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Union Bank Signature
Union Bank • Visa

Union Bank Signature

Secure PSU Card

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFree
Base Reward0.5%On all spends
Lounge Access4231 domestic • 11 intl
Est. Annual Savings₹600Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

No waiver condition listed.

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
1.0%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Union Bank Signature is best positioned as a lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.0% on dining-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 42, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Use as a focused specialist inside a multi-card setup without forcing all spend through one product.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

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 statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports24
  • Approval reports15

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Union Bank Signature using your current period spend.

₹0 spentAdd threshold to start tracking

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.

Lounge Locations

42 airport lounge rows
View lounge map and location list42 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

3 lounges • 2 domestic • 1 international

3
Adani LoungeDomestic

AHM • Ahmedabad Airport • Terminal 2

The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeInternational

AHM • Ahmedabad Airport • Terminal 2

Amritsar

4 lounges • 2 domestic • 2 international

4
Costa CoffeeDomestic

AMR • Amritsar Airport • NA

Costa CoffeeInternational

AMR • Amritsar Airport • NA

Primus LoungeDomestic

AMR • Amritsar Airport • NA

The Airr LoungeInternational

AMR • Amritsar Airport • International Terminal

Bengaluru

1 lounges • 1 domestic • 0 international

1
Lounge - West PHDomestic

BEN • Bengaluru Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Dehra Dun

2 lounges • 2 domestic • 0 international

2
Bird LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • NA

Carnations LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • Domestic Terminal

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Mohanbari Dibrugarh Primus LoungeDomestic

DIB • Dibrugarh Mohanbari Airport • NA

Goa

2 lounges • 1 domestic • 1 international

2
Encalm LoungeInternational

GOA • Goa Airport • Terminal 1

Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • NA

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 1

Jammu

1 lounges • 1 domestic • 0 international

1
Airport Jammu Executive LoungeDomestic

JAM • Jammu Airport • Domestic Terminal

Kochi

2 lounges • 1 domestic • 1 international

2
Travel ClubDomestic

KOC • Kochi Airport • Terminal 1

Travel ClubInternational

KOC • Kochi Airport • Terminal 3

Kolkata

1 lounges • 0 domestic • 1 international

1
AnnexInternational

KOL • Kolkata Airport • Terminal 1

Lucknow

2 lounges • 1 domestic • 1 international

2
Adani LoungeDomestic

LUC • Lucknow Airport • Terminal 3

BudweiserInternational

LUC • Lucknow Airport • Terminal 3

Mumbai

4 lounges • 4 domestic • 0 international

4
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 1B

Good Times BarDomestic

MUM • Mumbai Airport • Terminal 1B

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 1C

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 2

Nagpur

2 lounges • 2 domestic • 0 international

2
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • NA

The Airr LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Domestic Terminal

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Encalm LoungeInternational

NEW • New Delhi Airport • Terminal 3

Patna

1 lounges • 1 domestic • 0 international

1
m Airport Vishakhapatnam The Airr LoungeDomestic

PAT • Patna Airport • Domestic Terminal

Prayagraj

1 lounges • 1 domestic • 0 international

1
Airport Allahabad / PrayagrajDomestic

PRA • Prayagraj Airport • Domestic Terminal

Ranchi

1 lounges • 1 domestic • 0 international

1
Birsa Munda Ranchi The Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Terminal 1

Thiruvananthapuram

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

THI • Thiruvananthapuram Airport • Terminal 1

The LoungeInternational

THI • Thiruvananthapuram Airport • Terminal 2

Vadodara

1 lounges • 1 domestic • 0 international

1
Airport Vadodara Premium LoungeDomestic

VAD • Vadodara Airport • NA

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Low Interest Rates
  • Free Airport Lounge Access

Things to Consider

  • Tech interface is poor
  • Offline process

About Union Bank Signature

Union Bank Signature is a points card from Union Bank, best for conservative users. It is tagged under lifestyle, lifetime free categories in our database.

LifestyleLifetime Free

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Frequently asked questions

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 42 lounge visits (31 domestic, 11 international).

Who should consider Union Bank Signature?

Conservative Users

Where can I apply for Union Bank Signature?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.