
RuPay Select Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
No welcome benefit provided to the users.
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.
Rewards & Benifits
Welcome Benefits
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= 0.25%
International Forex Markup
Welcome Benefits and Reward System
Special Features
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
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



Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
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.
No welcome benefit provided to the users.
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.
RuPay Select Credit Card

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
Billing Cycle
30 Days