What is the annual fee of the Union Bank of India RuPay Platinum Credit Card?

Rs 350 a year, before GST. It is waived if you spend Rs 30,000 in a year.

Does the Union Bank of India RuPay Platinum Credit Card give airport lounge access?

Yes. In India: Product page says 'complimentary lounge access' but gives no count. Outside India: none listed. Conditions: RuPay lounge programme (rupay.co.in/lounges). Count not stated by the bank; cardinsider FAQ says this card has no lounge access.

What is the forex markup on the Union Bank of India RuPay Platinum Credit Card?

3% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Union Bank of India RuPay Platinum Credit Card?

No points on cash withdrawals. Other exclusions not stated on product page.

M16S / Union Bank of India / Union Bank of India RuPay Platinum Credit Card

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Union Bank of India RuPay Platinum Credit Card

Union Bank of IndiaRuPayLast checked 11 Oct 2026

The Union Bank of India RuPay Platinum Credit Card costs Rs 350 a year, waived if you spend Rs 30,000 in a year. Its base return is 0.5% (2 RP per Rs 100). The forex markup is 3%. Lounge visits in India: Product page says 'complimentary lounge access' but gives no count. Read from the issuer's own documents on 11 Oct 2026.

Annual fee: Rs 350+ GST
Fee waived at: Rs 30,000annual spend
Base return: 0.5%
Forex markup: 3%
Interest: 3%a month

Apply on unionbankofindia.bank.inOpens the bank’s own page.

What changed on this card

25 Sep 2025 CutUnion Bank raises credit card interest to 3.00% a month, Sept 2025
Union Bank's credit card MITC Version 1.4, effective from 25 September 2025, charges service charges of 3.00% a month (36% a year) whether or not the minimum payment due is paid by the due date. The MITC effective 2 December 2024 charged 2.50% a month (30% a year) when the minimum was paid and 2.95% a month (35.4% a year) when it was not. Source: Union Bank of India, unionbankofindia.bank.in, read 28 Oct 2026
25 Sep 2025 CutUnion Bank raises minimum cash withdrawal fee to Rs 500, Sept 2025
Union Bank's credit card MITC Version 1.4, effective from 25 September 2025, sets the cash withdrawal fee at 3% of the cash advance or a minimum of Rs 500 at both own bank and other bank ATMs. The MITC effective 2 December 2024 had minimums of Rs 200 at own bank ATMs and Rs 250 at other bank ATMs. Source: Union Bank of India, unionbankofindia.bank.in, read 28 Oct 2026

Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.

Fees

Joining fee	Free
Annual fee	Rs 350
Annual spend that waives the fee	Rs 30,000
Fee notes	Joining fee nil. Annual fee Rs 350 (add-on Rs 250). Waived on Rs 30,000 usage in the previous 12 months. Replacement Rs 149. Aggregator cardinsider shows Rs 299, which conflicts with the bank MITC.

Rewards

Reward currency	Union Rewardz Reward Points
Base earn	2 RP per Rs 100
Base return	0.5%
Point value	1 RP = Rs 0.25
Spends that earn nothing	No points on cash withdrawals. Other exclusions not stated on product page.
Reward notes	base_return_pct = 2 RP per Rs 100 x Rs 0.25. Redemption via Union Rewardz. Expiry not stated.

Travel and perks

Domestic loungeunverified	Product page says 'complimentary lounge access' but gives no count
Lounge conditions	RuPay lounge programme (rupay.co.in/lounges). Count not stated by the bank; cardinsider FAQ says this card has no lounge access.
Forex markup	3%
Fuel surcharge waiver	1% waiver, capped at Rs 100 per month/billing cycle
Other freebies	Accidental insurance Rs 2 lakh (NPCI-paid) plus Rs 10 lakh (cardholder-paid premium). UPI linking. Up to 3 add-on cards.

Charges and eligibility

Interest per month	3%
Late payment fee	Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000
Cash advance fee	3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date
Fine-print notes	MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Cash limit 30% of card limit.

Questions

What is the annual fee of the Union Bank of India RuPay Platinum Credit Card?: Rs 350 a year, before GST. It is waived if you spend Rs 30,000 in a year.
Does the Union Bank of India RuPay Platinum Credit Card give airport lounge access?: Yes. In India: Product page says 'complimentary lounge access' but gives no count. Outside India: none listed. Conditions: RuPay lounge programme (rupay.co.in/lounges). Count not stated by the bank; cardinsider FAQ says this card has no lounge access.
What is the forex markup on the Union Bank of India RuPay Platinum Credit Card?: 3% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Union Bank of India RuPay Platinum Credit Card?: No points on cash withdrawals. Other exclusions not stated on product page.