Fees
Annual feeINR 0
Joining feeINR 0
Renewal feeINR 0
Fee waiverLifetime Free - no annual fee applicable
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)As per bank's inclusive criteria
Min income (self-emp.)As per bank's inclusive criteria
Income requirementSalaried: As per bank's inclusive criteria; Self-employed: As per bank's inclusive criteria
Credit score700+ (or -1 with FD-backing)
Age range18 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Redemption optionsBank's own online redemption store (Union Rewardz)
Points expiry3 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceYes — Personal Accident Insurance (NPCI-borne)
ConciergeNo
Forex waiver3.5% (standard rate — no waiver)
Lifestyle
Dining benefitsNo
Dining discountsNo
Fuel surchargeYes — 1% waiver at petrol stations, max INR 100/month
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 50,000 - INR 1.5 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
Digital & security
ContactlessYes — UPI-linked NFC; Braille-embossed card
Virtual cardYes
App featuresCard Lock/Unlock; View Statements & Due Dates; Autopay Setup; Block Lost/Stolen Card; Accessibility-optimised app features
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