Union Bank of India UNI CARBON Credit Card

Union Bank of India · Open to apply

Union Bank's HPCL fuel card on RuPay: 16 reward points per ₹100 (4%, at ₹0.25 a point) on HPCL fuel payments of ₹500 or more, up to ₹150 a billing cycle, plus a 1% surcharge waiver there; 2 points per ₹100 (0.5%) on other spends and annual spend milestones from ₹1.25 lakh. ₹499 joining fee and ₹550 a year, waived on ₹1 lakh of spend.

Annual fee
₹550 + GST a year
Joining fee
₹499 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
2 reward points per ₹100 on non-fuel spends: 2 Union Rewardz points per ₹100 (about 0.5% at cash value)
Lounges
None on record
Forex markup
3%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 16 reward points per ₹100 (4%) on HPCL fuel payments of ₹500 or more: 16 Union Rewardz points per ₹100 (about 4% at cash value)

Earns nothing on

  • No reward points on other fuel

Where the sources disagree

  • add-on card annual fee: The MITC and Key Fact Statement give ₹250 for an add-on Uni Carbon card; the card portal's fees page lists a flat ₹300 for add-on cards. The MITC is used.

Terms the calculator does not value

  • 1.5% back as 6 HP Pay loyalty points per ₹100 on payments made through the HP Pay app with this card, credited to the HP Pay app, not to the card (the page adds it up to 6.5% at HPCL: 4% points, 1% surcharge waiver and 1.5% HP Pay points).
  • The milestone of 1,000 points for every further ₹50,000 continues beyond ₹4 lakh a year; it is entered only up to ₹4 lakh.
  • RuPay network offers are not modelled. HPCL and Union Bank share no revenue on the co-brand (portal).

Sources

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