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Federal BankUnion Uni Carbon credit card is a fuel card is offered in co-partnership with HPCL. The card rewards you on your fuel spendings by providing you with 4% cashback on every Rs 100 spent. You get 6 payback points on every Rs 100 on fuel transactions Union Uni Carbon credit card at HPCL fuel stations via the HP Pay app or POS. You can unlock bonus reward points on annual spending of Rs 1,25,000 in form of milestone benefits. Also, you get a spend-based waiver on annual spending of Rs 1,00,000 or above in the previous year. Furthermore, you also get a 1% fuel surcharge waiver on fuel transactions of Rs 200 or more. Read below to know more in detail about this credit card.
Union Uni Carbon Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Fuel |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
NA
Rewards Rate
16 reward points on fuel spending of Rs 500 which is equivalent to 4% cashback and 6 payback points on fuel transactions made at HPCL fuel stations. Besides that, you earn 2 reward points on every Rs 100 spent non-fuel transactions using this credit card.
Reward Redemption
1 Reward point = Rs 0.25 redeemed against cashback at HP Pay app using your credit card.
Travel
NA
Golf
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Insurance Benefits
Air accidental cover upto Rs 10 lakhs using this credit card.
Zero Liability Protection
You get a protection liability against fraudulent transactions reported within a stipulated time
Spend Based Waiver
A spend-based waiver on an annual fee of Rs 499 on the spending of Rs 1,00,000 or above in the previous year.
Rewards Redemption Fee
Nil
Rewards Redemption Fee
Nil
Foreign Currency Markup
3%
Interest Rates
2.95% p.m. (41.75% p.a.)
Fuel Surcharge
1% surcharge waiver on fuel transactions of Rs 200 or above at all HPCL fuel stations
Cash Advance Charges
3% or Rs. 200 (whichever is higher)
Add-on Card Fee
Nil
- 500 Reward Points on annual spending of Rs 1,25,000
- 16 reward points on fuel spending of Rs 500 which is equivalent to 4% cashback
- 2 reward points on every Rs 100 spent non-fuel transactions
- Get Rs 300 credited on your bill amount at any HPCL fuel station as a welcome bonus
- Annual fee waiver on the spending of Rs 1,00,000 or above in the previous year
- Air accidental cover upto Rs 10 lakhs
- 1% surcharge waiver on fuel transactions of Rs 200 or above at all HPCL fuel stations
UNION UNI Carbon Credit Card Cashback & Rewards
- You earn 16 reward points on fuel spending of Rs 500 which is equivalent to 4% cashback. You get a cashback of 4% on every Rs 100 spent on fuel spendings subject to a maximum of Rs 150 per billing cycle
- You also get 6 payback points on fuel transactions made using your Union Uni Carbon credit card at HPCL fuel stations either through the HP Pay app or POS.
- You earn 2 reward points on every Rs 100 spent non-fuel transactions using this credit card.
- 1 reward point = Rs 0.25 on non-fuel transactions using this credit card. Therefore, you get a reward rate of Rs 0.50 on this credit card.
Welcome Benefit
On using your Union Uni Carbon credit card at any HPCL fuel station, you get Rs 300 credited on your bill amount. Offer applicable on fuel spending of Rs 300 or above at authorized HPCL fuel stations within 60 days from the date card issuance.
Milestone Benefits
On annual spending of Rs 1,25,000, you get provided with 500 reward points. Moreover, also you get rewarded with every consecutive spending of Rs 25,000 over the milestone spending of Rs 1,25,000.
| Annual Spending | Additional Rewards Points Accrued |
| Rs 1,25,000 | 500 |
| Rs 1,50,000 | 600 |
| Rs 1,75,000 | 700 |
| Rs 2,00,000 | 800 |
You get 1000 reward points on every Rs 50,000 spent beyond Rs 2,00,000 in the previous year.
Other Benefits
- You get a 1% surcharge waiver on fuel transactions of Rs 200 or above at all HPCL fuel stations capped a maximum limit of Rs 100 per billing cycle.
- You get an air accidental cover upto Rs 10 lakhs using this credit card.
- You get a spend-based waiver on an annual fee on the spending of Rs 1,00,000 or above in the previous year.
Eligibility Criteria
| Criteria | Self Employed | Salaried |
| Age | 18-70 | 18-60 |
| Income | 2.5 Lac/p.a | 2.5 Lac/p.a |
Conclusion
Union Uni Carbon credit card provides best-suited for individuals, who have high fuel spendings on a day to day basis. The card provides you with a great reward rate of 4% cashback on every Rs 100 spent on fuel transactions. Not only this, but the reward rate on non-fuel spendings also seems to be decent. You get 2 reward points for every Rs 100 spent( 1 RP= Rs 0.25) and thus providing you with a reward rate of Rs 0.50. However, the redemption options provided on this credit card are very limited. One of the key features of this credit card is the milestone benefits provided on this credit card. What do you think about this credit card? Do let us know in the comments.
