Fees
Annual feeINR 299 + GST
Joining feeINR 0
Renewal feeINR 299 + GST
Fee waiverWaived if previous-year spend ≥ INR 30,000
Interest rate2.5% per month (30.0% per annum (p.a.))
Late paymentINR 200 (balance < INR 25,000); INR 500 (balance ≥ INR 25,000)
Forex markup3%
Cash advance3% of withdrawal amount (min INR 500)
Eligibility
Min income (salaried)INR 20,833/month (INR 2.5 lakh p.a.)
Min income (self-emp.)INR 2.5 lakh/year (ITR)
Income requirementSalaried: INR 20,833/month (INR 2.5 lakh p.a.); Self-employed: INR 2.5 lakh/year (ITR)
Credit score700+
Age range18 to 65 (salaried); 18 to 70 (self-employed)
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Redemption optionsBank's own online redemption store (Union Rewardz); Merchandise; Gift Vouchers
Points expiry3 Years
Travel & lounge
Domestic lounge4-8 visits/year (complimentary)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceYes — Personal Accident Insurance INR 2 lakh (NPCI-borne); optional INR 10 lakh (cardholder-borne)
ConciergeNo
Forex waiver3.5% (standard rate — no waiver)
Lifestyle
Dining benefitsYes — discounts & cashback at partner restaurants
Dining discountsYes — discounts & cashback at partner restaurants
Fuel surchargeYes — 1% waiver at all petrol stations in India, max INR 100/month
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20%-40%
EMI optionsPost-purchase; Yes — eligible transactions converted to EMI
EMI conversionPost-purchase
Min EMI amountINR 2,500+
Balance transferYes
BT interest rateAs per bank schedule
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — zero liability if loss reported promptly; nil hotlisting fee
Coverage detailsAir Accident Cover
Digital & security
ContactlessYes — UPI-linked NFC
Virtual cardYes
App featuresCard Lock/Unlock; View Statements & Due Dates; Autopay Setup; Block Lost/Stolen Card; Real-time Spend Alerts; Rewards Tracking & Redemption
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; ATM Withdrawal Toggle
Fraud protectionReal-time Transaction Alerts; OTP for Online Transactions; Tokenization (RBI Mandated); Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes — UV Connect on WhatsApp 9666606060