Explore the Union Bank Select RuPay Credit Card, providing a rewarding proposition of earning 4 points for every Rs. 100 spent.
Benefit from cashback advantages on utility bills, mobile wallet transactions, and IRCTC expenditures.
Relish the luxury of complimentary lounge access and ensure your security through substantial coverage for accidental demise.
With the option to redeem rewards for travel, entertainment, and other choices, and a validity span of 3 years, this versatile credit card enhances both your rewards and financial confidence.
Table of Contents
Benefits and Features of Union Bank Select RuPay Credit Card
| Benefits and Features | Select RuPay Credit Card |
|---|---|
| Welcome Benefits | N/A |
| Cashback/Rewards Points | Earn a max. of Rs. 50 cashback per month on utility bill payments. Also, earn a max. of Rs. 50 cashback per month on a min. transaction of Rs. 500 in your mobile wallet. Earn cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions. Earn 4 reward points on every Rs. 100 spent on this credit card. |
| Travel Benefits | Get a complimentary lounge program on this credit card. |
| Dining Benefits | N/A |
| Domestic Lounge Access | Get 4 complimentary domestic lounge access on this credit card. |
| International Lounge Access | Get 4 complimentary international lounge access on this credit card. |
| Movie Benefits | N/A |
| Insurance Benefits | Covers accidental air death up to Rs. 10 lakhs and other accidental death up to Rs. 8 lakhs. |
Benefits of Union Bank Select RuPay Credit Card
- Reward Points and Spending – The Union Select RuPay Credit Card from Union Bank of India enables you to earn 4 reward points for every Rs. 100 spent, offering an enticing way to accumulate benefits with your transactions.
- Cashback Benefits – Enjoy up to Rs. 50 cashback per month on utility bill payments with this card. Additionally, on a minimum mobile wallet transaction of Rs. 500, you can receive a maximum of Rs. 50 cashback monthly.
- IRCTC Transactions – Make the most of your card with Rs. 25 cashback when spending a minimum of Rs. 300 on IRCTC transactions, adding value to your travel experiences.
- Luxurious Lounge Access – Elevate your travel with the card’s perk of 4 complimentary domestic and international lounge accesses each year, ensuring a touch of elegance.
- Comprehensive Security – This card offers peace of mind with an accidental air death cover of up to Rs. 10 lakhs, alongside additional accidental death coverage of up to Rs. 8 lakhs.
- Flexible Redemption – The Union Select RuPay Credit Card lets you redeem your earned reward points for various purposes, including movie tickets, air and bus tickets, and gift vouchers. Remember, a minimum of 100 reward points must be redeemed in one transaction.
- Reward Points Validity – Keep in mind that the reward points collected with this credit card are valid for 3 years from the date of accumulation, providing you ample time to make the most of your benefits.
- Monetary Value of Reward Points – Each reward point you earn holds a value of Rs. 0.25, adding a tangible benefit to your spending.
Eligibility for Union Bank Select RuPay Credit Card
- The age limit for primary cardholders should be between 18years to 65 years
- Cards are issued primarily to customers. To Non-customers on a selective basis.
- Income Eligibility is 7.5 lakh per Annum
- Cards are also issued against a lien on Fixed Deposit with a 25% margin without insisting on Income Proof & Scoring Model.
- Must have a good credit score
Document required for Union Bank Select RuPay Credit Card
- PAN card photocopy
- Latest payslip / Form 16 / IT return copy as income proof
- Color photographs
- Residential proof
- Identity proof
Fees & Charges of Union Bank Select RuPay Credit Card
| Fees & Charges | Select RuPay Credit Card |
|---|---|
| Joining fee | Nil |
| Annual fee | Rs. 499 + Taxes |
| Fee waiver | Annual fee waived off on spending Rs. 50,000 in the previous year. |
| Fuel surcharge | 1% Fuel surcharge waiver on fuel transactions. The max. fuel surcharge at Rs. 100 per month. |
How to Apply for Union Bank Select RuPay Credit Card
You can apply online or offline for this Union Bank Credit Card.
Online – Visit Union Bank’s official website and apply for this credit card.
Offline – You can visit the nearest Union Bank branch with all the necessary documents.
Conclusion
The Union Select RuPay Credit Car from Union Bank of India presents a range of benefits that add value to your spending. With the ability to earn reward points on every transaction, cashback options for bill payments and mobile wallet transactions, and cashback on IRCTC spends, this card enhances your financial experiences.
The card’s indulgent side shines through with complimentary lounge accesses, while its robust security features provide a safety net with substantial accidental death coverage. With flexible redemption options and a reasonable reward points validity period, this credit card makes your financial journey both rewarding and secure.
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Note: The content on this page is for information only. To apply for this card, please visit the Bank’s website.
