UNION UNI CARBON Credit Card: A Co-branded Fuel Credit Card

This credit card comes with the following features and benefits:

Welcome Benefit
The card offers a welcome bonus of up to Rs. 300, subject to purchasing fuel worth Rs. 300 and above at authorized HPCL fuel outlets within 60 days from the date of card activation. Note that instead of direct cashback, this bonus is credited to the credit card bill.

Reward/Cashback Benefit on Fuel Transactions
The UNI CARBON credit card offers rewards/cashback on  fuel transactions, as follows:

(i) 16 reward points on every Rs. 100 spent at authorized HPCL outlets. Here, 1 reward= Rs. 0.25, thus, for 16 reward points, you earn a cashback equivalent to Rs. 4 on every Rs. 100 spent. However, note that you can earn this reward only on a transaction value of Rs. 500 and above at HPCL outlets.

(ii) Additionally, the card also offers an extra 1.50% cashback (or 6 reward points) on transactions done via the HP Pay App through UNION UNI CARBON Credit Card. These cashback/reward points are credited to the HP PAY App, instead of the credit card bill.

The maximum cashback you can earn in a billing cycle is Rs. 150.

Reward/Cashback Benefit on Non-Fuel Transactions
The card offers 2 reward points for every Rs. 100 spent on non-fuel transactions. Here, 1 reward point= is Rs. 0.25, thus this is equivalent to Rs. 0.50 cashback on every Rs. 100 spent. The card does not offer any reward on cash withdrawal transactions.

You can redeem the reward points earned via the UNION UNI CARBON Credit Card, in the form of cashback, through Union Rewards, or the HP PAY app.

Milestone Rewards
The UNI CARBON card offers milestone rewards over and above the normal rewards and cashback, via additional points on reaching spends of Rs. 1,25,000 in a calendar year. Above this value, the card offers incremental rewards for every Rs. 25,000 as mentioned in the table below:

On reaching annual spends of:	Bonus Rewards	Cumulative Rewards
Rs. 1,25,000	500	500
Rs. 1,50,000	600	1,100
Rs. 1,75,000	700	1,800
Rs. 2,00,000	800	2,600

In addition to the above rewards offered on spends up to Rs. 2 Lakh, the card also offers additional 1,000 rewards for every Rs. 50,000 spent beyond Rs. 2 lakh in a year.

Additional Fuel Surcharge Waiver
Over and above the rewards/cashback offered on fuel transactions at HPCL pumps, the card also offers a fuel surcharge waiver of 1% on the transaction value of Rs. 200 and above, subject to a maximum of Rs. 100 per billing cycle.

Additional Benefits
Apart from the benefits mentioned above, this card:

• allows contactless payments with a single tap, thus, enabling quick processing of transactions.
• offers accidental insurance coverage up to Rs. 10 Lakh.
• allows flexible repayment options to conveniently repay the card dues for high-value merchant transactions.
• allows a free credit period ranging from 21 to 50 days, depending on the date of purchase.
  

Some of the important fees and charges associated with this card are listed in the table below:

Fee Type	Amount
Joining Fee	Rs. 499
Annual Fee/Renewal Fee	Rs. 499 (waived off on spending Rs. 1 Lakh in a year)
Finance Charges	2.5 to 2.95% per month | 34.49% to 41.75% annually
Foreign Currency Markup	3%
Late Payment Charges	For Outstanding Amount: Up to Rs. 25,000: Rs. 200 Above Rs. 25,000: Rs. 500

Click here to check other associated fees and charges.

Criteria	Details
Age Requirement	18 to 60 years (70 for self-employed)
Occupation	Salaried or Self-employed
Minimum Annual Salary/Income	Rs. 2.5 Lakhs per annum

UNION UNI CARBON credit card is a decent credit card that offers co-branded fuel benefits with HPCL outlets such as cashback of up to 4%, bonus rewards on activation and milestone benefits, and additional fuel surcharge waiver amongst other benefits. At an annual fee of Rs. 499, the card offers limited benefits with maximum cashback of up to Rs. 150 per month, inclusive of the fuel surcharge waiver capped at Rs. 100.  In general, this cashback limit offered is very low.

Also, if you compare this credit card with other co-branded fuel credit card with HPCL, such as ICICI HPCL Super Saver Credit Card that offers extensive welcome benefit with up to 2,000 reward points, movie offers, dining discounts and even lounge access, UNION UNI CARBON Credit Card falls far behind.

This card can be a suitable option if you want an entry-level fuel credit card from Union Bank, or HPCL co-branded card exclusively with Union Bank. If not you must check other co-branded fuel credit cards with Indian Oil, Bharat Gas, etc, or you can also check other entry-level credit cards, co-branded credit cards, or all-rounder credit cards if you are not looking for fuel-specific benefits.

How to Maximize Benefits out of the UNION UNI CARBON Credit Card? You can maximize the benefits with your UNION UNI CARBON Credit Card if you frequently use the card at HPCL petrol pumps, as follows: Scenario Benefit You Get: Total Cashback: Using the card at HPCL outlets through PoS 4% cash back (16 reward points) +1% fuel surcharge wiaver 5% Using the card for payment at HPCL outlets through HP Pay App 4% cash back(16 Reward points) +1% fuel surcharge waiver + 1.50% cashback (6 pay back points) in their HPPay wallet 6.50%

Credit Card	Annual Fee	Key Feature
HDFC Bharat Cashback Credit Card	Rs. 500	5% cashback on fuel expenses, IRCTC tickets, groceries, bill payments and mobile recharges
IndianOil HDFC Bank Credit Card	Rs. 500	5% of your spends as fuel points at IndianOil outlets
ICICI Bank HPCL Coral Credit Card	Rs. 199	2.5% cashback and savings of 1% fuel surcharge on fuel purchases at HPCL pumps
SBI BPCL Credit Card	Rs. 499	13X reward points equivalent to 4.25% value back on fuel purchases at BPCL petrol pumps
IndianOil Citi Platinum Credit Card	Rs. 1,000	4 Turbo points for every Rs. 150 spent at IndianOil fuel stations

Where can I use my UNION UNI CARBON Credit Card?
You can use your UNION UNI CARBON credit card for both non-fuel and fuel transactions to earn Rs. 0.5 cashback and Rs. 4 cashback on every Rs. 100, respectively. You can maximize the benefits of this card by using it at the HPCL outlets in India.

Can I avail of add-on cards with this credit card?
Yes, you can avail a maximum of 3 add-on cards along with your primary credit card to extend the benefits to your spouse, children, or parents.  Add-on card charges are Rs. 300, along with add-on annual fee of Rs. 199.

What is the maximum cashback you can earn with your UNION UNI CARBON Credit Card?
The maximum cashback you can earn with this card is Rs. 150 per month. This includes the fuel surcharge waiver limited up to Rs. 100 per billing cycle.

Can I avail any rewards on cash withdrawals with this credit card?
No, the UNION UNI CARBON credit card does not offer any rewards on cash withdrawal transactions. The cash advance limit on this card is 40% of the sanctioned amount. The withdrawal charge is 3% on the amount withdrawn or Rs. 200 whichever is higher, in case of withdrawal from Union Bank of India ATMs and Rs. 50 in addition to 3% on the amount withdrawn or 200/- whichever is higher in case of withdrawal from another bank’s ATM.

Is this card accepted outside India?
Yes, you can use the UNION UNI CARBON credit card across 39.3 million merchants and 1.88 million ATMs spread across India and abroad.