Top 6 Union Bank Lifetime Free Credit Cards in India

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

26 Nov 25
11 mins

Shreyansh Singh

08 Mins
26-11-25

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Table of Contents

Other Fees and Charges on Union Bank Lifetime Free Credit Cards
Eligibility Criteria for Union Bank Lifetime Free Credit Cards
Documents Required to Apply for a Union Bank Lifetime Free Credit Card
How To Apply for a Union Bank Lifetime Free Credit Card
Conclusion

Key Takeaways

The Union MSME Credit Card is the only Union Bank lifetime free credit card, specially designed for MSME businesses.
Most other cards offer zero joining fees and waivable renewal fees upon meeting spending milestones.
Add-on cards come with no additional joining charges.
The credit limit for the MSME card is 20% of the lender-approved fund-based working capital.
Enjoy reward points, an interest-free period of 20–50 days, and optional insurance benefits with select Union Bank cards.

The Union MSME credit card is the only Union Bank lifetime free credit card available. Apart from that, many best lifetime credit cards have no joining fee and a nominal renewal fee that can be waived if you reach a specific spending milestone.

Read more to know about the various affordable Union Bank credit cards in detail.

Union MSME Credit Card

The Union MSME credit card is a special credit card designed by UBI and NPCI to support small and medium-sized enterprises.

MSME borrowers will be able to avail of interest-free credit for 50 days on business expenses. Borrowers can get 20% of the sanctioned Fund-based Working Capital that lenders have approved for that business.

Joining Fees: Nil
Annual Renewal Fees: Nil

Features and Benefits

The Union MSME credit card users can enjoy an interest-free credit period for up to 50 days.
This card offers an EMI facility to MSME business owners or their customers for business-related expenses.
The card offers digital payment options via tools like UPI, making it easy for people to make online payments.
Get 2 domestic lounge accesses in a quarter and 2 international lounge accesses in a year.
The Union MSME credit card users can use this card for business purposes only. The Bank keeps a close eye on the customer’s purchases.
Borrowers can get 20% of the sanctioned Fund-based Working Capital that lenders have approved for that business. This is limited by a minimum of ₹20,000 and a maximum of ₹2 Lakh.

Union Bank RuPay Select Credit Card

This Union Bank lifetime free credit card benefit is designed for regular use and frequent travellers.

Its features include lounge access and free add-on cards for its customers. You can also link the cards to your UPI app to make payments easier with quick scan-and-pay. Here are some more details about the Union Bank RuPay Select Credit Card.

Joining Fee: Nil
Annual Renewal Fee: ₹550/- only (This amount will be waived if you spent ₹50,000 in the previous year).

Features and Benefits

Earn 4 reward points on every multiple of ₹100 you spend with this credit card.
NPCI has initiated providing accidental insurance coverage to its customers. Here, NPCI pays the premium for ₹10 lakhs of coverage, and you can get additional coverage of ₹30 lakhs. However, you will have to pay their premiums.
Get 1% discount on the fuel surcharge. You can save up to ₹100 in a billing cycle with this feature.
Get 8 complementary domestic airport lounge accesses in a year. The applicant can use 2 of them in a quarter.
You can get 2 complimentary international airport lounge accesses in a year with the Union Bank RuPay Select Credit Card.
You can avail up to 3 Add-on cards for your eligible family members, such as your spouse, children, or parents.

Union Bank Visa Gold Credit Card

This Union Bank Visa Gold Credit Card is a rewards card that suits your lifestyle and travel needs.

You can attain this card for free. However, there is a renewal charge that you may or may not have to pay based on your yearly spending. Read more to know about it in detail.

Joining fee: Nil
Annual Renewal Fee: ₹350/- only (This amount will be waived if you spend ₹30,000 in the previous year).

Features and Benefits

Earn 1 reward point for every multiple of ₹100 you spend.
Get a 1% discount on the fuel surcharge, up to ₹100, per billing cycle.
You can get an accidental insurance cover of ₹5 lakhs with this Union Bank lifetime free credit card. The cardholder is responsible for paying the premiums for this insurance cover.
You can get up to 3 add-on cards per credit card account. You can provide these cards to immediate family members, such as your spouse, children, and parents.

