Fees
Annual feeINR 999 + GST
Joining feeINR 999 + GST
Renewal feeINR 999 + GST
Fee waiverWaived in first year; waived if previous-year spend ≥ INR 1,00,000
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 62,500/month (INR 7.5 lakh p.a.)
Min income (self-emp.)INR 7.5 lakh/year (ITR)
Income requirementSalaried: INR 62,500/month (INR 7.5 lakh p.a.); Self-employed: INR 7.5 lakh/year (ITR)
Credit score700+
Age range18 to 65 (salaried); 18 to 70 (self-employed)
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes — 4X on dining, shopping, apparel, groceries
Redemption optionsBank's own online redemption store (Union Rewardz); Merchandise; Gift Vouchers; Flights & Hotels
Points expiry3 Years
Travel & lounge
Domestic lounge8 visits/year (2 per quarter)
International lounge2 visits/year
Lounge conditionsNo
Travel insuranceYes — Personal Accident Insurance INR 10 lakh (NPCI-borne); optional INR 30 lakh (cardholder-borne)
Hotel/flight offersYes — JCB and bank partner offers
ConciergeYes — domestic & international concierge via JCB
Forex waiver3.5% (standard rate — no waiver)
Lifestyle
Dining benefitsYes — discounts at partner dining outlets
Dining discountsYes — discounts at partner dining outlets
Fuel surchargeYes — 1% waiver at all petrol stations, max INR 100/month
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 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
Coverage detailsAir Accident Cover; Medical Emergency (Overseas)
Digital & security
ContactlessYes — UPI-linked via BHIM app
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