Union Bank of India UNICORN RuPay Credit Card
Union Bank of India · Open to apply
A RuPay card for existing Union Bank customers with a ₹5 lakh income: 4 reward points (₹1) per ₹100, 4,000 bonus points on ₹10,000 of spend in 30 days, 5X in the birthday month and on ₹20,000 monthly spend, annual milestones to ₹5 lakh, and lounge, Swiggy One and shopping offers, for a ₹2,400 joining and annual fee.
- Annual fee
- ₹2,400 + GST a year
- Joining fee
- ₹2,400 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 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: 8 visits a calendar year; International: 2 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
- Birthday month: 5X rewards; monthly milestone: 5X rewards on spend of ₹20,000 and above in a month. Neither is entered: the MITC does not say whether 5X means five times the base points or a total, and the birthday month depends on the holder. Together they could change the value a lot for a heavy spender.
- The benefit offers (lounges via Priority Pass, Swiggy One, shopping vouchers, OTT subscription) are labelled "NPCI offering" on the page and can change; the page does not say whether they need a spend. Alcohol and wine shops are excluded from points but have no category in our list.
Sources
- Union Bank of India, Union UNICORN RuPay Credit Card (Product page, the bank's own, read 6 Nov 2026)
- Union Bank of India, MITC – Credit Cards, version 1.4 (effective 25 Sep 2025) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Union Bank of India, Key Fact Statement – Credit Cards, version 1.4 (Schedule of charges, the bank's own, read 6 Nov 2026)