RuPay Select Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
RuPay Select Credit Card
Bank Name :
Union Bank of India
प्रकार
Regular Credit Card
ब्याज दर
16% per annum on reducing balances
पात्रता
Indian Resident
Age criteria (For Salaried) 18-65 Yrs.
Age criteria(For Professionals) 18-70 Yrs.
Minimum Income- Rs. 7.50 lakhs per annum
पेशेवरों
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.
दोष
No welcome benefit provided to the users.
पक्ष विपक्ष
Welcome Benefits
पुरस्कार प्रणाली
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%
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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
फ़ायदे
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Toll free numbers are : 1800 2222 44
1800 2222 43
1800 208 2244 1800
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
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
उत्पाद समीक्षा
फीस एवं प्रभार
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
ईंधन अधिशुक्ल
Billing Cycle
30 Days