Card Details
Union UNI-CARBON Credit Card
Card Issuer
Union Bank of India
Joining Fee
₹499
Annual Fee
₹499
Reward Type
Reward Points
Card Access
Standard
Earn Points
16 Pts
/₹100 At authorized hpcl outlets on ₹500+ transactions
1.5%
Extra via hp pay loyalty points on hp pay app transactions
2 Pts
/₹100 (0.5%) On non-fuel transactions
Benefits
High fuel return stack at HPCL: 4% equivalent…
- High fuel return stack at HPCL: 4% equivalent rewards + 1% surcharge waiver + 1.5% HP Pay points (up to 6.5%)
- 16 reward points per ₹100 on eligible HPCL fuel spends
- 1% fuel surcharge waiver at HPCL
RuPay credit card supports UPI linkage for…
- RuPay credit card supports UPI linkage for merchant scan-and-pay
Things to Keep in Mind
Up to 6.5% savings combines 4% card cashback, 1% fuel surcharge waiver, and 1.5% HP Pay wallet cashback.
The 4% fuel cashback requires fuel transactions of ₹500 or more and is capped at ₹150 per billing cycle.
1% fuel surcharge waiver is only on ₹200+ transactions and capped at ₹100 per billing cycle.
Welcome benefit up to ₹300 statement credit requires fuel purchase of ₹300+ at HPCL authorized outlet within 60 days of activation.
Additional 1.5% benefit is via HP Pay loyalty points credited to HP Pay app/wallet, not direct statement cashback.
“Up to 6.5%” is a stacked maximum and depends on meeting channel and eligibility conditions.
