Union Bank NEXTERIA Credit Card
- Updated On: 23 January, 2026
The NEXTERIA Credit Card is a premium offering from Union Bank and comes with a joining and annual fee of ₹12,499 + GST. However, since the card offers spend-based fee waivers, cardholders with high annual spends can easily avoid paying these charges. From unlimited airport lounge access to BOGO on movie tickets, this card has several lifestyle benefits.
This card is best suited for users who spend heavily each year, as they can maximise benefits such as travel privileges and luxury hotel access. That said, the card does not offer any welcome benefits, which makes the high fees slightly harder to justify. While expectations from a premium card are higher, those specifically looking for a RuPay EKAA credit card with lifestyle and travel benefits can still consider the NEXTERIA Credit Card. Read on to explore its features in detail.
Union Bank NEXTERIA Credit Card
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
5 Reward Points/₹125 Spent on Eligible Categories
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
BOGO on Movies Up to ₹500 Once Each Month
Rewards Rate
5 Reward Points/₹125 Spent on Eligible Categories
Reward Redemption
N/A
Travel
Complimentary HoteLux Membership
Domestic Lounge Access
Unlimited Domestic Airport Lounge Access
International Lounge Access
Unlimited Lounge Access
Golf
4 Golf Rounds/Lessons Each Year
Insurance Benefits
Personal Accidental Insurance: ₹50 Lakhs | Air Accidental Insurance: ₹1 Crore | Purchase Protection: ₹2 Lakhs | Travel Insurance (Baggage Loss): ₹20,000 | Cyber Security Insurance: ₹2 Lakhs
Fees & Charges
Spend-Based Waiver
Joining Fee Waiver on Spends of ₹3 Lakh Within the First 90 Days. Annual Fee Waiver on Spends of ₹8 Lakh in a Card Anniversary Year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3%
Interest Rates
16% Annually on Reducing Balances
Fuel Surcharge Waiver
1% Waiver Up to ₹100 Each Month
Cash Advance Charges
2.5%
Product Details
- The NEXTERIA Credit Card is a premium offering by Union Bank of India.
- This card comes at a joining and annual charge of ₹12,499 + GST.
- Cardholders will receive unlimited access to airport lounges with this card.
Pros/Cons
Pros
- From movies to airport lounge access, this card offers several lifestyle benefits.
Cons
- The joining and annual charges of this card are on the higher side when compared to the benefits it offers.
Reward Earnings
- Earn 5 Reward Points/₹125 on all eligible spends.
- A maximum cap of 10,000 Reward Points is applicable to each credit card account (excluding milestones).
- Earn 10X Reward Points on online shopping and electronics spending, subject to a maximum cap of 10,000 Reward Points.
- No Reward Points will be earned on spends made on Jewellery, Fuel, Cash Withdrawals, Bitcoin, Wallet Loading, Alcohol & Wine Shops, and Insurance Payments.
Milestone Benefits
| Monthly Milestone | 5X Reward Points On Spends Of ₹2,00,000 And Above, Subject To A Maximum Cap Of 10,000 Reward Points. |
| Annual Spends of ₹10 Lakh | Additional 10,000 Reward Points |
| Annual Spends of ₹12 Lakh | Additional 15,000 Reward Points |
Visa Services by OneVasco
The card offers one complimentary lounge visit for two visitors each year during the visa application process (excluding business visas). Cardholders also get a 15% discount on fast-track immigration services and a 15% discount on visa concierge services, making international travel more convenient.
Comprehensive Insurance Cover
- Personal Accidental Insurance: ₹50 Lakhs
- Air Accidental Insurance: ₹1 Crore
- Purchase Protection: ₹2 Lakhs
- Travel Insurance (Baggage Loss): ₹20,000
- Cyber Security Insurance: ₹2 Lakhs (From Bajaj Allianz, Subject To Annual Review)
Proposed RuPay Exclusive Benefits
- Movie Pre-Screenings – Enjoy one PVR exclusive movie pre-screening every year across 8 cities, available on a first-come, first-served basis.
- Concerts & Live Events – Get early access to concerts and events, along with premium zone access such as VIP pits or comfort zones, plus food, merchandise, and cocktail coupons (limited seats).
- Merchant Offers – Access special RuPay-exclusive merchant deals and offers listed on the RuPay website.
- Dining Privileges – Enjoy exclusive dining offers through District by Zomato or similar partner platforms.
- RuPay Lounge Access – Entry to the RuPay Exclusive Lounge at Delhi Airport, available exclusively for RuPay cardholders.
Bottom Line
The Union Bank NEXTERIA Credit Card is a premium, travel-focused card that offers strong lifestyle benefits such as unlimited domestic and international airport lounge access, complimentary HoteLux membership, golf privileges, and comprehensive insurance coverage. These features make it suitable for frequent travellers and cardholders who value comfort and convenience over basic reward earning.
However, the card comes with a relatively high joining and annual fee of ₹12,499 + GST, which may not feel fully justified for users who do not regularly use lounge access, hotel privileges, or golf benefits.
FAQs:
What are the joining and annual charges for the Union Bank NEXTERIA Credit Card?
The Union Bank NEXTERIA Credit Card comes at an annual and joining charge of ₹12,499 + GST.
Does the Union Bank NEXTERIA Credit Card offer airport lounge access?
Yes, the card offers unlimited domestic and international airport lounge access for the primary cardholder.
Can the joining and annual fees be waived?
Yes, the joining fee is waived if you spend ₹3 lakh within the first 90 days, and the annual fee is waived on spending ₹8 lakh in a card anniversary year.
Are Reward Points earned on all types of spends?
No, Reward Points are not earned on spends such as fuel, jewellery, cash withdrawals, wallet loading, alcohol purchases, bitcoin transactions, and insurance payments.