Union Bank UNI Carbon credit card credit card
Joining Fee:

₹499 +GST

Return Percentage:

0.5% to 1.5%

Credit Card Overview

A modern rewards card built for online, travel, and lifestyle spending with a focus on digital-first features. Best suited for young earners who spend heavily on e-commerce and day-to-day categories.

Best Suited For:

Union Bank logoUnion BankRuPay

Fees and charges at a glance

Annual fee
₹550

Charged every year you keep the card

Joining fee
₹499

Paid once when you get the card, plus GST

Reward rate
0.5% to 1.5%

Depends where you spend

Forex markup
3%

Extra charge on foreign spends

Union Bank UNI Carbon credit card — Earn Categories

Everyday rate

  • Base Rewards2 Reward Point (reward points) / ₹100

1 more earning category on this card

We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Fuel
  • Rent
  • Wallets
  • UPI