If you’re looking for a premium Indian credit card that delivers exceptional value—whether for travel, lifestyle, shopping, or entertainment—the newly launched RuPay UNICORN Credit Card by Union Bank of India checks all the boxes. This detailed blog brings together every essential detail from the product’s official features and welcome kit to step-by-step usage, rewards tips, benefits claims, and support guidance. For those wanting a one-stop resource, read on!

What is the RuPay UNICORN Credit Card?

RuPay UNICORN is a flagship premium credit card, specifically crafted for high-spending, benefit-conscious users who seek the best of both worlds—generous reward points and practical, high-value privileges. Backed by the Union Bank of India and operating on the RuPay Select platform, it aims to compete with the best premium cards in India.

Key Benefits & Features

Rewards & Spending

• 4 Reward Points on Every ₹100 Spent: Get rewarded on every transaction (excluding certain spends such as jewellery, fuel, wallet loads, and insurance).

• Activation Bonus: Spend ₹10,000 within 30 days of card delivery and earn an instant 4,000 bonus points.

• 5X Rewards: 

• On all spends during your Birthday month

• On monthly spends above ₹20,000

• Annual Milestone Bonuses:

• Earn extra 2,000 points each at ₹1L, ₹2L, ₹3L, ₹4L, and ₹5L annual spend milestones (up to 10,000 extra points per year).

• Rewards Cap: 10,000 points per month (excluding milestone points), plus up to 10,000 annual milestone points.

Travel & Hospitality

• Airport Lounge Access: Enjoy 8 Domestic (2 per quarter) and 2 International visits annually via Priority Pass and RuPay exclusive lounges.

• Emergency Overseas Cash Concierge for peace of mind during travel.

• 10% Discount on Flights (via MakeMyTrip): Up to ₹1,500 savings per year.

• Aroma Spa Experience: Spa session each quarter for holistic luxury.

Shopping, Lifestyle, and Entertainment

• Vouchers & Offers:

• Myntra: ₹250 per quarter

• Nykaa: ₹500 per quarter

• Blinkit: ₹250 per quarter

• BookMyShow: ₹250 discount each month on movie tickets

• OTT Subscription: Free for one year—Amazon Prime, Hotstar, Sony Liv, or Zee5 (selectable via claims portal).

• Swiggy One Free for 3 Months, Quarterly Lifestyle Deals, and More!

• Fuel Surcharge Waiver: Up to ₹100 per month.

Insurance & Security

• Personal Accident Insurance: ₹10 lakh accident and permanent disability cover.

• Annual Fee Waiver: Spend ₹3,00,000 in a year for waiver.

Who Can Apply?

• Eligibility: Minimum gross annual income of ₹5 lakh.

• Card Limit: Starts from ₹50,000 (individual assessment).

• Fees: ₹2,400 annual/joining fee for primary and add-on (waivable on eligible spends).

• Waiver Criteria:

• Waiver of joining fee if ₹1 lakh is spent within 90 days of activation.

• Waiver of renewal/annual fee if ₹3 lakh spent in the previous year.

How to Activate Your RuPay UNICORN Card

Upon receiving your physical card:

1. Activate within 30 Days: Mandatory as per RBI guidelines. Failing to do so may lead to card deactivation.

2. Activation Methods:

• By SMS: Send `CARDACKW XXXX` (where XXXX = last 4 digits of card) to 7836884400 from your registered mobile number.

• By QR Code: Scan the code in your welcome package and follow prompts.

• Via Website/App: Visit UnionCards Portal and register/activate.

PIN Generation (3 Easy Ways)

• Online via Website: Use the Green PIN tab for self-generation.

• Union Credit Card App: Choose PIN generation, set & confirm with OTP.

• VYOM App: Access ‘Transact’ → Credit Card → Generate PIN; set and confirm with OTP.

• Note: Card can be used only after PIN creation.

Enabling Online, International, and Contactless Transactions

By default, cards are disabled for these uses due to RBI rules. Enable them by:

• Logging into the VYOM app, Credit Card App, or UnionCards web portal

• Navigating to “Manage Card” or “Transaction Limits”

• Enabling specific transaction types and setting custom spending limits

Linking RuPay Credit Card with UPI

One unique RuPay advantage—link your credit card directly with UPI for merchant payments:

1. In your favorite UPI app go to Account/Profile

2. Select ‘Credit Card’ as the payment option, choose Union Bank of India

3. Enter card details and authenticate via OTP to set your UPI PIN

4. Enjoy credit card reward points on UPI merchant transactions everywhere UPI is accepted!

Claiming Your Free Benefits & Offers

Most premium offers (OTT, vouchers, spa, etc.) require registration and redemption via the RuPay Select Portal:

Step-by-Step Redemption Process:

1. Go to: RuPay Offers Portal

2. Register: Use card type, name, last digits, mobile, email, city, create password.

3. Login: See all eligible offers.

4. Redeem: Select benefit, pay ₹1 for authentication, receive coupon code via email/SMS (usually within 24-48 hours).

5. Spa & Wellness: After receiving a code, call support (+91-4041891419) to book appointments.

6. Coupon validity: Most e-voucher codes are valid for 30 days from issue.

Insurance Claim Process

For personal accident/disablement claim (Active on minimum transaction within 30 days prior to incident):

1. Inform your issuing branch immediately

2. Email: rupayinsurance@npci.org.in

3. Submit documents:

• Card details, proof of eligible transaction, hospital/FIR records, nominee NEFT details, NPCI/Bank declaration form

4. The claim will be processed jointly by your bank and NPCI as per their guidelines.

Critical Tips

• Activate and use your card within 30 days of delivery, plus perform at least one transaction each year.

• Track all offers on the RuPay portal—most are not auto-credited!

• Set up transaction limits for added security

• Save customer care/contact details:

• Union Bank: 1800-425-1515 / 1800-222-244 / 1800-209-2244

• RuPay offers: +91-4041891419

FAQ

Q: Can the joining/annual fee be waived?

A: Yes! ₹1L spend in 90 days waives joining fee; ₹3L in previous financial year waives renewal fee.

Q: What spends are excluded from rewards?

A: Jewellery, fuels, wallet loads, insurance payments, cash withdrawal, and alcohol.

Q: How soon can I claim OTT and voucher benefits?

A: As soon as your card is activated and registered on the RuPay portal (ideally within the first month for optimum value).

Conclusion

The RuPay UNICORN Credit Card stands out as a feature-rich, high-value offering in the Indian market. From rewarding high spenders and frequent travelers to entertainment buffs and online shoppers—it brings unmatched flexibility, security, and premium perks. With thoughtful activation, regular use, and savvy redemption, you can unlock maximum value seamlessly.

Unlock premium Indian rewards. Activate your RuPay UNICORN, and make every swipe count!

Please visti nearby Union Bank Of India branch for detailed and accurate information. However we have taken utmost care in provide the information, we will not be responsible for any error or wrong information given above.