Union Bank Signature
87/100
·
₹1,999/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Union Bank of India
Union Bank Signature
VISA
PREMIUM
Premium
VISA
Top Rated
Union Bank Signature
by Union Bank of India · Data verified 2 days ago
Premium Visa Signature card with unlimited lounge access, ITC dining benefits, BOGO movies, and 4000 welcome reward points.
87
Score
Based on rewards, fees, benefits & eligibility
₹2K
Fee
Waiver available on spending
4
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
4 RP Earn
base reward rate
4 per year Lounges
complimentary
₹1,999/yr
waiver available
87/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹1,999
Net Annual Value
You save per year!
What's Great
- NIL joining fee for primary and add-on cardholders
- 1 complimentary domestic lounge visit per quarter (4/year) via Visa Signature
- Lower interest rate of 2.50% - 3.00% p.m. compared to most private banks
- Accidental insurance cover up to ₹30 Lakhs
- 1% fuel surcharge waiver up to ₹100 per billing cycle
Things to Consider
- Annual fee of ₹1,999 requires ₹2.7 Lakh annual spend for waiver
- No complimentary international lounge visits
- Modest effective reward return of 1.0% (4 RP per ₹100 at ₹0.25/point)
Perfect For
PSU Bank Customers
Domestic Travelers
Everyday Retail Spenders
About This Card
Premium card with lifestyle benefits
Annual Fee
₹1,999
Waiver
Waived on spending ₹2,70,000 or more in the previous year
Joining Fee
FREE
NIL admission and joining fee for primary and add-on cards
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.50% - 3.00%
Foreign Transaction Fee
Markup on international txns
3.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹100/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹250) + GST
Late Payment Fee
Charged if minimum due not paid on time
₹250 for TAD up to ₹5,000, ₹500 for ₹5,001-₹10,000, ₹750 for >₹10,000
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
4
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
4000 reward points on joining
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Shopping BONUS | 4 pts/₹100 | 4 RP per ₹100 on e-commerce and retail POS (up to 10,000 points/month) (Cap: 10,000/mo) |
| Travel | 4 pts/₹100 | 4 RP per ₹100 spent on travel bookings |
| Dining | 4 pts/₹100 | 4 RP per ₹100 spent on dining |
| Other | 4 pts/₹100 | 4 RP per ₹100 on all other retail transactions |
| Fuel | — | 1% fuel surcharge waiver (capped at ₹100/cycle); no reward points |
Point Value: 1 point = ₹0.25
|
Redemption Fee: ₹50 + GST per request
Domestic Lounges
4 per year
Travel Insurance
₹20L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹100/mo
Purchase Protection
₹200,000 cover
Lost Card Cover
₹0
Movies
- •Periodic Visa Signature entertainment and movie booking offers on BookMyShow (subject to Visa network campaigns)
Dining
- •Dining privileges and periodic seasonal discounts via Visa Signature partner dining programs
Shopping
- •Birthday Month 10X rewards on online shopping/electronics (max 10,000 points)
Travel
- •1 complimentary lounge visit per quarter via Visa program
- •2+1 ITC hotel nights
- •Premium Hotel Luxe membership
Partner Benefits
- •ITC dining, spa, hotel benefits
- •VISA Signature offers
Special Offers & Features
- •Complimentary accidental insurance coverage up to ₹30 Lakhs
- •Zero lost card liability upon timely reporting of loss
- •Up to 3 complimentary add-on cards for immediate family members
- •1% fuel surcharge waiver across all petrol pumps in India (up to ₹100 per cycle)
EMI Options
- •EMI conversion on eligible purchases
- •Tenure: 3, 6, 9, 12 months
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
87
out of 100
CardSahayak Score
"Apply Now" takes you to Union Bank of India's official website.
Eligibility
Salaried
₹40,000/mo
Self-Employed
₹40,000/mo
Age
21-65 yrs
CIBIL
720+
Employment
Salaried, Self-Employed
Card Variant
Signature
Scores
Rewards
45/100
Fees
92/100
Benefits
79/100
Access
84/100
1 Active Offer
Deals & Offers
Exclusive offers available on Union Bank Signature
MakeMyTrip
Save 10% up to ₹1,500 on domestic flight bookings with Union Bank Credit Cards on MakeMyTrip.
10
Till 31 Dec 2026
UNIONDOM
travel
Discount
Flat 10% up to ₹1,500
Min Spend
₹5,000
Max Savings
₹1,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Go to MakeMyTrip app or site.
Step 2: Select eligible domestic flights with booking value ₹5,000+.
Step 3: Apply coupon UNIONDOM on payment page.
Step 4: Complete payment with Union Bank Credit Card.
Step 2: Select eligible domestic flights with booking value ₹5,000+.
Step 3: Apply coupon UNIONDOM on payment page.
Step 4: Complete payment with Union Bank Credit Card.
Terms & Conditions
Valid on all Union Bank of India Credit Cards. Minimum transaction ₹5,000. Maximum discount ₹1,500.
Use Code:
UNIONDOM
Visit Offer
❓ FAQ
Frequently Asked Questions
Everything you need to know about Union Bank Signature
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹40,000/month min
- • Self-employed: ₹40,000/month min
- • CIBIL: 720+ recommended
The annual fee is ₹1,999.
The fee can be waived by Waived on spending ₹2,70,000 or more in the previous year.
You earn 4 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: 4000 reward points on joining on activation!
Redeem for flights, hotels, vouchers via Union Bank of India rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 4 per year
- → 1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits per year) at participating lounges across India via Visa Signature program.
- • Instant: Pre-approved Union Bank of India customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Union Bank Signature today and unlock amazing rewards and premium experiences.
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