Curated Comparison Matrix

Top 10 Union Bank of India Credit Cards (2026) Compared

Verified specs, published fees, and actual standout earn rates.

Verified 2026-09 • MITC Data

Rank	Credit Card	Annual Fee	Key Standout / Rewards	Lounge Visits	Review
#1	Union NEXTERIA Credit CardUnion Bank of India	₹12,499Waived at ₹8.0L	₹12,499/yr fee	Unlimited	Full Review
#2	Union UNICORN RuPay Credit CardUnion Bank of India	₹2,400Waived at ₹3.0L	₹2,400/yr fee	10/yr	Full Review
#3	Union RuPay Select Credit CardUnion Bank of India	₹550Waived at ₹0.5L	₹550/yr fee	10/yr	Full Review
#4	Union VISA Signature Credit CardUnion Bank of India	₹1,999Waived at ₹2.7L	₹1,999/yr fee	None	Full Review
#5	Union Sparsh Credit CardUnion Bank of India	₹550Waived at ₹0.5L	₹550/yr fee	10/yr	Full Review
#6	Union DIVAA ICON Credit CardUnion Bank of India	₹1,499Waived at ₹1.0L	₹1,499/yr fee	10/yr	Full Review
#7	Union UNI-CARBON Credit CardUnion Bank of India	₹550Waived at ₹1.0L	₹550/yr fee	None	Full Review
#8	Union RuPay Platinum Credit CardUnion Bank of India	₹350Waived at ₹0.3L	₹350/yr fee	None	Full Review
#9	Union VISA Platinum Credit CardUnion Bank of India	₹450Waived at ₹0.5L	₹450/yr fee	None	Full Review
#10	Union JCB Wellness Credit CardUnion Bank of India	₹999Waived at ₹1.0L	₹999/yr fee	10/yr	Full Review

Why These Top 10 Cards Won Our 2026 Evaluation

Data-driven reasons behind each card's placement, highlighting real net value after fees.

Union NEXTERIA Credit CardUnion Bank of India

Annual fee waived on ₹8.0L annual spend. 4 points per ₹100 base reward rate.

₹12,499/yr feeSee exclusions & fees

Union UNICORN RuPay Credit CardUnion Bank of India

Annual fee waived on ₹3.0L annual spend. 4 points per ₹100 base reward rate.

₹2,400/yr feeSee exclusions & fees

Union RuPay Select Credit CardUnion Bank of India

Annual fee waived on ₹0.5L annual spend. 4 points per ₹100 base reward rate.

₹550/yr feeSee exclusions & fees

Union VISA Signature Credit CardUnion Bank of India

Annual fee waived on ₹2.7L annual spend. 4 points per ₹100 base reward rate.

₹1,999/yr feeSee exclusions & fees

Union Sparsh Credit CardUnion Bank of India

Annual fee waived on ₹0.5L annual spend. 4 points per ₹100 base reward rate.

₹550/yr feeSee exclusions & fees

Union DIVAA ICON Credit CardUnion Bank of India

Annual fee waived on ₹1.0L annual spend. 2 points per ₹100 base reward rate.

₹1,499/yr feeSee exclusions & fees

Union UNI-CARBON Credit CardUnion Bank of India

Annual fee waived on ₹1.0L annual spend. Offers 8X reward acceleration on fuel.

₹550/yr feeSee exclusions & fees

Union RuPay Platinum Credit CardUnion Bank of India

Annual fee waived on ₹0.3L annual spend. 2 points per ₹100 base reward rate.

₹350/yr feeSee exclusions & fees

Union VISA Platinum Credit CardUnion Bank of India

Annual fee waived on ₹0.5L annual spend. 2 points per ₹100 base reward rate.

₹450/yr feeSee exclusions & fees

Union JCB Wellness Credit CardUnion Bank of India

Annual fee waived on ₹1.0L annual spend. Offers 2X reward acceleration on dining & food delivery.

₹999/yr feeSee exclusions & fees

Editorial Integrity

How We Rank: Union Bank of India Credit Cards Methodology

Zero Sponsored Placements

We do not accept commercial payments to rank one card above another. Every card is evaluated purely by audited math, official fees, and reward caps.

Honest Fee & Cap Deductions

Banks frequently market headline rates that are capped monthly. We apply these caps and deduct renewal fees to surface true net returns.

Verified MITC Policy Audits

Exclusion lists (fuel, rent, utility, insurance) and spend-gated requirements are audited directly from official Key Fact Statements (KFS).

Frequently Asked Questions: Union Bank of India Credit Cards

Common questions answered objectively using official Reserve Bank of India (RBI) and issuer rules.

Which is the best union bank of india credit cards in India for 2026?

Based on verified data and net reward value, Union NEXTERIA Credit Card ranks #1 in our 2026 assessment, closely followed by Union UNICORN RuPay Credit Card. Rankings account for base rewards, category accelerators, annual fees, and hidden exclusion policies.

How are credit cards ranked on this page?

Our rankings are 100% algorithmic and objective. We calculate the honest net annual return based on verified issuer fee schedules, published category caps, and exclusion lists, without commercial bias or sponsored placements.

Can the annual fee be waived on these cards?

Most fee-charging cards include an annual spend waiver milestone (typically ₹1 Lakh to ₹4 Lakhs). Achieving this cumulative annual spend automatically waives the renewal fee for the subsequent membership year.

Are credit card rewards and cashback taxable in India?

Direct cashback credited against credit card statement bills is treated as a post-purchase discount or rebate, which is not taxable under the Indian Income Tax Act. Reward points converted to air miles or statement credits are similarly treated as consumer purchase discounts rather than taxable income.

Explore All 13 Union Bank of India Credit Cards

Filter and compare every eligible card by annual fee, bank, and reward features.

Verified 2026 Guide13 Cards Ranked

Best Union Bank of India Credit Cards in India 2026

Every Union Bank of India credit card compared on fees, real reward rates and lounge access. We compared 13 credit cards (including 1 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.

#1 Overall Top PickAnnual Fee: ₹12,499/yr

Annual Fee

₹450

Headline Rate

2 pts/₹100

VISA

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free

Points

RuPay❯❯

Base Earn Calculation: Represents ₹ value earned per ₹100 of everyday spend at standard earn rates before milestone or category multipliers. Real Net Annual Value depends on your exact monthly spend breakdown — use any card's detail page for full calculator.