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RuPay Select Credit Card

Product Details
Credit Card Name : 

RuPay Select Credit Card

Bank Name :

Union Bank of India

Type :

Regular Credit Card

Interest Rate : 

16% per annum on reducing balances

Eligibility :

Indian Resident
Age criteria (For Salaried) 18-65 Yrs.
Age criteria(For Professionals) 18-70 Yrs.
Minimum Income- Rs. 7.50 lakhs per annum

RuPay Select Credit Card
Pros
  • Credit Card allows users to avail discounts and cashback every time they swipe the card. 

  • Get a fuel surcharge waiver of 1% at any petrol station in India. 

  • Insurance for loss of card: Up to Rs.1.5 lakh Spent Rs.50,000 or more in the previous year, the annual fee of Rs.499 will be waived for the next year. 

  • Users get merchant offers like cashbacks and discounts at restaurants and on paying utility bills. 

  • Personal accidental coverage: Rs.10 lakh 4 complimentary domestic and international lounge access.

Cons
  • No welcome benefit provided to the users.

Pros & Cons
Welcome Benefits
None
Rewards System
  • You can redeem your reward points for movies, bus & air tickets, gift vouchers, etc. 

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

  • 1 reward point = Rs. 0.25. 

  • You can earn 1 RP for every INR 100 spent. 

  • Effective Cashback Rate= 2.25%

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. 7.50 lakhs per annum

Benefits
Credit Card allows users to avail discounts and cashback every time they swipe the card. Get a fuel surcharge waiver of 1% at any petrol station in India. Insurance for loss of card: Up to Rs.1.5 lakh Spent Rs.50,000 or more in the previous year, the annual fee of Rs.499 will be waived for the next year. Users get merchant offers like cashbacks and discounts at restaurants and on paying utility bills. Personal accidental coverage: Rs.10 lakh 4 complimentary domestic and international lounge access.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

Online Visit the Union Bank of India website and go to the Credit Card section. 

  • Click on the "Apply Now" button for the RuPay Select Credit Card. 

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

  • Upload the required documents, such as your PAN card, ID proof, and address proof. 

  • Submit the application form. 

  • Required documents To apply for Union Bank of India's RuPay Select Credit Card, you will need the following documents: PAN card ID proof (Aadhaar card, driving license, passport, etc.) Address proof (Aadhaar card, bank statement, utility bill, etc.) Income proof (salary slip, ITR, etc.) 

  • Processing time The processing time for Union Bank of India's RuPay Select Credit Card application is typically 7-10 business days. 

  • Once your application is approved, you will receive your credit card within 7-10 business days.

Contact Details

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

Account Opening and Procedure
RuPay Select Credit Card

The Union Bank of India RuPay Select Credit Card is a decent option for RuPay enthusiasts and budget-conscious individuals who value fuel savings, movie discounts, and basic travel perks. The fuel surcharge waiver and movie benefits can be particularly attractive for everyday spending. However, the lower reward point value, limited redemption options, and network limitations might not be ideal 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- 499 

  • 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 will be Reimbursed @1% of the amount spent on fuel purchase subject to a maximum of 100/- per card per month.
Billing Cycle

30 Days

Fees & Charges
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