Union Bank of India NEXTERIA Credit Card

Union Bank of India · Open to apply

Union Bank's super-premium RuPay card for customers earning ₹25 lakh or more: 5 reward points per ₹125 spent, unlimited lounge access, ITC hotel offers, Hotelux Elite Plus membership and ₹50 lakh accident cover, for a ₹12,499 joining and annual fee (waived on ₹3 lakh spend in 90 days and ₹8 lakh a year).

Annual fee
₹12,499 + GST a year
Joining fee
₹12,499 + GST
Fee waiver
Annual fee waived on ₹8,00,000 spend per card year
Base rate
5 reward points per ₹125 spent: 5 Union Rewardz points per ₹125 (about 1% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
Forex markup
3%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No reward points on jewellery, fuel, cash withdrawals, bitcoin, wallet loads and insurance

Terms the calculator does not value

  • The value of a Nexteria reward point is not stated in any Nexteria document; ₹0.25, the Union Rewardz rate on the bank's other cards, is used. If the value differs, the card's value changes in proportion.
  • Birthday month: 10X points on online shopping and electronics spend (up to 10,000 points); monthly milestone: 5X points on spend of ₹2,00,000 and above in a month (up to 10,000 points). Neither is entered: the MITC does not say whether 5X means five times the base rate or a total, and the birthday month depends on the holder.
  • Alcohol and wine shops are excluded from points but have no category in our list. The page also lists "proposed" RuPay offers (PVR pre-screenings, concert access, District dining, RuPay Delhi lounge, MakeMyTrip and Club Marriott offers shown on RuPay's EKAA site), which can change and are not entered.

Sources

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