M16S / Union Bank of India / Union Sparsh Credit Card
entry · rewards
Union Sparsh Credit Card
The forex markup is 3%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- —
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3%
- Interest
- 3%a month
Apply on unionbankofindia.bank.inOpens the bank’s own page.
Fees
| Fee notes | Fees not shown on the product page and the card is not a separate row in the MITC fee table. |
|---|
Travel and perks
| Forex markupunverified | 3% |
|---|---|
| Fuel surcharge waiverunverified | 1% waiver, capped at Rs 100 per month/billing cycle |
| Other freebies | Accessible card for visually impaired customers: tactile notch, 'UBI' embossed in Braille, optional photo. |
Charges and eligibility
| Interest per monthunverified | 3% |
|---|---|
| Late payment feeunverified | Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000 |
| Cash advance feeunverified | 3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date |
| Eligibility | Visually impaired customers |
| Fine-print notes | Design variant on RuPay for visually impaired customers. The bank page read gave no fee or reward detail; general MITC charges (3% p.m. interest, late fee slabs, 3% forex) are assumed to apply but are not confirmed for this variant. |
Questions
- What is the forex markup on the Union Sparsh Credit Card?
- 3% of each foreign-currency transaction, before GST.