NEXTERIA Credit Card
Union Bank's metal RuPay card with a ₹12,499 joining and annual fee (joining fee waived on ₹3 lakh of spend in 90 days, annual fee on ₹8 lakh a year): 5 points per ₹125, unlimited lounge access with family visits, ITC and HoteLux benefits; the point value is not published. Every figure below is copied from Union Bank of India’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-21.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹12,499 plus GST MITC |
|---|---|
| Annual fee | ₹12,499 plus GST MITC |
| Annual fee waiver | On ₹8,00,000 of spend in the year Terms |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3% of the transaction, plus GST Fee schedule |
| The ₹12,499 joining fee is waived on ₹3 lakh of spend within 90 days of activation; the annual fee is waived on ₹8 lakh of spend in the previous year. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 5 points per ₹125 MITC | up to 10,000 points a month MITC |
Union Bank does not publish the rupee value of a NEXTERIA reward point, so the card cannot be ranked on rewards. The 10,000-point monthly cap is per credit card customer ID.
No rewards on
Benefits
- Lounges: Unlimited domestic and international lounge visits for the cardholder, plus two family visits (1+3) a quarter Product page
- Fuel: 1% fuel surcharge waived, up to ₹100 a month (no transaction range stated) Fee schedule
- Milestone: 10,000 bonus points on ₹10 lakh of spend in a year MITC
- Milestone: 15,000 bonus points on ₹12 lakh of spend in a year MITC
Also on this card
Quoted from Union Bank of India; not counted in the net value.
- 10X points on online shopping and electronics in the birthday month (up to 10,000 points) MITC
- 5X points in a month with spend of ₹2 lakh or more (up to 10,000 points) MITC
- ITC hotels: stay 3 nights pay 2, 1+1 dining and spa Product page
- HoteLux Elite Plus membership (breakfast, upgrades, up to US$200 dining and spa credit) Product page
- Buy one get one movie ticket up to ₹500 once a month Product page
- Air accident cover of ₹1 crore and personal accident cover of ₹50 lakh Product page
- 4 complimentary golf lessons or rounds a year Product page
- Emergency cash of up to US$600 abroad if the wallet is lost Product page
Eligibility
- Salaried: gross annual income of ₹25 lakh or more Terms
- Self-employed: gross annual income of ₹25 lakh or more Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Union Bank of India in the documents read
- the rupee value of a reward point for this card
- whether the card links to UPI
- age limits (the bank says they follow its policy)
- the GST rate (fees are plus GST)
- a minimum or maximum fuel transaction for the surcharge waiver
Where Union Bank of India’s documents differ, and what is used
- The card portal's NEXTERIA "Fees and Charges" page shows ₹499 joining and ₹550 annual fees (it repeats the UNI CARBON page); the MITC, KFS and the portal's eligibility page give ₹12,499. The MITC is used.
- The portal's NEXTERIA "Apply Now" link opens the UNICORN page; a separate NEXTERIA page on the portal says to apply at a Union Bank branch.
The quotes behind the figures
32 figures, each copied from an official Union Bank of India document.
Show every quote and source
“NEXTERIA Rs.12499/- Rs.12499/- Rs.12499/- Rs.12499/-”
“e. Joining fees can be waived if spends on the card is 3.00 lakhs within 90 days of the activation of the card & annual subscription charges can be waived-off on spend of . 8.00 lakhs & above during previous year.”
“Foreign Currency Markup Fee 3%”
“On spend of each of Rs.125/-, customer earns 5 reward points subjects to eligible MCCs prescribed by Bank time to time.”
“Reward points (RP) earned against each Credit Card Customer ID shall be capped at 10,000 per month (excluding milestone reward points).”
“On spend of each of Rs.125/-, customer earns 5 reward points subjects to eligible MCCs prescribed by Bank time to time.”
“Exclusion of MCC which are not to be counted include: - Jewellery, Fuel, Cash withdrawal, Bitcoin, wallet loading, Alcohol, wine shops, Insurance payments.”
“Joining fee will be waived off for NEXTERIA Card if spent on the card is Rs3.00 Lakhs within 90 days from the activation of Card.”
“NEXTERIA Rs.8,00,000/-”
“d. Joining Fees & Annual Subscription Charges: . 12499/- for both Primary Card & Add-on Card..”
“h. All other charges, fees & fuel surcharge waiver are same as that for RuPay select variant.”
“Personal Accidental Insurance: ₹50.00 Lakhs.”
“2+1 complimentary night”
“b. Individuals can also take credit card against deposit subject to minimum deposit of Rs.10.00 lacs..”
“Joining Fee 499/- Annual Fee - Main card 550/-”
“All the above Fees & Charges are exclusive of GST.”
“Cardholder can check and redeem reward points for credit card bill payment,”
“Two Family Visit allow per Quarter 1+3 & Unlimited visit for individuals (Domestic & International).”
“a. 1% up to Rs 100/- per month (except Union UNI CARBON Card)”
“on reaching spend of Rs. 10.00 lacs - Additional 10000 rewards point”
“on reaching spend of Rs.12.00 lacs & above- Additional 15000 rewards point”
“Birthday Month: Earn 10X Reward points on online shopping/electronics spends,”
“Monthly Milestone: Earn 5X rewards on spend of Rs.200000/- & above, subject”
“ITC (Premium Hotels other than Fortune). Throughout the year, any number of times except blackout dates as per the hotel.”
“Upto USD 200 in hotel dining & Spa Credits.”
“Buy 1 get 1 ticket up to ₹500/- once a month.”
“Air Accidental Insurance: ₹1.00 Cr.”
“4 domestic complimentary golf lessons/rounds in a year (List is available in the RuPay Portal).”
“International: In case of loss of wallet, cash support of USD 600 anywhere in globe.”
“a. Any individual having minimum Gross Income per annum Rs. 25.00 lakhs and above.”
“If you are interested in Union Bank of India RuPay NEXTERIA Credit Card please visit Union Bank of India branch for further details.”
“This card is built on the "Ekaa" variant of the RuPay network.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Union Bank of India or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Union Bank of India’s own file from its website, unaltered, fetched 2026-10-21. Methodology