{"id":85648,"date":"2026-03-16T18:46:28","date_gmt":"2026-03-16T13:16:28","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85648"},"modified":"2026-03-16T18:46:32","modified_gmt":"2026-03-16T13:16:32","slug":"union-bank-of-india-rupay-platinum-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/union-bank-of-india-rupay-platinum-credit-card\/","title":{"rendered":"Union Bank of India RuPay Platinum Credit Card Review"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 2 reward points for every \u20b9100 spent on purchases.<\/li>\n\n\n\n<li>Annual fee is \u20b9350 for the primary card and \u20b9250 for add-on cards.<\/li>\n\n\n\n<li>Accidental insurance cover includes \u20b92 lakh protection.<\/li>\n\n\n\n<li>Cash withdrawal is allowed up to 30% of the credit limit.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Union Bank of India RuPay Platinum Credit Card offers a balance of convenience and everyday rewards.<\/p>\n\n\n\n<p>Cardholders earn 2 reward points for every \u20b9100 spent, with each point valued at \u20b90.25. The card also supports UPI Scan and Pay transactions, wide acceptance, insurance coverage and more.<\/p>\n\n\n\n<p>There is no joining fee, but the annual fee is \u20b9350 for the primary card and \u20b9250 for add-on cards.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#union-bank-of-india-ru-pay-platinum-credit-card-benefits\">Union Bank of India RuPay Platinum Credit Card Benefits<\/a><\/li><li><a href=\"#union-bank-of-india-ru-pay-platinum-credit-card-charge\">Union Bank of India RuPay Platinum Credit Card Charge<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"union-bank-of-india-ru-pay-platinum-credit-card-benefits\"><strong>Union Bank of India RuPay Platinum Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Benefits-1024x683.png\" alt=\"Union Bank of India RuPay Platinum Credit Card Benefits\" class=\"wp-image-85650\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Here are some other benefits available with this card:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Insurance Protection:<\/strong> The card includes \u20b92 lakh accidental insurance cover and an additional \u20b910 lakh cover that may be availed as per the card program terms.<\/li>\n\n\n\n<li><strong>Fuel Surcharge Waiver:<\/strong> A 1% fuel surcharge waiver up to \u20b9100 per billing cycle is available on eligible fuel transactions.<\/li>\n\n\n\n<li><strong>UPI Payment Support:<\/strong> The RuPay credit card can be linked to UPI apps for merchant Scan and Pay transactions.<\/li>\n\n\n\n<li><strong>Add-on Cards:<\/strong> Primary cardholders can request up to 3 add-on cards for eligible family members, such as spouse, parents or children.<\/li>\n\n\n\n<li><strong>Global Acceptance:<\/strong> The card is accepted at merchant outlets and online platforms worldwide. It enables convenient payments for domestic and international purchases.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"union-bank-of-india-ru-pay-platinum-credit-card-charge\"><strong>Union Bank of India RuPay Platinum Credit Card Charge<\/strong><\/h2>\n\n\n\n<p>Before reviewing some of the <a href=\"https:\/\/www.unionbankofindia.bank.in\/en\/details\/rupay-platinum-credit-card\" target=\"_blank\" rel=\"noopener\">important applicable charges<\/a>, note that balance enquiries are free at Union Bank ATMs, while other bank ATMs may charge \u20b920 per request.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9149<\/td><\/tr><tr><td>Cheque Return Charges<\/td><td>\u20b9250<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% (min. \u20b9250)<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>Union Bank ATM: 3% or minimum \u20b9200Other ATMs: 3% or minimum \u20b9250<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Dues up to \u20b925,000: \u20b9200Dues above \u20b925,000: \u20b9500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Install <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> on your smartphone to never pay late payment charges ever again. Get payment reminders, pay your credit card bills and track status, all from one secure and GST-compliant platform.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Annual fee is waived for the first year and will not apply in the following year if your annual spending reaches \u20b930,000 or more on the card.<\/li>\n\n\n\n<li>You can redeem reward points through the Union Rewardz app or website for vouchers, merchandise, travel experiences or bill payments.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773666381078\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can I request an increase in my credit card limit?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773666398474\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>When will I receive my credit card statement?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773666418345\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the cash withdrawal limit on the Union Bank RuPay Platinum Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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\u2019s profile.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Union Bank of India RuPay Platinum Credit Card offers a balance of convenience and everyday rewards. Cardholders earn 2 reward points for every \u20b9100 spent, with each point valued at \u20b90.25. The card also supports UPI Scan and Pay transactions, wide acceptance, insurance coverage and more. There is no joining fee, but [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85649,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85648","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85648"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85648\/revisions"}],"predecessor-version":[{"id":85651,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85648\/revisions\/85651"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85649"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}