Premium stack10.0
union / RUPAY
Union Bank Nexteria (RuPay Ekaa)
Annual
₹12,499
Return
1%
Lounges
Unlimited
Forex
3.5%
Card summary
- Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.
Pros
- Strong benefit ceiling if you recover the ₹12,499 annual fee.
- 1% cashback keeps value easy to understand.
- Unlimited lounge access adds travel utility.
Cons
- 3.5% forex markup can reduce overseas value.
- Higher ₹25,00,000 income expectation narrows eligibility.
- Travel value depends on actually using lounge and trip perks.
Best for
Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.
Value profile
Best when annual benefits are actively redeemed.
