What is the reward rate on the NEXTERIA Credit Card?

Union Bank of India publishes the earn rate for this card by category rather than as a single number, and the rate has moved more than once. Pull the current rate from your latest statement rather than the brochure, then multiply it by your monthly spend in that category. That number, minus the fee, is the only figure that matters.

Does the NEXTERIA Credit Card give unlimited airport lounge access?

Yes. The card carries unlimited complimentary domestic and international lounge visits for the primary member, and guest visits are usually chargeable. Lounge access on premium cards is increasingly linked to prior quarter spend, so check your statement page each quarter. This is the single benefit that justifies most of the fee if you fly even once a month.

What changed on the NEXTERIA Credit Card recently and is it still worth it in 2026?

No card specific cut has been announced, though Union Bank of India has been trimming rewards across its portfolio. At ₹3L of yearly spend the card returns roughly ₹3,000 at its general rate of about 1%, against a ₹0 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

←

Card Details

4990 4772 8067 1525

NEXTERIA Credit Card

UNIONRUPAY

Monzy Score

5/ 10

Average for online shoppers.

Lifetime free, so no fee to earn back; thin rewards outside its core category.

Card Issuer

Union Bank of India

Joining Fee

₹12,499

Annual Fee

₹12,499

Reward Type

Reward Points

Card Access

Standard

Earn Points

5 pts/₹125

Reward points on eligible spends

10X points

Birthday month online shopping & electronics (max 10k pts)

5X points

Monthly milestone on spends ≥₹2 lakh (max 10k pts)

Bonus 10k-15k pts

Annual milestone bonuses at ₹10L/₹12L spends

Benefits

Travel

Domestic & international lounge visits

Comprehensive lounge access
Unlimited visits worldwide for the primary member
Family access twice per quarter (1+3)
Family visits limited to two quarters visits

Hotels

ITC 2+1 nights with 1+1 dining & spa

Luxury stay & dining privileges
Unlimited 2+1 night stays at ITC premium hotels barring blackout dates
Complimentary 1+1 dining and spa at signature ITC venues
Hotel Luxe membership covers 15 global chains with upgrades, credits and bonus points
Benefits subject to availability and hotel blackout dates

Entertainment

Monthly movie BOGO up to ₹500

Insurance

Up to ₹1 crore accident cover

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, rent, wallet, emi, government

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Online shopping & electronics (10X)

cap 10000RP=2500

₹2,500

Base / all other eligible spends

5/125

₹50

Total Annual Return

₹30,600

8.5% Effective ROI

What Users Are Saying

Community Feed

Jan 2026

NEXTERIA Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

NEXTERIA Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

NEXTERIA Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind