Union Bank of India RuPay Platinum Credit Card Review

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.

16 Mar 26
3 mins

Sandipan Mitra

08 Mins
16-03-26

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Table of Contents

Union Bank of India RuPay Platinum Credit Card Benefits
Union Bank of India RuPay Platinum Credit Card Charge

Earn 2 reward points for every ₹100 spent on purchases.
Annual fee is ₹350 for the primary card and ₹250 for add-on cards.
Accidental insurance cover includes ₹2 lakh protection.
Cash withdrawal is allowed up to 30% of the credit limit.

The Union Bank of India RuPay Platinum Credit Card offers a balance of convenience and everyday rewards.

Cardholders earn 2 reward points for every ₹100 spent, with each point valued at ₹0.25. The card also supports UPI Scan and Pay transactions, wide acceptance, insurance coverage and more.

There is no joining fee, but the annual fee is ₹350 for the primary card and ₹250 for add-on cards.

Union Bank of India RuPay Platinum Credit Card Benefits

The Union Bank RuPay Platinum Credit Card includes several practical features, such as chip and PIN technology that adds an extra layer of security during transactions and helps reduce the risk of fraud.

Here are some other benefits available with this card:

Insurance Protection: The card includes ₹2 lakh accidental insurance cover and an additional ₹10 lakh cover that may be availed as per the card program terms.
Fuel Surcharge Waiver: A 1% fuel surcharge waiver up to ₹100 per billing cycle is available on eligible fuel transactions.
UPI Payment Support: The RuPay credit card can be linked to UPI apps for merchant Scan and Pay transactions.
Add-on Cards: Primary cardholders can request up to 3 add-on cards for eligible family members, such as spouse, parents or children.
Global Acceptance: The card is accepted at merchant outlets and online platforms worldwide. It enables convenient payments for domestic and international purchases.

Union Bank of India RuPay Platinum Credit Card Charge

Before reviewing some of the important applicable charges, note that balance enquiries are free at Union Bank ATMs, while other bank ATMs may charge ₹20 per request.

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

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Footnotes

Annual fee is waived for the first year and will not apply in the following year if your annual spending reaches ₹30,000 or more on the card.
You can redeem reward points through the Union Rewardz app or website for vouchers, merchandise, travel experiences or bill payments.

FAQs

Can I request an increase in my credit card limit?

You can request a credit limit increase by visiting the nearest Union Bank of India branch. The bank reviews your credit profile and financial details before approving the request.

When will I receive my credit card statement?

Credit card statements are generated on the 10th or 25th of each month based on your billing cycle. The payment due date is usually 20 days from the statement date.

What is the cash withdrawal limit on the Union Bank RuPay Platinum Card?

You can withdraw cash up to 30% of the approved credit limit on the RuPay Platinum card. The bank determines the final limit based on the cardholder’s profile.