Compare Union Bank UNICORN RuPay Credit Card and PNB RuPay Select Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Union Bank customers seeking a premium RuPay rewards card with a defined 8+2 annual lounge package and UPI compatibility.
PNB customers who want a stronger RuPay rewards/lifestyle package and can satisfy the simple quarterly-use fee-waiver condition.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/union-bank-unicorn-rupay-credit-card-vs-pnb-rupay-select-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 12, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
6 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | Union Bank UNICORN RuPay Credit Card | PNB RuPay Select Credit Card |
|---|---|---|
| Joining fee | The reviewed current UNICORN product page does not display the joining-fee figure in its rendered benefit section; verify the current Union Bank KFS/MITC before applying. | ₹500 + applicable taxes |
| Annual fee | The reviewed current UNICORN product page does not display the annual-fee figure in its rendered benefit section; verify the current Union Bank KFS/MITC before applying. | ₹750 + applicable taxes |
| Fee waiver | No fee-waiver amount is copied from an unrendered document in this review; use the current KFS/MITC linked by Union Bank for the controlling fee/waiver condition. | Annual fee waived when the card was used at least once in each quarter of the preceding year |
| Rewards | 4 reward points per ₹100 on eligible spend, with activation, birthday-month, monthly and annual milestone accelerators under the current product page. Base points are capped at 10,000 per month excluding milestone points, and specified MCCs are excluded. | 2 PNB Reward Points per ₹150 on eligible spend, plus 300 Reward Points on the first qualifying retail/online transaction within 90 days |
| Lounge | 8 domestic and 2 international lounge visits per year via the current programme, plus RuPay domestic lounge access and concierge benefits as described by Union Bank. | PNB lists complimentary domestic and international lounge access, alongside concierge and RuPay lifestyle benefits |
| Forex markup | No current UNICORN-specific forex-markup percentage is asserted from the rendered product page; verify the current KFS/MITC before international use. | 3.50% foreign-currency markup over the network conversion rate |
| Network | RuPay. | RuPay Select |
| Eligibility / approval | Positioned for affluent/lifestyle-oriented customers; issuance, eligibility, credit limit and KYC remain subject to Union Bank's current policy and approval. | PNB’s general eligibility table places RuPay Select at a ₹5 lakh minimum annual income, subject to age, documentation and underwriting |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 12, 2026 · 3 attached first-party sources
Reviewed September 9, 2026 · 6 attached first-party sources