Maximise HPCL Fuel Savings with the Union UNI Carbon Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

19 Mar 26
3 mins

Sandipan Mitra

08 Mins
19-03-26

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Table of Contents

Union UNI Carbon Credit Card Benefits
Union Bank of India UNI Carbon Credit Card Milestone Rewards
Union UNI Carbon Credit Card Charges

Save up to 6.5% on fuel purchases at HPCL outlets.
₹300 welcome benefit after fuel purchase within 60 days.
1% fuel surcharge waiver capped at ₹100 per cycle.
1.50% cashback as HP loyalty points through HP Pay.
Milestone rewards start after spending ₹1,25,000 yearly.

The Union UNI CARBON Credit Card is a co-branded credit card that helps users save up to 6.5% on fuel purchases at HPCL outlets.

New cardholders receive a welcome benefit of up to ₹300 after purchasing fuel worth ₹300 or more at HPCL outlets within 60 days of card activation. Let us now explore the key benefits of the card in detail.

Union UNI Carbon Credit Card Benefits

The card offers a 1% fuel surcharge waiver on transactions of ₹200 or more at HPCL outlets, capped at ₹100 per billing cycle. Along with this saving, the card also offers additional HPCL fuel benefits and several other useful features.

HP Pay App Benefits

Payments made at HPCL outlets through the HP Pay app earn 1.50% cashback as 6 loyalty points and an additional 4% cashback on the card.

Rewards Program

The card also offers 2 reward points for every ₹100 spent on non-fuel transactions. Each reward point has a value of ₹0.25.

Insurance Coverage

Cardholders receive ₹10 lakh accidental insurance cover, along with an additional ₹10 lakh cover under the program terms.

Union Bank of India UNI Carbon Credit Card Milestone Rewards

The Union Bank UNI Carbon Credit Card also offers milestone reward points when cardholders reach certain annual spending levels. Cardholders also receive 1,000 additional reward points for every ₹50,000 spent beyond ₹2,00,000 in a billing year.

Annual Spending	Additional Reward Points	Total Reward Points
₹1,25,000	500	500
₹1,50,000	600	1,100
₹1,75,000	700	1,800
₹2,00,000	800	2,600

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Union UNI Carbon Credit Card Charges

The annual fee of the card is completely waived and not levied if annual usage reaches ₹1,00,000.

However, there are other applicable charges that are listed below.

Parameters	Charges
Card Replacement Charges	₹149
Cheque Return Charges	₹250
Overlimit Charges	2.5% (min. ₹250)
Cash Withdrawal Charges	Union Bank ATM: 3% or min. ₹200Other ATMs: 3% or min. ₹250
Late Payment Charges	Dues up to ₹25,000: ₹200Dues above ₹25,000: ₹500

💡If you have multiple credit cards and often miss due dates, late payment charges can quickly add up and affect your monthly budget. Use the Pice App to get reminders and pay all credit card bills easily from one secure dashboard.

Footnotes

4% fuel cashback equals 16 reward points per ₹100 spent, with a maximum cashback limit of ₹150 per billing cycle.
To redeem rewards, complete the Union UNI Carbon Credit Card login on Union Rewardz. Points from cards under the same customer ID accumulate together.

FAQs

What is the UNI Carbon Credit Card online application process?

Visit the Union Bank of India credit card portal and select the UNI Carbon Credit Card from the available card options. Complete the online application form by entering your personal, employment and income details to submit the request.

What is the Union UNI Carbon Credit Card customer care number?

For assistance, cardholders can contact the customer care through the toll-free helplines 1800-2333, 1800-208-2244, 1800-425-1515 or 1800-425-3555 available across India.

What are the finance charges on the UNI Carbon Card?

If the minimum payment due is paid on time, interest is charged at 2.50% per month (30% annually). If it remains unpaid, the rate increases to 2.95% per month (35.4% annually).