Union UNICORN RuPay Credit Card
4 points per full ₹100 eligible spend, indicative ₹0.25 per point, ordinary 10,000-point monthly cap. ₹2,400+GST recurring fee.
Try your spend →How this estimate works
Union Bank’s UNICORN product and key-fact statement give 4 reward points per complete ₹100 of eligible card spend, limited to 10,000 ordinary points per credit-card customer ID each month. Its salary-account listing identifies ₹0.25 per point for this card. Union’s credit-card FAQ describes credit-card bill payment as a redemption option through Union Rewardz; this is a stated point value, not guaranteed instant cashback or a verified card-specific minimum. This model treats a single eligible domestic retail purchase at the entered amount as repeating once monthly, applies the ordinary 10,000-point monthly ceiling, and subtracts ₹2,400 annual fee plus estimated GST. The KFS also lists ₹2,400 joining fee, omitted from recurring-year ROI. Joining waiver at ₹1 lakh spend within 90 days and renewal waiver at ₹3 lakh in the prior year are conditional and not presumed; some salary-account bundles may differ. Jewellery, fuel, cash, Bitcoin, wallet loading, alcohol and insurance do not earn points, per the UNICORN issuer product. Ambiguous bill-payment and special merchant routes are excluded conservatively. First-30-day activation points, birthday and ₹20,000 monthly accelerators, annual milestone points, subscriptions and travel offers are omitted: one purchase input does not establish total card spending, birthday month or redemption of extras. Confirm point redemption inventory and minimum in Union Rewardz before relying on the displayed return.
Issuer sources
UNICORN product: earn rate, cap and exclusions · Key Fact Statement: fees and waivers · Bank salary-account listing: UNICORN point value · Union credit-card FAQ: redemption options
Terms checked 30 September 2026. Redemption is not guaranteed cash; year-one joining fee excluded.