Union UNI-CARBON

2 points/₹100 eligible ordinary spend at ₹0.25/point; year-two fee model. Confirm merchant category and eligibility.

Where it pays

UNI-CARBON issuer page gives 2 points/₹100 on non-fuel spend. Its 4% fuel cashback requires authorized HPCL outlets and minimum ₹500 transaction and has ₹150/billing-cycle cap; generic Fuel chip does not establish station or transaction size, so no fuel cashback estimated. HP Pay extra points and surcharge waiver omitted. Issuer says each point is worth ₹0.25; credit-card rewards may be redeemed against a bill or for other offered rewards, not automatic cash. Cash withdrawals do not earn points. Fuel and ambiguous utilities and brand/payment-specific routes are left unscored. Issuer KFS: ₹499 joining and ₹550 annual fee from year two, exclusive of GST. Model deducts year-two annual fee plus estimated GST, not joining fee; first-year net differs. Conditional renewal waiver is not assumed. Redemption minimum, eligibility, actual value and transaction-level rounding may vary. https://ubicards.unionbankofindia.bank.in/access/keyFactStmt!go.action .

Issuer source

https://www.unionbankofindia.bank.in/en/details/union-uni-carbon-credit-card

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Check current issuer terms before applying.