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Union Bank of India Rupay Select Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
1 reward point = Rs. 0.25.
You can earn 1 reward point for every INR 100 spent.
General Cashback Rate = 0.25%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
INR 10 Lakh accidental insurance for free.
Card can be linked to any UPI app like Phonepe.
Offers from Rupay on dining and shopping from time to time.
Lounge Access
2 free domestic lounge access per quarter.
2 free international lounge access per year.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
1 reward point = Rs. 0.25.
You can earn 1 reward point for every INR 100 spent.
General Cashback Rate = 0.25%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
INR 10 Lakh accidental insurance for free.
Card can be linked to any UPI app like Phonepe.
Offers from Rupay on dining and shopping from time to time.
Lounge Access
2 free domestic lounge access per quarter.
2 free international lounge access per year.
Fees & Charges of
Union Bank of India Rupay Select Credit Card
Joining Fee
NIL
Annual Fee
499
Cash Advance Fee
Cash advance fee: 2.5% per month from date of withdrawal
Interest rate
Interest Rates: 16% p.a., on reducing balances
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3%.
Other Fees
Reward Redemption Fees: NIL
Joining Fee
NIL
Annual Fee
499
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 16% p.a., on reducing balances
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3%.
Other Fees
Reward Redemption Fees: NIL
Fee and Charges of
Union Bank of India Rupay Select Credit Card
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
Speical Feature, Eligibility and Benefits of
Union Bank of India Rupay Select Credit Card
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 of
Union Bank of India Rupay Select Credit Card
Find Offers on Your Credit Card
Find Offers on Your 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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai