Card Details
Union UNI-CARBON Credit Card
UNIONRUPAY
Card Issuer
Union Bank of India
Joining Fee
₹499
Annual Fee
₹550
Reward Type
Cashback
Card Access
Standard
Earn Points
4% cashback
HPCL fuel spends of ₹500+ at authorized outlets
1.5% cashback
HP Pay App transactions with UNI-CARBON card
2 points/₹100
Non-fuel transactions (1 point = ₹0.25)
Benefits
Fuel
Up to 6.5% savings on HPCL fuel via HP Pay App
- 1% fuel surcharge waiver at HPCL
Welcome Benefits
Welcome benefit up to ₹300
Things to Keep in Mind
Fuel cashback tied to authorized HPCL outlets.
4% cashback equivalent requires minimum fuel transaction of Rs.500.
1% fuel surcharge waiver requires minimum Rs.200 fuel transaction and has Rs.100 monthly cap.
Up to 6.5% savings claim is conditional on HP Pay usage and qualifying transactions.
Milestone rewards depend on annual spend thresholds.
