Card Image
Union Bank Gold Credit Card
Annual Fee
₹500
Rewards/₹100 ⓘ
₹0.25
Normalized to balance base rate with bonus categories
Interest Rate
36.00%
Credit Score
700+
At a Glance
Key Benefits
1 RP per Rs.100, Rs.2L insurance, fuel surcharge waiver
Lounge Access
No lounge access
Eligibility
Age: 21-65 years, Annual income: Rs.3 lakh+, CIBIL: 700+
Quick Details
Annual Fee
₹500
#113
Joining Fee
₹500
#112
Interest Rate
36.00% p.a.
#45
Forex Markup
3.50%
#75
Rewards/₹100
₹0.25
#276
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹25
Network MASTERCARD
Late Payment Fee ₹400
Cash Advance Fee 2.50% (min ₹500)
Over Limit Fee ₹500
Fee Waiver on Spend ₹75,000/yr
Reward Structure
Base
All Spends
₹0.25 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Milestone Benefits
Renewal Benefit
Annual fee waiver on Rs.75K spend
Spend ₹75,000 within 365 days
₹500
value
Insurance Coverage
Accident
₹2,00,000
Personal accident insurance
Lost Card
₹50,000
Lost card liability
Lifestyle Perks
Fuel
1 /month
1% fuel surcharge waiver
Quick Analysis
Union Bank Gold is an entry-level Mastercard offering basic rewards and insurance at affordable fees.
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
Entry-level users, Union Bank customers
Not Ideal For
Premium seekers, travelers
Frequently Asked Questions
What is the annual fee for Union Bank Gold Credit Card?
Yes, the annual fee is ₹500. The fee can be waived on annual spending of ₹75000.
Is there a joining fee for Union Bank Gold Credit Card?
Yes, the joining fee is ₹500.
What rewards does Union Bank Gold Credit Card offer?
You can earn rewards worth up to ₹0.25 per ₹100 spent. The base reward rate is ₹0.25 per ₹100.
Does Union Bank Gold Credit Card offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for Union Bank Gold Credit Card?
To apply for Union Bank Gold Credit Card, you need minimum age of 21 years, minimum monthly income of ₹300000, credit score of 700+.
User Reviews
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