Your Everyday Card, Now Packed with Rewards, Savings, and Perks
Complimentary lounge access
1% fuel surcharge waiver
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| Benefit | Details |
|---|---|
| UPI Integration | Link the card to UPI apps for seamless scan and pay merchant transactions. |
| Complimentary Lounge Access | Enjoy access to domestic airport lounges. |
| Cashback Rewards | Earn cashback on utility bill payments, mobile wallet recharges, and IRCTC bookings. |
| Low Annual Fee | Annual fee of ₹350 + GST, waived on annual spends of ₹30,000 or more. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at petrol stations across India, with a maximum benefit of ₹100 per month. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Union Bank of India |
| Bank / Non-bank | Public Sector Bank |
| Category | Cashback / Rewards |
| Type of Card | RuPay |
| Free or Paid | NIL |
The Union Bank of India RuPay Platinum Credit Card is designed for individuals seeking an affordable credit card with practical benefits. This card caters particularly well to those who frequently use digital payment platforms, as it seamlessly integrates with UPI applications for quick and convenient transactions. With its modest annual fee structure and cashback rewards on everyday expenses like utility bills and travel bookings, the card offers genuine value without unnecessary frills.
Global Acceptance: The RuPay Platinum Credit Card is accepted both domestically and internationally, ensuring convenient usage while travelling abroad.
UPI Linking: Cardholders can link their credit card to any UPI application, enabling instant payments through QR codes, mobile numbers, or virtual payment addresses whilst earning rewards on UPI transactions.
Add-on Cards: Family members above 18 years can be provided with supplementary cards at no additional cost, allowing them to share the card's benefits.
EMI Conversion: Purchases can be easily converted into EMIs of 3, 6, 9, or 12 months, offering financial flexibility and manageable repayments.
Insurance Coverage: The card comes with complimentary accidental insurance coverage of up to ₹2 lakh and protection against fraudulent transactions up to ₹1.5 lakh.
Reward Benefits: Earn reward points on every transaction, which can be redeemed against purchases or statement balance, enhancing everyday spending value.
Credit-Free Period: Enjoy a credit-free period ranging from 21 to 50 days on retail transactions, subject to timely payment of previous dues.
Reward Points: Earn 2 reward points for every ₹100 spent on eligible transactions.
Cashback on Utility Bills: Receive cashback when paying utility bills using the card, making routine payments more rewarding.
Accumulated reward points can be redeemed through multiple channels:
Union Rewardz App: Download the Union Rewardz app from Google Play Store or Apple Store to browse and redeem points for various options.
Union Rewardz Website: Visit www.unionrewardz.com to explore redemption options including merchandise, gift vouchers, and travel experiences.
Note: Redemption values and available options may vary. It's advisable to check the latest catalogue through the Union Rewardz platform.
Complimentary Access: Enjoy airport lounge access at select airports.
Enhanced Travel Experience: Relax in comfortable lounges with refreshments and amenities before flights, making travel more pleasant.
Note: Lounge access is subject to availability and must be availed through the RuPay lounge programme.
Accidental Insurance Cover: In the event of death, or permanent disability due to an accident the card provides insurance coverage of up to ₹2 lakh.
Additional Cover: An optional insurance cover of ₹10 lakh is available, for which the premium will be borne by the cardholder.
Lost Card Insurance: In case the card is lost or stolen and fraudulent transactions occur before reporting, coverage of up to ₹1.50 lakh is provided, subject to terms and conditions.
Note: Insurance claims are subject to policy terms. Cardholders should refer to the policy documents for detailed coverage information and claim procedures.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 | No charge when the card is first issued. |
| Annual Fee | ₹350 + GST | Charged every year from the second year onwards. Waived if annual spends are ₹30,000 or more. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards issued to family members. |
| Cash Advance Fee | As per bank policy | Charges apply for cash withdrawals from ATMs using the credit card. |
| Fuel Surcharge | 1% waiver available | Maximum benefit of ₹100 per billing cycle at fuel stations across India. |
| Foreign Currency Markup | As per bank policy | Additional charges apply for international transactions. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | 18 to 65 years |
Age (Self-Employed Individuals) | 18 to 70 years |
Occupation | Salaried / Self-Employed / Business Owners |
Income Requirement | Verifiable regular income through ITR or salary documentation |
Other Criteria | Good credit history, valid PAN card, valid Aadhaar card or government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Address Proof | Aadhaar Card or any valid government-issued address proof |
| Income Proof (Salaried) | Latest salary slip, Form 16, or Income Tax Returns |
| Income Proof (Self-Employed) | Income Tax Returns of the past 2 years with computation sheets |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your RuPay Platinum Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Link to UPI | Connect the card to UPI apps for instant payments and earn rewards on UPI transactions. |
Maximise Cashback | Use the card for utility bill payments, mobile wallet recharges, and IRCTC bookings to earn cashback rewards. |
Track Rewards | Monitor accumulated reward points through the Union Rewardz app or website and redeem them regularly. |
Use Fuel Benefits | Swipe the card at fuel stations to avail the 1% surcharge waiver, saving up to ₹100 monthly on fuel expenses. |
Manage Digitally | Download the Union Credit Card app to track spending, view statements, make payments, and manage card settings. |
Set Up Alerts | Enable SMS and email alerts for all transactions to stay informed and detect any unauthorised activity promptly. |
The RuPay Platinum Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.