Union Bank of India VISA Gold Credit Card
Union Bank of India · Open to apply
A Visa Gold card with no joining fee: 1 reward point (₹0.25) per ₹100 spent, a ₹350 annual fee from the second year that is waived on ₹30,000 of spend in the previous year, and a 1% fuel surcharge waiver up to ₹100 a month.
- Annual fee
- ₹350 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹30,000 spend per card year
- Base rate
- 1 reward point per ₹100 spent: 1 Union Rewardz points per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Where the sources disagree
- add-on card annual fee: The MITC and Key Fact Statement give ₹250 for an add-on Gold 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
- Visa network offers and Union Bank's seasonal merchant offers are not modelled.
- The cash withdrawal limit is 20% 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 Bank of India VISA Gold Credit Card (Product page, the bank's own, read 6 Nov 2026)
- Union Bank of India credit card portal, Gold card pages (features, fees and charges, eligibility) (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)
- Union Bank of India, Key Fact Statement – Credit Cards, version 1.4 (PDF of 22 Apr 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)