Union UNI-CARBON Credit Card
An HPCL fuel co-branded RuPay card with a ₹499 joining fee and ₹550 annual fee (waived on ₹1 lakh of use): 16 points per ₹100 at HPCL (4%, up to ₹150 a cycle) plus a 1% surcharge waiver, 2 points per ₹100 on other non-fuel spends (0.5%). 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.
Fees and charges
| Joining fee | ₹499 plus GST MITC |
|---|---|
| Annual fee | ₹550 plus GST MITC |
| Annual fee waiver | On ₹1,00,000 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 |
|---|---|---|
| Fuel at authorised HPCL outlets (fills of ₹500 or more) | 16 points per ₹100 Product page | up to ₹150 a statement cycle Product page |
| Other non-fuel spends | 2 points per ₹100 Product page | no cap on record |
HPCL fuel paid through the HP Pay app also earns 6 HP loyalty points per ₹100 (1.5%) in the HP Pay wallet (not priced here). Points can be redeemed as cashback, on Union Rewardz or as fuel at HPCL; no redemption fee is stated.
No rewards on
- Fuel at non-HPCL pumps (the base rate is for non-fuel spends) Product page
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived at HPCL on fills of ₹200 or more, up to ₹100 a billing cycle Product page
- Welcome: Up to ₹300 credited to the bill for buying fuel worth ₹300 or more at HPCL within 60 days of activation Product page
- Milestone: 500 bonus points on ₹1.25 lakh of spend in a year Product page
- Milestone: 600 more bonus points on ₹1.5 lakh of spend in a year Product page
- Milestone: 700 more bonus points on ₹1.75 lakh of spend in a year Product page
- Milestone: 800 more bonus points on ₹2 lakh of spend in a year Product page
Also on this card
Quoted from Union Bank of India; not counted in the net value.
- Extra 1.5% back (6 HP loyalty points) on HPCL fuel paid through the HP Pay app Product page
- 1,000 bonus points for every ₹50,000 spent beyond ₹2 lakh in a year Product page
- Accident insurance of ₹10 lakh (premium paid by NPCI) Product page
Eligibility
- Age 21 or above Terms
- Age 65 or below Terms
- Salaried: annual income of ₹4.8 lakh or more Terms
- Self-employed or professional: annual income of ₹4.8 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 GST rate (fees are plus GST)
- a maximum fuel transaction for the HPCL rate or the surcharge waiver
- lounge access
Where Union Bank of India’s documents differ, and what is used
- The card portal says the card works only for domestic POS and ATM transactions until e-commerce and international use are switched on in the app; the forex markup (3%) applies once enabled.
The quotes behind the figures
29 figures, each copied from an official Union Bank of India document.
Show every quote and source
“Union UNI Rs 499/- NIL Rs. 550/- Rs. 250/-”
“Annual Fee waived in the first year and not levied if usage in the previous year 1,00,000/-”
“Foreign Currency Markup Fee 3%”
“2 points for every Rs. 100 spend on non-fuel transactions (1 Reward Point = Rs. 0.25)”
“1) 16 reward which would be equivalent to Rs.4.00 cashback on every Rs. 100.00 on fuel spends for transaction value of Rs.500 and above at authorized HPCL outlets spend (i.e.,4% Cash back) up to a maximum of Rs.150 per billing cycle per card.”
“16 rewards on fuel spends with a minimum transaction of 500 and above at authorized HPCL outlets which would be equivalent to 4.00 cashback on every 100.00 spend (4% Cashback) up to a maximum of 150 per billing cycle per card.”
“Foreign Currency Mark up 3%”
“Joining Fee 499/- Annual Fee - Main card 550/-”
“The Customer must purchase fuel worth Rs.300 and above at HPCL authorized fuel outlet within 60 days from activation of card”
“On reaching spends of Rs. 1,25,000 in a year cardholder will get additional points in the form of milestone rewards.”
“Redemption of rewards can also be made in the form of fuel at HPCL petrol pump / HP pay subject to technical feasibility. Each reward is equivalent to 0.25.”
“RuPay Credit card can be linked on UPI and can be used for merchant payments on UPI”
“b. For Union UNI CARBON card 1% waiver on transaction value of Rs. 200/- and above at HPCL outlets with a cap of Rs. 100/- per billing cycle”
“Only HPCL fuel transactions reflecting with the MID,provided by HPCL and configured with Union Bank of India, will be eligible for up to 5% value back(cashback and fuel surcharge waiver) and welcome bonus(one-time).”
“Cards are issued primarily to customers. To Non customers on selective basis.”
“No, rewards points are not offered on cash withdrawal transactions done on your credit card”
“As a precautionary measure for securing Card Transactions, this Uni Carbon Credit Card will work in Domestic POS and ATM channels only.”
“All the above Fees & Charges are exclusive of GST.”
“Cardholder can check and redeem reward points for credit card bill payment,”
“1% waiver on transaction value of Rs.200 and above at HPCL outlets with a cap of Rs.100 per billing cycle.”
“Up to Rs.300 by way of credit to the Bill.”
“1,25,000 500 500 1,50,000 600 1,100 1,75,000 700 1,800 2,00,000 800 2,600”
“2) Additional 1.50% cash back in the form of 6 HP loyalty points on transactions made on HP Pay App of HPCL through UNI CARBON card.”
“Customer will receive additional 1,000 rewards for every Rs. 50,000 spends beyond Rs. 2.00 lakh in a billing year.”
“Accidental Insurance Coverage Rs.10.00 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 4.8 lakh per Annum.”
“Union UNI-CARBON Credit Card Apply Now Union UNI CARBON Credit Card is a co-branded card with HPCL and RuPay for savings on fuel purchase.”
“Union UNI CARBON Credit Card is a co-branded card with HPCL and RuPay for savings on fuel purchase.”
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