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Product Details
Credit Card Name : 


Bank Name :

Union Bank of India

Type :

Fuel Credit Card

Interest Rate : 

16% p.a.

Eligibility :

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


Customers can avail of various benefits under this card like: 

1. Welcome benefit is available for the new users. 

2. On every Rs.100 spend on non-fuel transaction the cardholder will earn 2 reward points. 

3. Cashback Benefits- 16 rewards on fuel spends for transaction value of Rs.500 and above at authorized HPCL outlets which would be equivalent to Rs.4.00 cashback on every Rs. 100.00 spend (i.e.,4% Cashback) Additional 1.50% cash back in the form of 6 payback points on transactions made on HP Pay App of HPCL through “UNION UNI CARBON’ Credit Card. 

4. Fuel Surcharge waiver benefit available. 

5. On reaching spends of Rs.1,25,000 in a year cardholder will get additional points in the form of milestone rewards. 

6. Accidental insurance coverage of upto 10 lakhs also available for the users. 

7. Contactless card- single tap payment for quicker transaction processing.

  • High joining and annual fees. 

  • Low rewards on non-fuel spending Low monthly cap on fuel rewards. 

  • No complimentary airport lounge access

Pros & Cons
Welcome Benefits
Welcome Benefit: Welcome bonus up to Rs.300, by way of credit to Bill. The customer has to purchase fuel worth of Rs.300/- and above, at HPCL authorized fuel outlet within a period of 60 days from the date of activation of the card.
Rewards System
  • 1 Reward point = 0.25 

  • On every Rs.100 spend on non-fuel transaction the cardholder will earn 2 reward points. i.e., for every Rs. 100 spend on non-fuel transaction, cardholder will earn Rs. 0.50. * Not available on cash withdrawals. 

  • Cardholder will get 1.50% cash back (6 pay back points) in their HP Pay wallet, i.e., 1.50% cashback. 

  • Cardholder can get 4% cash back(16 Reward points) and 1% fuel surcharge waiver to his card account and 1.50% cashback (6 pay back points) in their HPPay wallet, i.e.,a total 6.50% cashback. Effective Cashback Rate= 4%

International Forex Markup
International Forex Markup: Upto 3%
Welcome Benefits and Reward System
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


Fuel Benefits:

  • Up to 5.5% cashback: Earn 4% cashback (16 Reward Points) on HPCL fuel transactions through HP Pay App and 1.50% cashback (6 Pay back Points) in your HPPay wallet. Combining both, you get an effective 5.5% cashback.

  • 1% fuel surcharge waiver: Get 1% waiver on fuel transactions of Rs. 200 and above at HPCL outlets (over and above the 4% cashback).

  • Milestone benefits: Earn additional 1,000 Reward Points for every Rs. 50,000 spent beyond Rs. 2 lakh in a billing year.

Non-Fuel Benefits:

  • Welcome Bonus: Get up to Rs. 300 as a welcome bonus on joining and spending according to the card variant.

  • Reward Points: Earn 1 Reward Point for every Rs. 100 spent on non-fuel transactions. You can redeem these points for vouchers, merchandise, or even bill payments.

  • Airport Lounge Access: Enjoy complimentary access to select domestic airport lounges with the Priority Pass membership (up to 2 visits per year).

  • Dining Privileges: Get up to 20% off on bills at Swiggy Dineout partner restaurants.

  • Free Add-on Cards: Get up to 3 add-on cards for family members at no additional cost.

Additional Features:

  • Low Annual Fee: The annual fee for the UNI CARBON Credit Card is Rs. 499, which can be waived off if you spend Rs. 1 lakh or more in a year.

  • Zero Liability Cover: Enjoy zero liability cover on unauthorized transactions.

  • Contactless Payments: Make secure and convenient contactless payments.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?


  • 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.

Abhijeet Saxena

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

Product Review
Fees & Charges
  • Joining Fee (one time)- 499, 

  • Annual Fee-499 

  • Cash advance fee: 2.5% per month from date of withdrawal 

  • Interest Rates: 16% p.a., on reducing balances 

  • 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 Fees: 3%. 

  • Reward Redemption Fees: NIL

Fuel Surcharge
Fuel Surcharge: 1% fuel surcharge is applicable on the cardholders. However, fuel surcharge waiver on the transaction value of Rs.200 and above at HPCL-authorized outlets with a cap of Rs.100 per billing cycle per card. This waiver is over and above the 4% cashback offered by the Bank.
Billing Cycle

30 Days

Fees & Charges
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