Union Bank of India Union Unicorn Rupay credit card

Charge

• Effective from September 25, 2025.
• Card Replacement: ₹249/-.
• Lost Card: NIL.
• Charge slip Request: ₹200/-.
• Temporary Enhancement: ₹200/- per occasion.
• Hot Listing: Nil (₹200/- if MPD not paid).
• Balance enquiry: Nil at own Bank ATM, ₹20/- at other Bank ATM.
• Green PIN: Nil.
• Cheque Return: ₹250/-.
• Over limit: 2.5% of over limit amount, minimum ₹250/-.
• Foreign Currency Markup: 3%.
• Transaction Charges at Railways: 1.5% + IRCTC Charges.
• Late Payment: ₹200/- (dues up to ₹25,000/-), ₹500/- (dues above ₹25,000/-).
• Statement for >3 months: ₹50/- per statement.
• Cash Advance: 2.5% p.m. (30% annualized) from date of withdrawal.
• Cash Withdrawal Fee: 3% of Cash Advance or min. ₹500/- (own and other bank ATMs).
• Service/Finance charge (simple interest): 3.00% p.m. / 36% annualized.
• EMI: Rate of Interest 16% p.a. on reducing balances, Processing Fee 2% (min ₹200/- max ₹1,000/-), Pre-closure charges 2% of Outstanding Amount.
• All charges exclusive of GST.

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source

Interest-free period

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

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source

Fuel surcharge waiver

Fuel Surcharge Waiver: 1% up to ₹100/- per month.

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source

Milestone benefit

• Annual Milestone: Additional 2000 reward points each on reaching spend of ₹1L, ₹2L, ₹3L, ₹4L and ₹5L. Monthly Milestone: 5X rewards on spend of ₹20k & above.
• Birthday Month: 5X Rewards.
• Maximum milestone reward points should not exceed 10000 RP.

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source

Redemption value

Cardholder can check and redeem reward points for credit card bill payment, purchasing gift vouchers etc. using Union Rewardz app or Union Rewardz website (https://www.unionrewardz.com/user/login).

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source

Reward cap

• Reward points earned against each Credit Card Customer ID (CC Cust ID) capped at 10,000 per month (excluding milestone reward points).
• Maximum milestone reward points should not exceed 10,000 RP.

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source

Reward exclusion

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source

Insurance

• Group Personal Accidental (Accidental death) Insurance Coverage of ₹30,00,000/- (premium borne by cardholder).
• Additionally, NPCI free Accidental death Insurance Coverage of ₹10,00,000/- (premium borne by NPCI).
• Cardholders aged 18 to under 70 years eligible.
• Up to 3 add-on cardholders eligible.

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source

Eligibility

• Cardholders aged 18 years and up to 70 years are eligible for Accidental Death Insurance coverage.
• Up to 3 add-on cardholders eligible after consent of primary cardholder and payment of premium.

Verified · Most Important Terms & Conditions (MITC) v1.4 – covers Union Unicorn RuPay Credit Card · 2026-08-02 · source