Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual feeFree
No annual fee.
Fee waiverNot needed
This card is lifetime free.
Best return0.3%
Dining spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹555after annual fee
No annual membership fee in current record
Fee waiver estimator
Adjust your spend only if you need to test whether the card pays for itself.
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on dining — 0.25% vs 0.13% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Diningbest earn
0.25%
Basedefault
0.13%
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
This card is better treated as direct cashback or feature value.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Redemption optimizer unavailable
This card is better evaluated through direct cashback, fee drag, and perk value right now.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
Rows mapped42 rows
31 domestic • 11 international policy count
Access ruleCheck terms
Card-level policy notes:
• Free Airport Lounge Access
- Source file: Visa India participating airport lounges PDF (generic domestic programme section).
- Imported lounge rows are network-level; access is card-tier and issuer-policy dependent.
- Verify spend thresholds, card eligibility, and visit caps in latest issuer terms before travel.
Verify latest spend criteria and guest access with issuer before travel.
Coverage sourceIssuer mapped
Mapped from issuer lounge dataset + card policy signals
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Mapped from issuer lounge dataset + card policy signals
Lounge Spend Tracker
Threshold unknown
Check the spend threshold for Union Bank Signature using spend in the issuer’s qualifying period.
₹0 spentAdd threshold to start tracking
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
No spend threshold was detected from current lounge policy text. You can still track manually.
Spend threshold
Verify spend thresholds, card eligibility, and visit caps in latest issuer terms before travel.
Quarter / cycle rule
No quarter or billing-cycle lounge rule is explicitly listed.
Guest access
Guest access policy is not explicitly listed in current data.
Priority Pass
International lounge access is listed; verify if this is via Priority Pass or direct network.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
42 rows
Lounge locations
42 mapped rows available on demand
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Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
Truth Data Snapshot
Issuer-linked details for offers, redemption, lounges, and reliability status.
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Offer Truth
Joining fee₹0
Annual fee₹0
Waiver thresholdNot listed
Cap typenone
Cap resetnone
Last verified2026-02-12
Redemption Truth
Cash value/pointNot listed
Travel value/pointNot listed
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-12
Lounge Truth
NetworkVisa
Domestic count31
International count11
Quarterly limitNot listed
Airport-terminal rows42
Policy check2026-02-10
Reliability + Outcomes
Verification statusstale
Freshness days232
Source conflicts0
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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Is Union Bank Signature lifetime free?
Union Bank Signature is lifetime free with no annual fee.
What rewards does Union Bank Signature offer?
Secure PSU Card
Does Union Bank Signature include lounge access?
Union Bank Signature lists lounge access with 42 mapped lounge rows (31 domestic, 11 international policy count).
Who should consider Union Bank Signature?
Conservative Users
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 12 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
