Union Bank RuPay Select Credit Card
Annual Fee
₹1,000
Rewards/₹100 ⓘ
₹0.25 - ₹0.50
Interest Rate
36.00%
Credit Score
725+
At a Glance
Key Benefits
Lounge access, UPI credit line, Rs.5L insurance, 24x7 concierge
Lounge Access
3 domestic + 2 international lounges per quarter
Eligibility
Age: 21-65 years, Annual income: Rs.5 lakh+, CIBIL: 725+
Quick Details
Reward Structure
All Spends
Dining
Reward Calculator
Milestone Benefits
Annual fee waiver on Rs.1.5L spend
Spend ₹1,50,000 within 365 days
value
Airport Lounge Access
visits per quarter
Via RuPay/Dreamfolks
visits per quarter
Via RuPay international program
Insurance Coverage
Accident
₹5,00,000
Personal accident insurance
Lost Card
₹1,00,000
Lost card liability
Lifestyle Perks
Fuel
1 /month
1% fuel surcharge waiver
Concierge
24x7 concierge services
Other
1
UPI credit line support
Quick Analysis
Union Bank RuPay Select offers good lounge access and UPI support at affordable fees. Ideal for Union Bank customers seeking premium benefits.
Pros
- 3 domestic + 2 international lounge visits per quarter
- 1-2 reward points per Rs.100 spent
- Rs.5 lakh personal accident insurance
- UPI credit line support
- NCMC functionality for transit
- 1% fuel surcharge waiver
- 24x7 concierge services
Cons
- Rs.1,000 annual fee
- Fee waiver requires Rs.1.5L spend
- 3.5% forex markup
- High APR of 36%
Best For
Union Bank customers, domestic travelers, UPI users
Not Ideal For
International travelers, premium lifestyle seekers
Frequently Asked Questions
What lounge access does this offer?
User Reviews
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