Union Bank of India Union UNI-CARBON Credit Card

Charge

• Charges (effective September 25, 2025; all exclusive of GST): Cash Advance interest 2.5% p.m. (30% annualized).
• Cash Withdrawal Fee at own/other Bank ATMs 3% of cash advance or min. ₹500/-.
• Card Replacement ₹149/-.
• Lost Card NIL.
• Charge slip Request ₹200/-.
• Temporary Enhancement ₹200/- per occasion.
• Hot Listing NIL (₹200/- if MPD not paid).
• Balance enquiry at other Bank ATM ₹20/- (own Bank NIL).
• Green PIN NIL.
• Cheque Return ₹250/-.
• Over limit 2.5% of over limit amount, min. ₹250/-.
• Foreign Currency Markup 3%.
• Transaction Charges at Railways 1.5% + IRCTC charges.
• Late Payment: dues up to ₹25,000/- ₹200/-, above ₹25,000/- ₹500/-.
• Statement for >3 months ₹50/- per statement.
• Finance/Service charge 3.00% p.m. (36% annualized).
• EMI Rate of Interest 16% p.a. on reducing balance, Processing Fee 2% (min ₹200/- max ₹1,000/-), Pre-closure 2% of outstanding.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-02 · source

Interest-free period

• Interest-free (grace) period ranges from 20 to 50 days, applicable only on retail purchases and if previous month's balance cleared in full.
• No interest-free period for cash withdrawals from ATMs.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-02 · source

Fuel surcharge waiver

Fuel Surcharge Waiver: For Union UNI CARBON card, 1% waiver on transaction value of ₹200/- and above at HPCL outlets with a cap of ₹100/- per billing cycle.

Verified · Most Important Terms & Conditions (MITC) · 2026-08-02 · source

Insurance

• Group Personal Accidental death insurance coverage of ₹10,00,000 (Union UNI CARBON - RuPay Platinum variant), premium borne by cardholder.
• Additionally NPCI free accidental death cover of ₹10,00,000 (premium borne by NPCI).

Verified · Most Important Terms & Conditions (MITC) · 2026-08-02 · source

Eligibility

• Cards (whether Primary or Add-On) will not be issued to any person less than 18 years of age.
• Up to 3 add-on cards can be issued.

Verified · Cardholder Agreement (Terms & Conditions) v1.4 – Union Bank of India Credit Cards · 2026-08-02 · source

Official terms

https://www.unionbankofindia.bank.in/en/details/union-uni-carbon-credit-card.

Verified · Union UNI-CARBON Credit Card product page · 2026-08-02 · source