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RuPay Platinum Credit Card

Product Details
Credit Card Name : 

RuPay Platinum Credit Card

Bank Name :

Union Bank of India

Type :

Regular Credit Card

Interest Rate : 

16% per annum

Eligibility :

Indian Resident
Age criteria (For Salaried) 18-65 Yrs.
Age criteria(For Professionals) 18-70 Yrs.
Minimum Income- Rs. 2.50 lakhs per annum

RuPay Platinum Credit Card
Pros

1-Accidental Insurance Coverage-Personal Accidental Insurance Coverage of up to 2.00 lakh in case of loss of life or permanent disability due to acciden , 

2.Wider Acceptance-Wider acceptance over 39.3 million merchants and 1.88 million ATMs spread across India and abroad , 

3-RuPay Offers-Exclusive merchant offers and cash back in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice. Please refer the below link below for more details. 

4-Add on Cards-Make Union Bank of India your family Bank by gifting your family members (only for members above 18 years) an add-on RuPay Platinum Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.

Cons
  • No international usage 

  • No complimentary airport lounge access 

  • High late payment fees.

Pros & Cons
Welcome Benefits
None
Rewards System
  • 1 Reward point = 0.25 

  • You earn 1 RP for every INR 100 spent. 

  • You can earn a maximum of Rs. 50 cashback per month on utility bill payments. 

  • Users can redeem their reward points for movies, bus & air tickets, gift vouchers, etc. 

  • A minimum of 100 reward points needs to be accumulated for redemption. 

  • Effective Cashback rate= 2%

International Forex Markup
International Forex Markup: Upto 3%
Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria

Indian Resident
Age criteria (For Salaried) 18-65 Yrs.
Age criteria(For Professionals) 18-70 Yrs.
Minimum Income- Rs. 2.50 lakhs per annum

Benefits

The Union Bank of India RuPay Platinum Credit Card offers a variety of benefits, including: 

  • Reward points on all spends: You will earn 2 reward points for every Rs. 100 spent on all transactions made with your Union Bank of India RuPay Platinum Credit Card. 

  • Fuel surcharge waiver: You will get a 1% fuel surcharge waiver on all fuel transactions made with your card at any petrol pump in India. 

  • Milestone bonus rewards: You can earn additional bonus rewards based on your annual spending on the card. For example, you will earn 500 bonus rewards on reaching an annual spending of Rs. 1,25,000 and an additional 1,000 bonus rewards for every Rs. 50,000 spent beyond Rs. 2,00,000. 

  • Rewards redemption: You can redeem your reward points for cash back, vouchers, or merchandise from a variety of partner merchants. 

  • Other benefits: The Union Bank of India RuPay Platinum Credit Card also offers other benefits such as: Accidental death insurance coverage of up to Rs. 10 lakh Purchase protection insurance coverage of up to Rs. 2 lakh Extended warranty protection on all purchases made with the card Contactless payment facility Free add-on cards for family members

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

Online: 

  • Visit the Union Bank of India RuPay Platinum Credit Card website. 

  • Click on the "Apply Now" button. 

  • Fill in the online application form with your personal and financial details. 

  • Upload the required documents, such as your PAN card, Aadhaar card, and income proof. 

  • Review your application and submit it. 

  • Documents required: To apply for the Union Bank of India RuPay Platinum Credit Card, you will need to submit the following documents: PAN card Aadhaar card Income proof (salary slip for salaried individuals or Form 16 for self-employed individuals) Bank statement (optional)

Contact Details

Toll free numbers are : 1800 2222 44
1800 2222 43
1800 208 2244 1800

Account Opening and Procedure
RuPay Platinum Credit Card

The Union Bank of India RuPay Platinum Credit Card offers decent value for occasional travelers and spenders who utilize the cashback offers strategically. It provides basic travel perks, insurance cover, and fuel surcharge waiver. However, the low reward point value, limited redemption options, and network limitations might not be suitable for high spenders or those seeking maximum value and flexibility.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fee-NIL, 

  • Annual Fee-Rs 299 

  • Cash advance fee: 2.5% per month from date of withdrawal 

  • Interest Rates: 16% p.a., on reducing balances 

  • Late Payment Charges: Up to Rs. 25,000/- = Rs. 200/- Above Rs.25,000/- = Rs. 500/- Statement for > 3 months = Rs. 50/- per statement 

  • Foreign Currency Transactions Fees: 3%. 

  • Reward Redemption Fees: NIL

Fuel Surcharge
Fuel Surcharge: 1% fuel surcharge is applicable on the cardholders. However, fuel surcharge waiver on the transaction value of Rs.200 and above at HPCL-authorized outlets with a cap of Rs.100 per billing cycle per card. This waiver is over and above the 4% cashback offered by the Bank.
Billing Cycle

30 Days

Fees & Charges
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