Union Sparsh Credit Card
Union Bank of India · Open to apply
An accessible RuPay card for visually impaired customers (Braille marking, a tactile notch, an optional photo) with the RuPay Select card's terms: no joining fee, 4 reward points (₹1) per ₹100, 2 domestic lounge visits a quarter and 2 international a year, and a ₹550 annual fee from the second year, waived on ₹50,000 of spend in the previous year.
- Annual fee
- ₹550 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 4 reward points per ₹100 spent: 4 Union Rewardz points per ₹100 (about 1% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 2 visits a calendar year
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Terms the calculator does not value
- RuPay network offers and Union Bank's seasonal merchant offers are not modelled.
- The page gives no cash withdrawal limit (RuPay Select's is 40% of the card limit). Union Bank publishes no list of merchant categories excluded from rewards for this card and no point expiry.
Sources
- Union Bank of India, Union Sparsh Credit Card (key points, eligibility, charges and features) (Product page, the bank's own, read 6 Nov 2026)
- Union Bank of India, MITC – Credit Cards, version 1.4 (effective 25 Sep 2025; PDF of 21 Apr 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)