Union RuPay Unicorn Credit Card
- Updated On: 19 November, 2025
Union Bank has introduced one of its most rewarding and premium credit cards yet. The Unicorn Credit Card is an affordable option with benefits across dining, entertainment, travel, and shopping. It comes with a joining and annual fee of ₹2,400, which can be waived by spending ₹1 lakh for the joining fee and ₹3 lakh for the annual fee.
The card offers several useful privileges, including discounts on movie tickets, airport lounge access, milestone benefits, and more. The Union Unicorn Credit Card is issued on the RuPay SELECT network, giving cardholders access to additional RuPay-specific benefits.
Union RuPay Unicorn Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
4 Reward Points/₹100 Spent on Eligible Categories
Welcome Benefits
4,000 Reward Points on Spends of ₹10,000 in the First 30 Days of Card Issuance
Rewards and Benefits
Movie & Dining
3 Month Swiggy One Membership. ₹250 Off on Movie Ticket Bookings Each Month
Rewards Rate
4 Reward Points/₹100 Spent on Eligible Categories
Reward Redemption
N/A
Travel
N/A
Domestic Lounge Access
8 Free Visits Each Year
International Lounge Access
2 Visits Each Year Via Priority Pass
Golf
N/A
Insurance Benefits
Personal Accident Cover Up to ₹10 Lakh
Fees & Charges
Spend-Based Waiver
Annual Fee is Waived on Spends of ₹3 Lakh in a Year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3%
Interest Rates
3% Per Month/36% Per Year
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver Up to ₹100
Cash Advance Charges
3% (Minimum ₹500)
Product Details
- The Union Unicorn Credit Card is available on the RuPay SELECT variant.
- This card can be linked to UPI platforms for easy payments.
- Get 8 domestic and 2 international airport lounge visits each year.
Pros/Cons
Pros
- For a card with such an affordable fee, it offers a surprisingly good number of airport lounge visits.
Cons
- The Reward Rate of the Union Unicorn Credit Card could have been a bit better.
Welcome Benefits
Spend a minimum of ₹10,000 within 30 days of card activation and earn 4,000 bonus Reward Points.
Reward Rate
- 4 Reward Points per ₹100 spent, applicable only on eligible MCC categories.
- Earn 5X Reward Points on all eligible spends during your birthday month.
- Reward earning is capped at 10,000 Reward Points per month per customer ID.
- No reward points on spends related to jewellery, fuel, cash withdrawals, cryptocurrency/bitcoin transactions, wallet loads, alcohol & wine shops, and insurance payments.
Free Airport Lounge Access
Cardholders can avail themselves of eight domestic and two international airport lounge visits with this card. Airport lounge access abroad can be accessed via Priority Pass.
Milestone Benefits
This card has several annual milestone benefits associated with it.
| Milestone Spends | Rewards |
| Spends of ₹1 Lakh | 2,000 Reward Points |
| Spends of ₹2 Lakh | 2,000 Reward Points |
| Spends of ₹3 Lakh | 2,000 Reward Points |
| Spends of ₹4 Lakh | 2,000 Reward Points |
| Spends of ₹5 Lakh | 2,000 Reward Points |
Bottom Line
The Union RuPay Unicorn Select Credit Card is an affordable and rewarding option that can be easily obtained by anyone with a minimum annual income of ₹5 lakh. Along with a decent reward rate, the card offers several lifestyle benefits such as free airport lounge access, movie discounts, complimentary OTT subscriptions, and useful milestone benefits.
FAQs:
What is the joining and annual charge of the Union Unicorn Credit Card?
The Union Unicorn Credit Card is available at a joining and annual charge of ₹2,400 + GST. Both these charges can be waived by meeting the spend-based criteria.
Does this card offer any insurance benefits?
The Unicorn Credit Card provides personal accident coverage of up to ₹10 lakh.