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Union Platinum RuPay Credit Card – Benefits, Fees & Eligibility

The Union Platinum RuPay Credit Card is a no-joining-fee option designed for cost-conscious users who want straightforward cashback and reward points on everyday spending. It delivers up to Rs. 50 monthly cashback on utility and mobile wallet transactions, Rs. 25 cashback on IRCTC bookings, and complimentary insurance covers alongside a fuel surcharge waiver. Ideal for individuals seeking an affordable card with daily spend rewards and basic protections without premium travel perks.
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Is the Union Platinum RuPay Credit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The Union Platinum RuPay Credit Card is best suited for users who prioritize Utilities, Travel, Dining. With a joining fee of Nil and a renewal fee of ₹299 + GST, this card offers free entry for new applicants. It offers Reward Points & Cashback as its primary reward mechanism, with a rewards rate of Earn 2 reward points on every Rs. 100 spent; up to Rs. 50 monthly cashback on utility bills; up to Rs. 50 monthly cashback on mobile wallet spends (min Rs. 500); Rs. 25 cashback on IRCTC spends (min Rs. 300)..

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Last updated: 2 May 2026

Key Card Details

Joining Fee

Nil

Renewal Fee

₹299 + GST

Reward Type

Reward Points & Cashback

Foreign Currency Markup

3%

Notable Perks

Insurance Coverage

Accidental air death cover up to Rs. 8 lakhs; other accidental death cover up to Rs. 5 lakhs; credit card lost cover up to Rs. 1,50,000.

Spend-Based Waiver

Renewal fee waived on spending Rs. 30,000 in the previous year.

Things to Consider

No domestic or international lounge access limits premium travel privileges for frequent flyers.

Absence of movie or dining-specific benefits reduces appeal for entertainment-focused users.

Renewal fee of Rs. 299 + GST applies unless the Rs. 30,000 spend condition is met annually.

Last updated: 2 May 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

No welcome benefits are offered on this card.

Rewards Rate

Earn 2 reward points on every Rs. 100 spent; up to Rs. 50 monthly cashback on utility bills; up to Rs. 50 monthly cashback on mobile wallet spends (min Rs. 500); Rs. 25 cashback on IRCTC spends (min Rs. 300).

Reward Type

Reward Points & Cashback

Reward Redemption

Redeem points for movies, bus & air tickets, gift vouchers via Union Rewardz; min 100 points required; 1 point = Rs. 0.25; points valid up to 3 years.

Insurance Coverage

Accidental air death cover up to Rs. 8 lakhs; other accidental death cover up to Rs. 5 lakhs; credit card lost cover up to Rs. 1,50,000.

Fees & Charges

Know the costs before applying to avoid surprises later

Joining Fee

Nil

Renewal Fee

₹299 + GST

Spend-Based Waiver

Renewal fee waived on spending Rs. 30,000 in the previous year.

Foreign Currency Markup

3%

Interest Rates

2.95% per month (41.75% per annum)

Fuel Surcharge Waiver

1% fuel surcharge waiver on fuel transactions; maximum fuel surcharge capped at Rs. 100 per month.

Cash Advance Charges

3% or Rs. 200 (whichever is higher)

Rewards Redemption Fee

Nil

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Nil joining fee keeps upfront costs low while offering cashback and reward points on routine spends.

Consistent cashback on utility bills, mobile wallet top-ups, and IRCTC bookings boosts everyday value.

Complimentary insurance covers including accidental air death up to Rs. 8 lakhs add useful protection.

Fuel surcharge waiver of 1% capped at Rs. 100 per month reduces fuel transaction costs.

Low redemption threshold of 100 points with flexible options via Union Rewardz enhances usability.

Cons

Key drawbacks and limitations of this card.

No domestic or international lounge access limits premium travel privileges for frequent flyers.

Absence of movie or dining-specific benefits reduces appeal for entertainment-focused users.

Renewal fee of Rs. 299 + GST applies unless the Rs. 30,000 spend condition is met annually.

Limited premium-tier perks and basic reward rate may feel underwhelming for high spenders.

Card must be applied for in person at a Union Bank branch as online application is unavailable.

Product Details

Comprehensive information about this credit card

Nil joining fee for easy entry.

Earn 2 reward points on every Rs. 100 spent across all purchases.

Up to Rs. 50 cashback per month on utility bill payments.

Up to Rs. 50 cashback per month on mobile wallet transactions with min Rs. 500 spend.

Rs. 25 cashback on IRCTC transactions with min Rs. 300 spend.