Union Bank Visa Platinum Credit Card

Union Bank Visa Platinum Credit Card offers exclusive privileges and financial flexibility.

Cardholders earn reward points on every purchase, receive a fuel surcharge waiver, and enjoy complimentary access to airport lounges. It provides enhanced security with EMV chip technology, easy EMI conversion, and access to global offers, making it ideal for frequent shoppers and travellers.

Joining fee: Nil
Annual Renewal fee: ₹450/- (This amount will be waived if you spend ₹50,000 in the previous year).

Features and Benefits

Earn 1 reward point for every multiple of ₹100 you spend.
Get a 1% discount on the fuel surcharge, up to ₹100 per billing cycle.
Get an Accidental Insurance Cover of ₹10 lakhs with the Union Bank Visa Platinum Credit Card. The cardholder will be responsible for paying the insurance premiums.
You can get up to 3 add-on cards for your immediate family members, such as your spouse, parents or children.
You can use this credit card almost everywhere, as millions of merchant outlets in India and abroad accept it.
This card features enhanced Chip and PIN technology to protect you against potential fraud.

Union Bank RuPay Platinum Credit Card

This Union Bank lifetime free credit card review is under the RuPay network.

This means you can link your credit card with your UPI app and make payments with ease. The card also comes with other features and benefits at an affordable price. Read more to know about them.

Joining Fee: Nil
Annual Renewal Fee: ₹350 (This amount will be waived if you spend ₹30,000 in the previous year).

Features and Benefits

Earn 2 reward points on every multiple of ₹100 you spend with this Union Bank lifetime free credit card.
Get 1% discount on fuel surcharge with this credit card. The most you can save on fuel surcharge from this card is ₹100 per billing cycle.
The Union Bank RuPay Platinum credit card comes with a complementary accidental insurance cover of 2 lakhs provided by NPCI. You can get an additional ₹10 lakh cover with it. However, the cardholder will be responsible for its premiums.
This Union Bank lifetime free credit card is widely accepted worldwide across millions of merchant platforms. This makes things convenient for frequent travellers.

Note: Read the Most Important T&Cs of all Union Bank Lifetime credit cards before applying for a credit card.

Ensure you consistently pay your credit card bills on time. Use the Pice App to pay all your credit card bills on one user-friendly platform and make sure you never pay any unwanted additional charges.

Other Fees and Charges on Union Bank Lifetime Free Credit Cards

Most Union Bank credit cards are available at an affordable price, and you can even turn them into Union Bank lifetime free credit cards just by reaching a particular spending milestone. However, there are additional charges too that you must be aware of. Read more to know about them.

Type of Other Fee and Charges	Amount
Interest on Late payments	When the Minimum Payment Due (MPD) is paid before the due date ends, the rate will be 2.50% per month or 30% per annum.If the Minimum Payment Due (MPD) is not paid by the due date, the rate will be 2.95% per month or 35.4% per annum.
Late Payment Fee	When the outstanding amount is up to ₹25,000: ₹200When the Outstanding amount is above ₹25,000: ₹500
Foreign Exchange Fee (Forex Fee)	3% of the transaction amount.
Cash Withdrawal Fee	3% of the withdrawal amount, subject to a minimum of ₹200 when withdrawn from a Union Bank ATM.3% of the withdrawal amount, subject to a minimum of ₹250 when withdrawn from other bank ATMs.
Overlimit Charges	2.5% of the over-limit amount, subject to a minimum of ₹250
Lost Card Replacement Charges	VISA Gold/ RuPay Platinum: ₹149 only.VISA Platinum/RuPay Select/Union MSME: ₹249 only.
Lost Card Charges	Rate of Interest: 16% p.a. on a reducing balance basis.Processing Fee: 2%, subject to a minimum of ₹200 and a maximum of ₹1,000.Pre-Closure Charges: 2% of the outstanding amount.
Charges on EMI Facility	If minimum due amount is paid: N.AIf the minimum due amount is not paid: ₹200
Hotlisting Charge	When the Minimum Payment Due (MPD) is paid before the due date ends, the rate will be 2.50% per month or 30% per annum.If the Minimum Payment Due (MPD) is not paid by the due date, the rate will be 2.95% per month or 35.4% per annum.

