By Shubham Sharma
Updated On September 24, 2021

Union 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.

Best Suited For

Fuel |

Joining Fee

Rs 499 + GST

Reward Type

Reward Points | Cashback |

Product Details

  • 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

Rewards and Benefits

Welcome Benefits

You get Rs 300 credited on your bill amount on using your Union Uni Carbon credit card at any HPCL fuel station

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

Fees & Charges

Joining Fee

Rs 499 + GST

Renewal Fee

Rs 499 + GST

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 Charge

3% or Rs. 200 (whichever is higher)

Add-on Card Fee

Nil

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.

FAQs:

Yes, you can use this credit card for the international transaction

You need to spend additional Rs 50,000 to earn 1000 reward points on the spending of Rs 2,00,000

1 Reward Point = Rs 0.25

You get an annual fee waiver on the spending of Rs 1,00,000 or above in the previous year.

You get an air accidental cover upto Rs 10 lakhs using this credit card.

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