Union Bank of India
Platinum · RuPay Platinum
Union RuPay Platinum Credit Card
Union Bank of India
Lifetime free RuPay Platinum for everyday transactions
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹1,000
Total Annual Benefits
₹1,000
Total Annual Charges
₹0
ROI
9999%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Reward Points (1)
1 Reward Point per ₹100
Earn 1 reward point on every ₹100 spent
- • Excluded: fuel, rent, wallet loads
1 RP/₹100
Other Benefits (1)
Lifetime Free Card
No joining fee, no annual fee — lifetime free
₹0 forever
Reward Program
Program
Union Reward Points
1 RP per ₹100 on all spends
Effective cashback: 0.25%
Points expire: Valid for 2 years
Redemption Options
- → Products & Vouchers via Union Rewards Portal
- → Cashback (1 RP = ₹0.25)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Lifetime free |
| Annual Fee | Free Lifetime free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- Free
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • Age 21–65 years
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,50,000
Features
RuPay Platinum privileges Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Lifetime free — no joining or annual fee
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Union RuPay Platinum Credit Card is a lifetime-free RuPay Platinum card offering 1 reward point per ₹100 spent. With no annual fees and basic cred...
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