Union Bank of India RuPay Platinum Credit Card
Union Bank of India · RuPay
Why this card?
- 0.5% back in reward points on eligible spends
- ₹350 annual fee; renewal fee waived on ₹30,000 yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- Union Bank of India
- Network
- RuPay
- Annual Fee
- ₹350
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 0.5% on all eligible spends
- Forex Markup
- 3%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹15,000
- Rates verified
- 2026-10-06
Our verdict
Union Bank's RuPay Platinum is among the most accessible credit cards in India — ₹350/year with no joining fee, waived at ₹30,000 spend in a year, with UPI credit capability. Ideal for first-time credit card users in Tier 2/3 cities who bank with Union Bank.
Pros
- ₹350/year with no joining fee is one of the lowest fee structures for any credit card in India
- Fee waiver at ₹30,000 of spend in a year is an easy threshold — roughly ₹2,500/month
- UPI credit is increasingly important as India's payment habits shift
- Union Bank's government ownership provides stability and branch access in smaller towns
Cons
- Rewards are thin — about 0.5% back as points on eligible spends, with fuel excluded
- No lounge visit allowance is specified, so do not count on it for travel
- Union Bank's digital app experience is basic compared to private banks
- RuPay acceptance can be limited internationally, and the forex markup is 3% — not ideal for travel abroad
- Rewards redemption may have limited options in the bank's portal