The Union Bank lifetime free credit cards are very affordable and can even be free. However, unwanted charges such as interest and late fees can make it expensive.

Use the Pice App to access a centralised platform for all your credit card bill payments. Get automated reminders to avoid crossing the due dates. Download the Pice App now to explore its benefits.

Eligibility Criteria for Union Bank Lifetime Free Credit Cards

Here is the list of Union Bank lifetime free credit card eligibility criteria.

Age: A salaried employee aged 18 to 65 can apply for a Union Bank lifetime free credit card. On the other hand, the age limit for self-employed professionals can be as high as 70 years.
Credit Score: 700 or more for salaried employees and 650 or more for self-employed professionals.
Residency: The applicant must be a resident of India with valid residential documents.
Income: The applicant must have a steady, reliable source of income to apply for a card.

Note: The minimum income requirement may vary across Union Bank lifetime free credit cards. You can visit the Union Bank official website or the nearest branch to find the specific details.

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Documents Required to Apply for a Union Bank Lifetime Free Credit Card

Application Form: Provide a duly filled application form for the credit card you want to apply for.
KYC Documents: PAN card, Aadhaar card, Driver’s license, etc.
Residential Address: Utility Bills, Aadhaar card, Rental agreement documents, etc.
Income Proof for Salaried Employees: Last 3 months of salary slips and 3 months' account statement.
Income Proof for Self-Employed Professionals: ITR for the last 2 years, computation of the last 6 months of income, and 6 months of account statements.

How To Apply for a Union Bank Lifetime Free Credit Card

Follow the steps for the Union Bank lifetime free credit card application process.

Step 1: Click here to view the list of credit cards offered by the Union Bank.

Step 2: Search and choose the type of Union Bank lifetime free credit card you want to apply for, and click on “Apply Now”.

Step 3: You will be redirected to another website domain. Click on “Proceed” to continue.

Step 4: Enter all required details on your screen.

Step 5: Complete the application process and wait for approval.

Conclusion

Getting Union Bank lifetime free credit cards is an affordable option for credit card users. Many Union Bank credit cards also offer benefits such as insurance coverage and lounge access. However, to keep credit cards affordable, it is important to pay your credit card bills on time.

Use the Pice App to get a one-stop payment solution for all your credit card bills. The timely automated payment reminders will help you avoid unwanted penalties.

FAQs

Is there a charge for replacing the Union Bank credit card?

No, the Union Bank of India does not charge a card replacement fee if your card is lost or stolen. Moreover, the bank offers free add-on cards for cardholders who want an additional card for their spouse, parents, or children.

What type of benefits and features does a Union Bank lifetime free credit card offer?

Most Union Bank credit cards have similar features, where they provide accidental insurance cover, waiver on fuel surcharge, complimentary airport lounge access, and more. These features may vary depending on the type of card you are applying for.

What is the interest rate and late payment fees on a Union Bank Lifetime free credit card?

Generally, the Union Bank of India charges an interest rate of 30% to 35.4% on late payments, which is comparatively lower than other banks. Moreover, the late payment fees for crossing the due date range from ₹200 to ₹500, depending on the due amount.

Does the Union Bank offer Lifetime free credit cards?

Only the Union MSME credit card is truly free for life. However, there are many other credit cards, such as the Union Bank RuPay Select, Union Bank Visa Gold, and Union Bank Visa Platinum, that have a zero joining fee and a nominal, waivable renewal fee upon reaching an achievable spending milestone.

What is the Purpose of the Union MSME credit card?

The Union MSME credit card was designed by The Union Bank of India and NPCI to support small and medium-sized enterprises. Borrowers are allowed to get credit up to 20% of their sanctioned Fund-based Working Capital approved by lenders. The Bank and NPCI launched this initiative to support MSMEs.