card with zero joining fee and zero annual maintenance fees forever	Explore
American ExpressAmerican Express Platinum Travel Credit Card	Travel	₹5,000	Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spend	Explore

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About Union Bank of India Credit Cards

Issuer history, core reward architecture, and market position

Why Choose Union Bank of India Credit Cards?

Distinctive advantages of holding cards from Union Bank of India

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

Union Bank of India Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.

Frequently Asked Questions

Frequently Asked Questions About Union Bank of India Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a Union Bank of India credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen Union Bank of India card. You will be redirected securely to Union Bank of India's official digital application portal to complete KYC and application verification.

What are the eligibility and credit score requirements for Union Bank of India credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Can I get an annual fee waiver on Union Bank of India credit cards?

Many Union Bank of India credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Do Union Bank of India credit cards support RuPay UPI payments?

Yes, Union Bank of India issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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