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Earn More while you Spend
Welcome bonus up to  300, by way of credit to Bill. The customer has to purchase fuel worth of 300/- and above at HPCL Authorized Fuel outlet within a period of 60 days from the date of activation of the card.
16 rewards on fuel spends with a minimum transaction of 500 and above at authorized HPCL outlets which would be equivalent to 4.00 cashback on every 100.00 spend (4% Cashback) up to a maximum of 150 per billing cycle per card.
1.50% cash back in the form of 6 payback/Reward points (1 Payback = 0.25) on transactions made on HP Pay App through UBI HPCL Co-branded credit card.
The Union Bank of India Uni Carbon Card understands your lifestyle and rewards you for your needs. You will earn 2 reward points for every 100/- spent by you using your Union Bank of India Uni Carbon Credit Card for transactions done in POS, Internet, IVR and MOTO.
1 Reward point = 0.25
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MileStone Rewards
On reaching spends of 1,25,000 in a year, Cardholder gets additional rewards in the form of milestones rewards.
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Incremental Rewards
| On reaching Annual spends(Rs.) |
Additional Rewards points Earned |
Cumulative Rewards points Earned |
| 1,25,000 |
500 |
500 |
| 1,50,000 |
600 |
1,100 |
| 1,75,000 |
700 |
1,800 |
| 2,00,000 |
800 |
2,600 |
For every spend of 50,000 beyond 2.00 lakh, card holder will receive additional 1000 rewards.
Redemption of rewards can be made in the form of cash back or through Union Rewards or any other Loyalty program.
Redemption of rewards can also be made in the form of fuel at HPCL petrol pump / HP pay subject to technical feasibility. Each reward is equivalent to 0.25.
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Interest Free Credit
Enjoy interest free credit period of 20 to 50 days on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.
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Fuel Surcharge Reimbursement
1% Fuel surcharge waiver for transactions of 200 and above at HPCL authorized outlets with a cap of 100 per billing cycle.
The total fuel surcharge waiver will be exclusive of the overall cashback of 150 per month offered as cash back benefits.
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Accidental Insurance Coverage
Free Personal Accidental Insurance Coverage of up to 10.00 lakh in case of loss of life or permanent disability due to accident. * T & C Apply.
Additional accidental Insurance Coverage of 10.00 lakh with premium of 65.02 including GST to be borne by the card holder. The insurance premium may vary from time to time.
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Wider Acceptance
Wider acceptance over 39.3 million merchants and 1.88 million ATMs spread across India and abroad,.
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Add on Cards
Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on Uni Carbon Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.
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RuPay Offers
Exclusive merchant offers and cash back in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice. Please refer the below link below for more details.
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Only HPCL fuel transactions reflecting with the MID,provided by HPCL and configured with Union Bank of India, will be eligible for up to 5% value back(cashback and fuel surcharge waiver) and welcome bonus(one-time).
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