Union Bank of India Credit Cards 2025
Explore all credit cards from Union Bank of India. 9 cards ranked by our experts.
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Best for: Entry-level users seeking basic rewards and fuel benefits with low annual fees
VISA Platinum
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on Union Bank of India's website
Annual fee
₹399
Rewards rate
₹0.50/₹100
Joining fee
FREE
Interest rate
30.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Cashback, Entry Level, Fuel, Rewards
CardNitty's take
Pros
- No joining fee (only Rs.399 annual fee)
- Annual fee waived on Rs.50K annual spend
- 2 reward points per Rs.100 spent
- 1% fuel surcharge waiver (save up to Rs.100/month)
- Personal accident insurance up to Rs.2 lakhs
- Lost card insurance up to Rs.1.5 lakhs
- Interest-free period up to 50 days
- Cashback on utility bills (Rs.50/month)
- Cashback on IRCTC bookings (Rs.25)
- Flexible EMI options (3/6/9/12 months)
- Wide acceptance - 9 lakh merchants in India, 29 million globally
- 24x7 customer support (1800 425 1515)
Cons
- No complimentary lounge access
- Low reward rate (0.5% effective return)
- Reward points valid for only 3 years
- Minimum 100 points required for redemption
- Limited cashback offers (max Rs.50/month on utilities)
- High interest rate on cash advance (30% p.a.)
- Cash advance fee of 2.5% per transaction
- No milestone rewards or bonus points
- No dedicated lifestyle or dining benefits
- Not ideal for premium lifestyle needs
- Modest insurance coverage vs premium cards
Best for: Women shoppers, fashion/beauty enthusiasts
Union Bank Divaa Credit Card
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on Union Bank of India's website
Annual fee
₹500
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹500
Interest rate
36.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Lifestyle, Women
CardNitty's take
Pros
- Designed exclusively for women
- 2x rewards on fashion, beauty, wellness
- Rs.2 lakh personal accident insurance
- Discounts at partner salons and spas
- 1% fuel surcharge waiver
- Low annual fee of Rs.500
Cons
- No lounge access
- Women-only eligibility
- Basic reward rate on non-bonus categories
- 3.5% forex markup
Best for: Healthcare professionals, regular medical spenders
Union Bank JCB Health Credit Card
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on Union Bank of India's website
Annual fee
₹500
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹500
Interest rate
36.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Healthcare
CardNitty's take
Pros
- 2x rewards on healthcare and pharmacy spends
- Discounts at partner hospitals and labs
- JCB network benefits
- Personal accident insurance
- Low annual fee of Rs.500
Cons
- Limited JCB acceptance in India
- No lounge access
- Niche healthcare focus
- 3.5% forex markup
Best for: Union Bank customers, domestic travelers, UPI users
Union Bank RuPay Select Credit Card
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on Union Bank of India's website
Annual fee
₹1,000
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹1,000
Interest rate
36.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lounge Access, RuPay
CardNitty's take
Pros
- 3 domestic + 2 international lounge visits per quarter
- 1-2 reward points per Rs.100 spent
- Rs.5 lakh personal accident insurance
- UPI credit line support
- NCMC functionality for transit
- 1% fuel surcharge waiver
- 24x7 concierge services
Cons
- Rs.1,000 annual fee
- Fee waiver requires Rs.1.5L spend
- 3.5% forex markup
- High APR of 36%
Best for: Premium lifestyle users, dining enthusiasts, high monthly spenders seeking rewards and insurance
VISA Signature
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on Union Bank of India's website
Annual fee
₹1,999
Rewards rate
₹1.00/₹100
Joining fee
₹1,999
Interest rate
30.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹75
Categories Dining, Lifestyle, Premium, Rewards
CardNitty's take
Pros
- High reward rate: 4 points per Rs.100 (1% return)
- Annual fee waived on Rs.2.7L annual spend
- 4 complimentary domestic lounge visits per year
- 10% discount at 1,200+ partner restaurants
- Rs.30 lakh accident insurance coverage
- Rs.6 lakh accidental death cover + Rs.10 lakh air accident cover
- 5-10% discount on international car rentals
- 1% fuel surcharge waiver (up to Rs.100/month)
- VISA Signature concierge services
- 50 days interest-free period
- Contactless payments enabled
- 3 add-on cards available
- Priority customer care
Cons
- High joining and annual fee of Rs.1,999
- Annual fee waiver requires Rs.2.7L spend
- Limited lounge access (4 visits/year vs unlimited)
- No international lounge access mentioned
- High interest rate of 30% p.a.
- Higher forex markup at 3.5%
- Card replacement fee of Rs.299
- Reward points validity limited to 3 years
- No milestone benefits or bonus rewards
- Credit limit only 20% of annual income
- No dedicated travel or shopping benefits
- Minimum 100 points required for redemption
Best for: Entry-level users, Union Bank customers
Union Bank Gold Credit Card
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on Union Bank of India's website
Annual fee
₹500
Rewards rate
₹0.25/₹100
Joining fee
₹500
Interest rate
36.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level
CardNitty's take
Pros
- Low annual fee of Rs.500
- 1 reward point per Rs.100
- Rs.2 lakh personal accident insurance
- Mastercard Gold acceptance
- 1% fuel surcharge waiver
Cons
- No lounge access
- Basic 0.25% reward rate
- No welcome bonus
- 3.5% forex markup
Best for: Credit builders, no credit history, poor credit score
Union Bank Secured Credit Card
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on Union Bank of India's website
Annual fee
₹200
Rewards rate
₹0.20/₹100
Joining fee
₹200
Interest rate
30.00%
Card details
Forex Markup
3.50%
Categories Credit Builder, Secured
CardNitty's take
Pros
- No income proof required (FD-backed)
- Ideal for building credit history
- Very low annual fee of Rs.200
- No minimum credit score required
- Lower interest rate than regular cards
- Credit limit based on FD amount
Cons
- Requires fixed deposit as security
- Limited credit limit (80-90% of FD)
- Very basic rewards
- FD locked until card closure
- No lounge access
Best for: Union Bank customers, basic card seekers, international transactions
Union Bank Visa Gold Credit Card
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on Union Bank of India's website
Annual fee
₹500
Rewards rate
₹0.25/₹100
Joining fee
₹500
Interest rate
36.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Rewards, Visa
CardNitty's take
Pros
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- Visa Gold international acceptance
- 1 reward point per Rs.100 spent
- 1% fuel surcharge waiver
- Rs.2 lakh personal accident insurance
- Interest-free period up to 50 days
- EMI conversion available
Cons
- No airport lounge access
- Basic reward rate of 0.25%
- No welcome bonus
- 3.5% forex markup
- High APR of 36% per annum
Best for: First-time users, low income earners
Union Bank Silver Credit Card
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on Union Bank of India's website
Annual fee
₹250
Rewards rate
₹0.20/₹100
Joining fee
₹250
Interest rate
36.00%
Card details
Forex Markup
3.50%
Categories Entry Level
CardNitty's take
Pros
- Very low annual fee of Rs.250
- Easy fee waiver on Rs.50K spend
- Ideal for first-time card users
- Basic insurance coverage
- Fuel surcharge waiver
Cons
- Very low credit limit (max Rs.1.5L)
- Low reward rate (0.20%)
- No lounge access
- Limited benefits
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