ELIGIBILITY CRITERIA
Not specified on the official page.
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WELCOME BENEFITS
• Up to ₹300 credited to the card account when you spend ₹300 or more on fuel at an HPCL outlet within 60 days of card activation.
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CARD REVIEW
The Union UNI-CARBON Credit Card is best suited for consumers who frequently purchase fuel at HPCL outlets and want higher cashback and surcharge waivers on those spends. With tiered rewards points, milestone incentives tied to annual spends, and the ability to link the card for UPI Scan & Pay transactions, it delivers solid value for everyday fuel buyers. However, the card’s value diminishes if most spends are outside fuel categories, as non-fuel rewards are modest. While the annual fee is waived in the first year and on sufficient annual spend, occasional users may find the fee structure less compelling compared to cards with broader benefits. Overall, it’s a focused, fuel-centric rewards card with competitive incentives for its target audience.
