Union Unicorn RuPay Credit Card
A RuPay lifestyle card for existing Union Bank customers with a ₹2,400 joining and annual fee (joining fee waived on ₹1 lakh of spend in 90 days, annual fee on ₹3 lakh a year): 4 points per ₹100, Priority Pass lounge visits and quarterly vouchers; 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.
Only for existing Union Bank of India customers (the bank says "ETB customer") with a regular income.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹2,400 plus GST MITC |
|---|---|
| Annual fee | ₹2,400 plus GST MITC |
| Annual fee waiver | On ₹3,00,000 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 ₹2,400 joining fee is waived on ₹1 lakh of spend within 90 days of activation; the annual fee is waived on ₹3 lakh of spend in the previous financial year. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 4 points per ₹100 Product page | up to 10,000 points a month Product page |
Union Bank does not publish the rupee value of a UNICORN reward point on a page that can be read, so the card cannot be ranked on rewards. The page calls the reward structure "proposed". The 10,000-point monthly cap is per credit card customer ID.
No rewards on
- Fuel Product page
- Wallet loading Product page
- Insurance payments (also jewellery, alcohol and wine shops) Product page
Benefits
- Lounges: 8 domestic and 2 international lounge visits a year through Priority Pass Product page
- Fuel: 1% fuel surcharge waived, up to ₹100 a month (no transaction range stated) Fee schedule
- Welcome: 4,000 bonus points for spending ₹10,000 within 30 days of activation Product page
- Milestone: 2,000 bonus points on reaching ₹1 lakh of spend in a year Product page
- Milestone: 2,000 bonus points on reaching ₹2 lakh of spend in a year Product page
- Milestone: 2,000 bonus points on reaching ₹3 lakh of spend in a year Product page
- Milestone: 2,000 bonus points on reaching ₹4 lakh of spend in a year Product page
- Milestone: 2,000 bonus points on reaching ₹5 lakh of spend in a year Product page
Also on this card
Quoted from Union Bank of India; not counted in the net value.
- 5X points in the birthday month Product page
- 5X points in a month with spend of ₹20,000 or more Product page
- Myntra ₹250, BigBasket ₹250 and Nykaa ₹500 vouchers every quarter Product page
- ₹250 off movie tickets on BookMyShow every month Product page
- 12-month OTT subscription (Amazon Prime, Hotstar, SonyLiv or Zee5) Product page
- 10% off flights on MakeMyTrip up to ₹1,500 (once a year) Product page
- 3 months of Swiggy One Product page
- Personal accident and disability cover of ₹10 lakh Product page
Eligibility
- Salaried: gross annual income of ₹5 lakh or more Terms
- Self-employed: gross annual income of ₹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 rupee value of a reward point for this card (given only in a page tab that loads by script)
- whether the card links to UPI
- age limits
- 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 UNICORN "Apply Now" page names the RuPay Platinum card ("please visit Union Bank of India branch"); it is the page the UNICORN entry links to, so it is read as the UNICORN application route.
- The card portal's UNICORN "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 ₹2,400. The MITC is used.
The quotes behind the figures
38 figures, each copied from an official Union Bank of India document.
Show every quote and source
“UNICORN Rs.2400/- Rs.2400/- Rs.2400/- Rs.2400/-”
“e. Joining fees will be waived off if spends on the card is Rs 1.00 lakhs within 90 days of the activation of the card & annual subscription charges will be waived-off on spend of 3.00 lakhs & above during previous financial year.”
“Foreign Currency Markup Fee 3%”
“On spend of each Rs. 100/-, customer earns 4 reward points subjects to eligible MCCs prescribed by Bank time to time.”
“Reward points earned against each Credit Card Customer ID (CC Cust ID) shall be capped at 10,000 per month (excluding milestone reward points).”
“On spend of each Rs. 100/-, customer earns 4 reward points subjects to eligible MCCs”
“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 UNICORN Card if spent on the card is Rs1.00 Lakhs within 90 days from the activation of Card.”
“UNICORN Rs.3,00,000/-”
“f. All other charges, insurance, fees & fuel surcharge waiver, are same as that for RuPay select variant.”
“The annual milestone Rewards Point are over and above the RP accrued every month to the customer & maximum milestone reward points should not exceed 10000.00”
“Myntra Coupon Value: INR 250 per quarter”
“Big Basket: Voucher worth 250 per quarter”
“**Rewards structure proposed as follows:”
“Joining Fee 499/- Annual Fee - Main card 550/-”
“d. Joining Fees / Annual Subscription Charges 2400/- for Primary Card & Add-on Card.”
“All the above Fees & Charges are exclusive of GST.”
“Cardholder can check and redeem reward points for credit card bill payment,”
“8 Domestic and 2 International Lounge Access per annum via Priority Pass”
“a. 1% up to Rs 100/- per month (except Union UNI CARBON Card)”
“Upon Activation : Spend min Rs 10000/- within 30 days & earn additional 4000 reward points.”
“on reaching spend of Rs. 1L- Additional 2000 rewards point”
“on reaching spend of Rs. 2L- Additional 2000 rewards point”
“on reaching spend of Rs. 3L- Additional 2000 rewards point”
“on reaching spend of Rs. 4L- Additional 2000 rewards point”
“on reaching spend of Rs. 5L- Additional 2000 rewards point”
“Birthday Month: Earn 5X Rewards.”
“Monthly Milestone: Earn 5X rewards on spend of Rs. 20k & above.”
“Nykaa: Voucher worth 500 per quarter”
“Book My Show: Flat INR 250 off on purchase of movie tickets per month”
“12 Month Amazon Prime/Hot star/Sony Liv/Zee5 Subscription”
“MMT- Discount of 10% on flights up to INR 1500 (Annual)”
“3 months Swiggy One Membership”
“10Lacs of Personal Accident Insurance and Permanent Disability Cover”
“b. Minimum Gross Annual Income to be considered as 5.00 lakhs.”
“If you are interested in Union Bank of India RuPay Platinum Credit Card please visit Union Bank of India branch for further details.”
“a. Any ETB customer having regular source of income.”
“a new Credit Card variant on the RuPay network aimed at affluent and lifestyle-oriented customers.”
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