Union Bank of India
Signature · Signature
Union Signature Credit Card
Union Bank of India
Premium Visa Signature with 4X rewards and 8 lounge visits
Annual Fee
₹2,499
Joining Fee
₹2,499
Reward Rate
1.0%
Forex Markup
2.5%
Value Analysis
Annual Net Value
₹27,051
Total Annual Benefits
₹30,000
Total Annual Charges
₹2,949
ROI
1019%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in a membership year — ₹5,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • 2 visits per quarter at domestic lounges
8 visits/year
₹16,000/yr
Reward Points (1)
4 Reward Points per ₹100
Earn 4 reward points on every ₹100 spent
- • Excluded: fuel, rent, wallet loads
4 RP/₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Union Reward Points
4 RP per ₹100 on all spends
Effective cashback: 1.00%
Points expire: Valid for 3 years
Redemption Options
- → Products & Vouchers via Union Rewards Portal
- → Flights & Hotels
- → Cashback (1 RP = ₹0.25)
Milestone Bonuses
Annual fee waiver on spending ₹5 Lakh in a year
Spend ₹5,00,000 annual
Annual fee waiver
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,499 Plus GST |
| Annual Fee | ₹2,499 Plus GST, waived on ₹5L annual spend |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2.5%
- Interest Rate (Monthly)
- 3.25%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- Free
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹60,000
- Min. Annual Income
- ₹7,20,000
- Min. Credit Score
- 730
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹60,000
- • Self-Employed: ITR > ₹7.2 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Travel Insurance
₹20.0 L
Lost Card Liability
₹5.0 L
Report within 24h
Air Accident Cover
₹50.0 L
Purchase Protection
₹1.0 L
60 days
- • Air accident cover: ₹50 Lakh
- • Travel insurance: ₹20 Lakh
- • Lost card liability: ₹5 Lakh
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks
- • 8 complimentary domestic lounge visits per year (2 per quarter)
Transaction Limits
ATM Withdrawal / Day
₹75,000
POS & E-Commerce / Day
₹7,50,000
Contactless / Txn
₹5,000
Features
Visa Signature privileges Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Insurance coverage
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.3%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Union Signature Credit Card is a premium Visa Signature card offering 4 reward points per ₹100 spent. With 8 complimentary domestic lounge visits ...
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