M16S / Union Bank of India / Union Unicorn RuPay Credit Card
premium · rewards, travel, upi
Union Unicorn RuPay Credit Card
The Union Unicorn RuPay Credit Card costs Rs 2,400 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 1% (4 RP per Rs 100 on eligible MCCs). Accelerated earn: 5X rewards in birthday month; 5X on monthly spend of Rs 20,000 or more. The forex markup is 3%. Lounge visits in India: 8 per year. Abroad: 2 per year via Priority Pass. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 2,400+ GST
- Fee waived at
- Rs 3,00,000annual spend
- Base return
- 1%
- Forex markup
- 3%
- Interest
- 3%a month
Apply on unionbankofindia.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 2,400 |
|---|---|
| Annual fee | Rs 2,400 |
| Annual spend that waives the fee | Rs 3,00,000 |
| Fee notes | Joining fee Rs 2,400 (waived on Rs 1 lakh spend within 90 days of activation). Annual fee Rs 2,400, waived on Rs 3,00,000 usage in the previous 12 months. Add-on card also Rs 2,400 joining and annual. Replacement Rs 249. |
Rewards
| Welcome benefit | 4,000 bonus RP on Rs 10,000 spend within 30 days of activation |
|---|---|
| Reward currency | Union Rewardz Reward Points |
| Base earn | 4 RP per Rs 100 on eligible MCCs |
| Base returnunverified | 1% |
| Point valueunverified | Not stated for this card in MITC or product page; other Union Rewardz cards state 1 RP = Rs 0.25 |
| Accelerated earn | 5X rewards in birthday month; 5X on monthly spend of Rs 20,000 or more |
| Caps | 10,000 RP per month per customer ID (excluding milestone points). Milestone points capped at 10,000 in total. |
| Spends that earn nothing | Jewellery, fuel, cash withdrawal, bitcoin, wallet loading, alcohol/wine shops, insurance payments |
| Milestone benefits | 2,000 bonus RP at each of Rs 1 lakh, 2 lakh, 3 lakh, 4 lakh and 5 lakh annual spend (max 10,000) |
| Reward notes | base_return_pct assumes the Rs 0.25 per point value the bank states on its other Union Rewardz cards (4 x 0.25 per Rs 100). The bank does not state point value for Unicorn. |
Travel and perks
| Domestic lounge | 8 per year |
|---|---|
| International lounge | 2 per year via Priority Pass |
| Lounge conditions | Product page states 8 domestic and 2 international visits per year via Priority Pass plus RuPay-exclusive domestic lounge access. Guest access not stated. |
| Forex markup | 3% |
| Fuel surcharge waiver | 1% waiver, capped at Rs 100 per month/billing cycle |
| Other freebies | MakeMyTrip 10% off flights up to Rs 1,500 (annual); 3 months Swiggy One; Aromas spa per quarter; Myntra Rs 250 and BigBasket Rs 250 vouchers per quarter; Nykaa Rs 500 per quarter; BookMyShow Rs 250 off per month; 12 months of one OTT (Amazon Prime/Hotstar/SonyLIV/Zee5); Rs 10 lakh personal accident cover (NPCI); overseas emergency cash concierge. |
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 40% of card limit. Add-on card carries the full Rs 2,400 fee. |
Questions
- What is the annual fee of the Union Unicorn RuPay Credit Card?
- Rs 2,400 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
- Does the Union Unicorn RuPay Credit Card give airport lounge access?
- Yes. In India: 8 per year. Outside India: 2 per year via Priority Pass. Conditions: Product page states 8 domestic and 2 international visits per year via Priority Pass plus RuPay-exclusive domestic lounge access. Guest access not stated.
- What is the forex markup on the Union Unicorn RuPay Credit Card?
- 3% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Union Unicorn RuPay Credit Card?
- Jewellery, fuel, cash withdrawal, bitcoin, wallet loading, alcohol/wine shops, insurance payments