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UNI CARBON

MyRupaya Ratings
average rating is 3 out of 5

MyRupaya Ratings

Product Details
Credit Card Name : 

UNI CARBON

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

UNI CARBON
Pros
  • 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. 

  • Reward System: 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.

  • Milestone Benefit: For every spend of 50,000 beyond 2.00 lakh, the cardholder will receive an additional 1000 rewards.

  • Fuel Surcharge waiver benefit is available.

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

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

Cons
  • 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: 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.

Rewards System

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.


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

Benefits
  • Welcome benefits.

  • Milestone benefits.

  • Fuel benefits.

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

Recommended Credit Cards

Pros:-

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Cons:-

  • 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. 

  • Reward System: 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.

  • Milestone Benefit: For every spend of 50,000 beyond 2.00 lakh, the cardholder will receive an additional 1000 rewards.

  • Fuel Surcharge waiver benefit is available.

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

  • 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.

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.

UNI CARBON

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

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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