Welcome Benefit: Users will get a welcome bonus up to Rs 300, by way of credit to Bill. The customer has to purchase fuel worth Rs 300/- and above, at an authorized fuel outlet within a period of 60 days from the date of activation of the card.2. On every Rs 100 spent on non-fuel transactions the cardholder will earn 2 reward points.
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UNI Carbon Credit Card.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a welcome bonus up to Rs 300, by way of credit to Bill. The customer has to purchase fuel worth Rs 300/- and above, at an authorized fuel outlet within a period of 60 days from the date of activation of the card.2. On every Rs 100 spent on non-fuel transactions the cardholder will earn 2 reward points.
Milestone Benefits
Milestone Benefit: For every spend of 50,000 beyond Rs 2.00 Lakhs, the cardholder will receive an additional 1000 rewards.
Cashback Rate
The value of 1 reward point = 0.25.
For every Rs. 100 spent on non-fuel transactions, the cardholder will earn 2 reward points. Effective cashback rate: 0.50%.
1.50% cashback in the form of 6 payback points on transactions made on the HP Pay App.
16 rewards will be awarded on fuel spends with a minimum transaction of Rs. 500 and above at authorized HPCL outlets which would be equivalent to 4% cashback on every Rs. 100.00 spent up to a maximum of 150 per billing cycle per card.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Free accidental insurance coverage of upto Rs 10 Lakhs is also available for the users. Contactless card- single tap payment for quicker transaction processing.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a welcome bonus up to Rs 300, by way of credit to Bill. The customer has to purchase fuel worth Rs 300/- and above, at an authorized fuel outlet within a period of 60 days from the date of activation of the card.2. On every Rs 100 spent on non-fuel transactions the cardholder will earn 2 reward points.
Milestone Benefits
Milestone Benefit: For every spend of 50,000 beyond Rs 2.00 Lakhs, the cardholder will receive an additional 1000 rewards.
Cashback Rate
The value of 1 reward point = 0.25.
For every Rs. 100 spent on non-fuel transactions, the cardholder will earn 2 reward points. Effective cashback rate: 0.50%.
1.50% cashback in the form of 6 payback points on transactions made on the HP Pay App.
16 rewards will be awarded on fuel spends with a minimum transaction of Rs. 500 and above at authorized HPCL outlets which would be equivalent to 4% cashback on every Rs. 100.00 spent up to a maximum of 150 per billing cycle per card.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Free accidental insurance coverage of upto Rs 10 Lakhs is also available for the users. Contactless card- single tap payment for quicker transaction processing.
Lounge Access
None.
Fees & Charges
Joining Fee
INR 499
Annual Fee
INR 499
Cash Advance Fee
Cash advance fee: 2.5% per month from date of withdrawal
Interest rate
Interest Rates: 16% p.a., on reducing balances
Late Payment Fee
Late Payment Charges: Up to Rs. 25,000/- = Rs. 200/- Above Rs.25,000/- = Rs. 500/- Statement for > 3 months = Rs. 50/- per statement
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3%.
Other Fees
Reward Redemption Fees: NIL
Fees & Charges
Joining Fee
INR 499
Annual Fee
INR 499
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 16% p.a., on reducing balances
Late Payment Fee
Late Payment Charges: Up to Rs. 25,000/- = Rs. 200/- Above Rs.25,000/- = Rs. 500/- Statement for > 3 months = Rs. 50/- per statement
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3%.
Other Fees
Reward Redemption Fees: NIL
Special Features
Accidental insurance coverage Upto Rs. 10.00 lakh
Eligibility Criteria
Salaried- Minimum - 18 years; Maximum - 60 years
Self employed/Others- Minimum - 18 years; Maximum - 70 years
Minimum annual salary / income- Rs.2.50 lakhs per annum
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online:
Visit the Union Bank of India website and go to the credit card section.
Click on the "Apply Now" button for the UNI CARBON credit card.
Fill in the online application form with your personal and financial details.
Upload the required documents, such as your PAN card, Aadhaar card, and income proof.
Review your application and submit it. Documents required: PAN card Aadhaar card Income proof (salary slip, Form 16, IT returns, etc.) Passport-size photograph
Once your application is processed, Union Bank of India will get in touch with you to inform you about the status of your application.
If your application is approved, you will receive your UNI CARBON credit card within a few weeks.
Contact Details
Toll free numbers are : 1800 2222 44
1800 2222 43
1800 208 2244 1800
Account Opening and Procedure
The Union Bank Uni Carbon Credit Card is a good option for frequent HPCL fuel users who benefit from its high cashback and fuel surcharge waiver. The welcome bonus, milestone benefits, and non-fuel rewards add further value. However, the caps on monthly cashback and limited redemption options might not be ideal for those with low fuel spends or seeking diverse benefits.
The Union Bank Uni Carbon Credit Card is a good option for frequent HPCL fuel users who benefit from its high cashback and fuel surcharge waiver. The welcome bonus, milestone benefits, and non-fuel rewards add further value. However, the caps on monthly cashback and limited redemption options might not be ideal for those with low fuel spends or seeking diverse benefits.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai