What is the annual fee for the Union Bank of India RuPay Unicorn?

The annual fee for the Union Bank of India RuPay Unicorn is ₹2,400. It can be waived on annual spends of ₹3,00,000.

Does the Union Bank of India RuPay Unicorn offer airport lounge access?

Yes — the Union Bank of India RuPay Unicorn offers 8 domestic per year lounge visits, 2 international per year lounge visits.

What rewards does the Union Bank of India RuPay Unicorn earn?

It earns 4 reward points per ₹150 on eligible spends.

Card Manager

Explore

Catalog

Support

Blog What's New Contact Us Download Android APK

Build your portfolio

Theme

Catalog

Card Manager

Explore

Catalog

Support

Blog What's New Contact Us Download Android APK

Build your portfolio

Theme

Catalog

RuPay Unicorn — Union Bank of India Credit Card | Card Manager

Back to Catalog

Catalog reference — not in your portfolio

All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.

Union Bank of India

Premium

•••• •••• •••• 0000

RuPay Unicorn

RuPay

RuPay Unicorn

Union Bank of India • RuPay• Premium

rupayloungetravelshoppingmilestone

Annual Fee

₹2,400

Base Reward Rate

1.00%

Foreign Tx Fee

Tier

Premium

Joining Fee

₹2,400

Verified

2026-06-07T08:39:39.828Z

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticRuPay Lounge Program

8 per yearhigh

✓ No activation spend required — access is unconditional.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹200

Dining₹5,000/mo

+₹50

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹50

Online Shopping₹8,000/mo

+₹80

Utilities₹3,000/mo

+₹30

Annual earnings

₹5,880

Blended 0.94% effective return

Monthly spend₹52,000

Monthly earnings+₹490

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

RuPay SELECT variant, UPI-linkable. Welcome: 4,000 RP on Rs10,000 spend in first 30 days. 5X reward points on eligible spends during birthday month. Swiggy One 3-month membership. Rs250 off movie ticket bookings each month. Personal accident cover up to Rs10 lakh. Joining fee waived on Rs1 lakh spend. Min annual income Rs5 lakh.

Benefits & Perks

Rewards

4 pts per ₹150 base (1 pt = ₹0.25). 4 Reward Points per Rs100 on eligible MCC categories; capped at 10,000 RP/month per customer ID. No points on jewellery, fuel, cash, crypto, wallet loads, alcohol, insurance.
1.00%high
Fuel: 1% — 1% fuel surcharge waiver up to Rs100
1.0%high

Priority Pass

2 per yearhigh

✓ No activation spend required — access is unconditional.

Forex

3% forex markup on international card transactions
3%

Travel

domestic via RuPay Lounge Program: 8 per year — no spend needed
8/yearhigh
international via Priority Pass: 2 per year — no spend needed
2/yearhigh

Payments

Joining fee: ₹2,400. Annual: ₹2,400.
₹2,400
Annual fee waived on spending ₹3,00,000 per year.
Spend ₹3,00,000
Milestone: spend ₹1,00,000/year → 2,000 Reward Points
high
Milestone: spend ₹2,00,000/year → 2,000 Reward Points
high
Milestone: spend ₹3,00,000/year → 2,000 Reward Points
high
Milestone: spend ₹4,00,000/year → 2,000 Reward Points
high
Milestone: spend ₹5,00,000/year → 2,000 Reward Points
high
Milestone: spend ₹20,000/month → 5X reward points on monthly spends of Rs.20,000 and above
high