IndusInd Bank Signature vs Union Bank Visa Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Union Bank Visa Signature Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.1/10 vs 5.9/10.
| Feature | IndusInd Bank Signature | Union Bank Visa Signature |
|---|---|---|
| CardTrail Score | 5.9/10 | 7.1/10 |
| Annual Fee | ₹1,999 | ₹250 |
| Base Reward Rate | 0.75% | 0.5% |
| Max Reward Rate | 1.5% | 2% |
| Forex Markup | 2% | 3.5% |
| Domestic Lounges | 0 | 2 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose IndusInd Bank Signature
- You can meet the fee waiver condition: Spend ₹2L/year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- Your primary spend is: lifestyle, rewards
When to Choose Union Bank Visa Signature
- You can meet the fee waiver condition: Spend ₹1L/year
- You want higher rewards — up to 2% vs 1.5%
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: general, rewards
Forex Cost Comparison
On ₹1,00,000 annual international spending: IndusInd Bank Signature costs ₹2,360 in forex fees vs Union Bank Visa Signature at ₹4,130. You save ₹1,770/year with IndusInd Bank Signature.
Annual Fee Value Analysis
To break even on IndusInd Bank Signature's ₹1,999 fee at 0.75% rewards, spend ₹22,211/month.
To break even on Union Bank Visa Signature's ₹250 fee at 0.5% rewards, spend ₹4,167/month.