UNI CARBON
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.
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
Dining Benefits
Other Benefits
Fuel Surcharge waiver benefit is available.; 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
Fees & Charges
Joining Fee
499,
Annual Fee
499
Cash Advance Fee
Cash advance fee: 2.5% per month from date of withdrawal
Interest rate
16% p.a.
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
दोष
High joining and annual fees.
Low rewards on non-fuel spending.
Low monthly cap on fuel rewards.
No complimentary airport lounge access.
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.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Toll free numbers are : 1800 2222 44
1800 2222 43
1800 208 2244 1800
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
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.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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