RuPay Platinum Credit Card
A RuPay card with no joining fee and a ₹350 annual fee from the second year (waived on ₹30,000 of use): 2 reward points per ₹100 at ₹0.25 a point (0.5%), UPI-enabled, with complimentary lounge access. 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: the list of spends that earn no reward. CardWise does not estimate these.
Fees and charges
| Joining fee | Nil MITC |
|---|---|
| Annual fee | ₹350 plus GST MITC |
| Annual fee waiver | On ₹30,000 of spend in the year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3% of the transaction, plus GST Fee schedule |
| Union Bank collects the annual fee from the second year; it is not charged in the first year, nor if the previous year's card use reached the waiver amount. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 2 points per ₹100 Product page | no cap on record |
Points are redeemed on Union Rewardz (bill payment, vouchers, merchandise); no redemption fee is stated.
Benefits
- Lounges: Complimentary lounge access (the number of visits is not stated) Product page
- Fuel: 1% fuel surcharge waived, up to ₹100 a billing cycle (no transaction range stated) Product page
Also on this card
Quoted from Union Bank of India; not counted in the net value.
- Accident insurance of ₹2 lakh (premium paid by NPCI) Product page
Eligibility
- Age 21 or above Terms
- Age 65 or below Terms
- Salaried: annual income of ₹2.5 lakh or more Terms
- Self-employed or professional: annual income of ₹2.5 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 spends that earn no reward points (beyond cash withdrawals)
- the GST rate (fees are plus GST)
- a minimum or maximum fuel transaction for the surcharge waiver
- the number of lounge visits
Where Union Bank of India’s documents differ, and what is used
- Fuel surcharge waiver cap: the card page says ₹100 a billing cycle; the KFS and the card portal say ₹100 a month. The card page is used.
The quotes behind the figures
19 figures, each copied from an official Union Bank of India document.
Show every quote and source
“RuPay Platinum NIL NIL Rs. 350/- Rs. 250/-”
“Annual Fee waived in the first year and not levied if usage in the previous year 30,000/-”
“Foreign Currency Markup Fee 3%”
“Reward points per Rs. 100 spent 2 points (1 Reward point = Rs. 0.25)”
“If you are interested in Union Bank of India RuPay Platinum Credit Card please visit Union Bank of India branch for further details.”
“Foreign Currency Mark up 3%”
“Annual Fee is a fee collected in advance at the beginning of the second year of the Card.”
“Cards are issued primarily to customers. To Non customers on selective basis.”
“a. 1% up to Rs 100/- per month (except Union UNI CARBON Card)”
“No, rewards points are not offered on cash withdrawal transactions done on your credit card”
“RuPay Credit card can be linked on UPI and can be used for merchant payments on UPI”
“All the above Fees & Charges are exclusive of GST.”
“Cardholder can check and redeem reward points for credit card bill payment,”
“The card comes with complimentary lounge access, can be linked on UPI for quick Scan and Pay merchant payments and much more.”
“Surcharge on fuel purchase waiver 1% up to Rs. 100 per billing cycle”
“Accidental Insurance coverage Rs. 2.00 lakhs (Premium borne by NPCI)”
“Primary card holder should be in the age bracket of 21 years to 65 years for salaried and 21 years to 65 years for professionals.”
“Income Eligibility is 2.5 lakh per Annum.”
“RuPay Platinum Credit Card Apply Now Union Bank of India RuPay Platinum Credit Card is designed for those who want better services in every walk of life.”
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