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CREDIT CARD

NEXTERIA Credit Card

Union Bank of India

Metal RuPay credit card listed with family lounge access, ITC hotel stay, dining and spa offers, a movie ticket offer, insurance cover and concierge services.

Some hospitality benefits are subject to availability and hotel blackout dates. The RuPay exclusive benefits are listed as proposed and may change from time to time.

NEXTERIA Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Lounge access with family: two family visits (1+3) per quarter and unlimited visits for individuals, domestic and international.
BEST FOR
Included: May suit premium-segment customers who travel with family and use airport lounges, ITC hotels and restaurants.
Included: May suit customers who travel with family and want airport lounge access for family members.
Included: May suit those who stay at or dine in ITC hotels and restaurants.
Included: May suit those who want insurance and 24x7 concierge services bundled with a metal card.
Limitation: Those who want a published reward earn rate or fee details up front may wish to compare other cards.
Limitation: Those who want a published reward rate or cashback may wish to compare other cards.
Limitation: Those who need fees and eligibility details before applying may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: ITC stay: 2+1 complimentary night at premium ITC hotels (other than Fortune), any number of times except hotel blackout dates.
Condition: Movie ticket offer: buy 1 get 1 ticket up to ₹500, once a month.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
Not stated
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Unlimited — Unlimited visits for individuals · Family: two visits per quarter (1+3), as worded on the page.
International airport lounge
Unlimited — Unlimited visits for individuals · Family: two visits per quarter (1+3), as worded on the page.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
NPCI (bank-curated offer)
EVERYDAY
Fuel
Not stated
Dining
1+1 set-menu dining at signature ITC restaurants, any number of times through the year
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Lounge access with family: two family visits (1+3) per quarter and unlimited visits for individuals, domestic and international.
Included: Metal card built on the Ekaa variant of the RuPay network.
Included: Hotel Luxe membership with benefits across 15 international hotel chains, including complimentary breakfast, room upgrade, early check-in and late check-out.
Included: Insurance listed: personal accident ₹50.00 Lakhs, air accident ₹1.00 Cr, purchase protection ₹2.00 lakhs, baggage-loss cover ₹0.20 lakhs.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
Visit bank website (opens in a new tab)

Figures last checked 31 Oct 2026 against the issuer’s published terms.