Union Bank of India · Scored card guide

Union Bank of India VISA Platinum

2 points/₹100 eligible spend at ₹0.25/point; year-two annual-fee model. Confirm eligibility and redemption before using the estimate.

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Where it pays

Issuer product page: 2 reward points per ₹100 spent, worth ₹0.25 per point, with redemption options including bill payment; this models the stated point value on eligible ordinary retail spend, not instant cash. The issuer confirms no points on cash withdrawals. Fuel reward points and specific merchant/category exclusions are not established for all routes; fuel and generic utilities are left unscored. Issuer KFS lists nil joining fee and ₹450 annual fee collected in advance at the start of year two, exclusive of GST. Annual fee can be waived based on previous 12-month credit usage of ₹100,000; waiver is not assumed. The score is a year-two normalized estimate (annual fee included), NOT first-year net; introductory fee is nil. Lounge/insurance, fuel surcharge waiver and partner promotions are omitted. Actual redemption minimum, availability and rounding depend on the chosen reward. Fee/waiver source: https://ubicards.unionbankofindia.bank.in/access/keyFactStmt!go.action .

Modeled annual cost: Nil joining fee. Year-two annual fee ₹450 plus estimated 18% GST; prior-year usage waiver not assumed. The calculator deducts recurring year-two fee, so first-year net will be higher.

Issuer source

https://www.unionbankofindia.bank.in/en/details/visa-platinum-credit-card

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

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