Union UNI-CARBON Credit Card
Best for hPCL fuel spenders. 2 RP per Rs 100 on non-fuel (1 RP = Rs 0.25); 4% cashback on HPCL fuel (min Rs 500 txn)
Terms as of 2026-09-27 · Checked 30 September 2026Union UNI-CARBON Credit Card at a glance
Who it suits: HPCL fuel spenders
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2 RP per Rs 100 on non-fuel (1 RP = Rs 0.25); 4% cashback on HPCL fuel (min Rs 500 txn) |
| Caps & exclusions | HPCL fuel cashback capped Rs 150/billing cycle |
| Welcome benefit | Up to Rs 300 bill credit on first HPCL fuel purchase of Rs 300+ within 60 days |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹600 | -₹49 |
| ₹3,00,000 / year | ₹1,500 | ₹851 |
| ₹6,00,000 / year | ₹3,000 | ₹2,351 |
| ₹12,00,000 / year | ₹6,000 | ₹5,351 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% on Rs 200+ at HPCL, max Rs 100/cycle |
| Forex markup | 3.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹499 + GST |
| Annual / renewal fee | ₹550 + GST |
| Fee waiver | — |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Credit score | 750+ improves approval chances |
Similar cards
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| Scapia Federal Bank | Federal Bank | Free / Free | 2.00% base value | Travellers wanting zero forex and lifetime-free |
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| Flipkart Axis Bank | Axis Bank | ₹500 / ₹500 | 1.00% base value | Flipkart and Myntra shoppers |
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Frequently asked questions
What is the annual fee of the Union UNI-CARBON Credit Card?
Joining fee ₹499 and annual fee ₹550 (plus 18% GST).
What rewards does it offer?
2 RP per Rs 100 on non-fuel (1 RP = Rs 0.25); 4% cashback on HPCL fuel (min Rs 500 txn) Caps/exclusions: HPCL fuel cashback capped Rs 150/billing cycle
What is the forex markup?
3.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹3,540.
Is the Union UNI-CARBON Credit Card good for me?
Best for: HPCL fuel spenders. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.unionbankofindia.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Union Bank of India’s website before applying. FinancePortal is not affiliated with the issuer.