Accidental air death cover up to Rs. 8 lakhs plus other accidental death cover up to Rs. 5 lakhs.

Credit card lost cover up to Rs. 1,50,000.

Renewal fee of Rs. 299 + GST waived on spending Rs. 30,000 in the previous year.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The Union Platinum RuPay Credit Card is a premium credit card offered by Union Bank of India, positioned as an affordable cashback card with decent rewards for everyday spending. It stands out with its nil joining fee and strong cashback on utility bill payments, mobile wallet top-ups, and IRCTC ticket bookings, along with complimentary insurance covers and a fuel surcharge waiver.

Welcome Benefits

  • No welcome benefits are offered on this card.

Fees

  • Joining Fee: Nil
  • Renewal Fee: Rs. 299 + GST
  • Spend-Based Waiver: Renewal fee is waived off on spending Rs. 30,000 in the previous year
  • Rewards Redemption Fee: Nil
  • Foreign Currency Markup: 3%
  • Interest Rates: 2.95% per month (41.75% per annum)
  • Fuel Surcharge: 1% fuel surcharge waiver on fuel transactions; maximum fuel surcharge capped at Rs. 100 per month
  • Cash Advance Charges: 3% or Rs. 200 (whichever is higher)

Rewards

Movies & Dining

  • No specific movie or dining benefits are offered.

Rewards Rate

  • Earn 2 reward points on every Rs. 100 spent using the card
  • Earn a maximum of Rs. 50 cashback per month on utility bill payments
  • Earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet
  • Earn Rs. 25 cashback on spending a minimum of Rs. 300 on IRCTC transactions

Travel

  • No specific travel benefits are offered.

Domestic Lounge Access

  • No domestic lounge access is provided.

International Lounge Access

  • No international lounge access is provided.

Golf

  • No golf-related benefits are offered.

Insurance Benefits

  • Accidental air death cover up to Rs. 8 lakhs
  • Other accidental death cover up to Rs. 5 lakhs
  • Credit card lost cover up to Rs. 1,50,000

Lifestyle

  • No dedicated lifestyle benefits are listed.

Rewards Redemption Guide

  • Reward points can be redeemed for movies, bus & air tickets, gift vouchers, and other options via Union Rewardz
  • A minimum of 100 reward points must be accumulated for any redemption
  • 1 reward point equals Rs. 0.25
  • Reward points are valid for up to 3 years from the date of accumulation

Card Eligibility Criteria

  • Minimum applicant age: 21 years
  • Applicant must be salaried or self-employed with a stable source of income
  • Applicant must have a decent credit history

Documents Required

  • Any valid government-approved identity and address proof
  • Copy of PAN Card
  • Passport-size photograph of the applicant
  • Latest 3 months’ salary slips or latest audited ITR for salaried individuals (as income proof)
  • Latest ITR for self-employed individuals

Card Review

  • Who Should Apply: Individuals seeking a no-joining-fee credit card with decent cashback on utility bills, mobile wallet spends, and IRCTC bookings, along with basic insurance coverage.
  • Pros: Nil joining fee; consistent cashback and reward points on daily spends; complimentary insurance covers; fuel surcharge waiver; low redemption threshold.
  • Cons: No lounge access; no movie or dining-specific benefits; renewal fee applies unless spend condition is met; limited premium-tier perks.
  • Value: Offers fair value for cost-conscious users who want straightforward cashback and insurance benefits without paying a joining fee.

Important Product Details

  • Nil joining fee
  • Earn 2 reward points on every Rs. 100 spent
  • Up to Rs. 50 cashback per month on utility bill payments
  • Up to Rs. 50 cashback per month on mobile wallet transactions with a minimum spend of Rs. 500
  • Rs. 25 cashback on IRCTC transactions with a minimum spend of Rs. 300
  • Accidental air death cover up to Rs. 8 lakhs and other accidental death cover up to Rs. 5 lakhs
  • Credit card lost cover up to Rs. 1,50,000
  • 1 reward point equals Rs. 0.25
  • Renewal fee of Rs. 299 + GST waived on spending Rs. 30,000 in the previous year
  • 1% fuel surcharge waiver, capped at Rs. 100 per month

Other Details

  • The card must be applied for in person at a Union Bank branch via a physical application form; online application is not available.
  • Terms and conditions apply; customers should review the Union Bank official website for complete details.
  • Legal disclaimers and Terms & Conditions are summarized as part of the bank’s standard card agreements.

Frequently Asked Questions

Clear, concise answers to help you understand this card better.