Union Bank of India · Scored model guide

Union Bank of India Union Sparsh RuPay Credit Card

4 points per ₹100 eligible spend at ₹0.25 each; ₹550 + GST from year two, with an annual-spend waiver.

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How this estimate works

Union Sparsh is a RuPay credit card designed for visually impaired applicants, not a general-purpose public offer. The issuer’s card-specific charges table lists nil joining fee, ₹550 plus GST annual fee waived in year one, and a renewal-fee waiver if previous-year spending reaches ₹50,000. It lists 4 points per ₹100 spent, with one point worth ₹0.25. This model treats the monthly input as one eligible retail purchase, floors it to complete ₹100 blocks and gives the stated ₹0.25 per point as an estimated redemption value, not guaranteed immediate cash. It is a conservative year-two run-rate estimate with ₹550 plus estimated 18% GST deducted at ranking time; it does not assume the spend waiver, because other card spending may change it. Fuel points and generic utilities are left at zero where exact merchant/route eligibility cannot be confirmed. Lounge visits, insurance, fuel surcharge waiver, conversion fees, financing and late charges are not valued. The issuer says other charges and fuel waiver mirror the RuPay Select variant; we do not copy any separate promotional rewards. Verify the accessible-card eligibility, actual merchant-code exclusions, redemption mechanics and renewal waiver against your own offer.

The displayed annual ROI uses year-two ₹550 + GST as an ongoing cost. First-year joining and renewal fee are nil; the future fee can be waived based on qualifying prior-year spending.

Issuer sources

Union Sparsh features, charges and eligibility · Issuer credit-card MITC

Checked 29 September 2026. Confirm individual eligibility and your offer with Union Bank.

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