At a Glance
Key Benefits
1 RP per Rs.100, Rs.2L insurance, fuel surcharge waiver, fee waiver on Rs.75K spend
Lounge Access
No lounge access available
Eligibility
Age: 21-65 years, Annual income: Rs.3 lakh+, CIBIL: 700+
Quick Details
Reward Structure
All Spends
Reward Calculator
Milestone Benefits
Annual fee waiver on Rs.75,000 spend
Spend ₹75,000 within 365 days
value
Insurance Coverage
Accident
₹2,00,000
Personal accident insurance
Lost Card
₹50,000
Lost card liability protection
Lifestyle Perks
Fuel
1 /month
1% fuel surcharge waiver on Rs.500-Rs.3,000 transactions
Quick Analysis
Union Bank Visa Gold is a basic PSU bank card offering international Visa acceptance at affordable fees. Best for Union Bank customers seeking simple benefits.
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
Union Bank customers, basic card seekers, international transactions
Not Ideal For
Premium seekers, travelers, high reward seekers
Frequently Asked Questions
What are the fees?
What is the reward structure?
User Reviews
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