Union Bank of India
Union Bank of India • RBI SCHEDULED COMMERCIAL BANK • MITC Verified
Comprehensive 2026 audit: Reward point redemption is standardized at 1 RP = ₹0.25 via Union Rewardz portal with a strict 1-year (12-month) expiry rule. Flagship metal NEXTERIA RuPay Ekaa carries ₹12,500 fee waived at ₹10L annual spend; Unicorn RuPay carries ₹4,999 fee waived at ₹5L spend. Divaa Icon provides curated quarterly lifestyle vouchers and health checkup packages. RuPay Select features enhanced 4 RP/₹100 base rate (1.0% yield). Visa Platinum and Visa Gold offer accessible waivers at ₹50,000 and ₹30,000 spends respectively.
Key Reward: 2 Reward Points per ₹100 spent (0.50% base return, 1 RP = ₹0.25). 16 domestic lounge visits/year (4/quarter) + 8 international visits with Priority Pass. 2.0% forex markup. Waived on ₹10L spend.
Key Reward: 2 Reward Points per ₹100 spent (0.50% value back, 1 RP = ₹0.25). Premium RuPay UPI credit card. 8 domestic airport lounge visits/year (2/quarter) + railway lounge access. 3.0% forex markup. Waived on ₹5L spend.
Key Reward: 2 Reward Points per ₹100 base (1 RP = ₹0.25). JCB International network privileges in Southeast Asia and JCB Plaza Lounge. Spa, gym, and wellness discounts up to ₹22,000 claimed value. 8 domestic (2/qtr) + 4 international lounge visits/year. 3.0% forex markup.
Key Reward: Up to 6.5% savings on HPCL fuel purchases via HP Pay app + 1% fuel surcharge waiver; 2 RP per ₹100 base retail. RuPay UPI enabled. Zero lounge access. 3.50% forex markup.
Key Reward: 2 Reward Points per ₹100 base (0.50% yield, 1 RP = ₹0.25). Curated vouchers (₹500 Nykaa, ₹250 Flipkart/Myntra/BigBasket, ₹1,500 Lakme Salon, Swiggy One annual membership). Free annual women's health checkup. 8 domestic (2/qtr) + 2 international lounge visits/year. 3.50% forex markup.
Key Reward: 2 Reward Points per ₹100 spent (0.50% yield, 1 RP = ₹0.25). Student and entry-level credit builder card. Zero lounge access. 3.50% forex markup.
Key Reward: 4 RP per ₹100 on healthcare & pharmacies (1.00% yield); 2 RP per ₹100 base (0.50% yield, 1 RP = ₹0.25). Health benefits up to ₹31,750 (consultations, checkup, golf). 4 domestic lounge visits/year (1/quarter). 3.50% forex markup.
Key Reward: 4 Reward Points per ₹100 spent (competitive 1.00% value back, 1 RP = ₹0.25). 8 domestic (2/quarter) + 2 international airport lounge visits per year. ₹10 Lakhs NPCI cover + ₹30 Lakhs accidental cover. 3.50% forex markup.
Key Reward: Government-backed micro-credit card facility for street vendors under PM SVANidhi. Working capital credit line. Zero retail rewards. Zero lounge access.
Key Reward: 2 Reward Points per ₹100 spent (0.50% yield, 1 RP = ₹0.25). Standard POS and e-commerce. 1% fuel surcharge waiver (capped at ₹100/cycle). ₹10 Lakhs accidental cover. 3.0% forex markup. Zero lounge access.
Key Reward: 2 Reward Points per ₹100 spent (0.50% yield, 1 RP = ₹0.25). Starter credit builder card (min income ₹1.8L p.a.). 1% fuel surcharge waiver (capped at ₹100/mo). ₹5 Lakhs accidental cover. 3.50% forex markup. Zero lounge access.
Key Advantage: Reliable reward points on everyday shopping with accidental insurance
Key Advantage: Airport + Railway lounge access with full RuPay Select gym and health check stack