VISA Gold Credit Card
A Visa card with no joining fee and a ₹350 annual fee from the second year (waived on ₹30,000 of use): 1 reward point per ₹100 at ₹0.25 a point (0.25%). 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 | 1 point 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: none on record
- Fuel: 1% fuel surcharge waived, up to ₹100 a billing cycle (no transaction range stated) 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
- lounge access
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
17 figures, each copied from an official Union Bank of India document.
Show every quote and source
“VISA Gold 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 1 point (1 Reward point = Rs. 0.25)”
“If you are interested in Union Bank of India Credit Cards, 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 to customers and also 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”
“All the above Fees & Charges are exclusive of GST.”
“Cardholder can check and redeem reward points for credit card bill payment,”
“Surcharge on fuel purchase waiver 1% up to Rs. 100 per billing cycle”
“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 2.50 lakhs per Annum.”
“VISA Gold Credit Card Apply Now Union Bank of India VISA Gold Credit Card is designed for those who want better services in every walk of life.”
“Union Bank of India VISA Gold 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