Union Select RuPay Credit Card

Rewards

• Rewards rate

  You can earn a maximum of Rs. 50 cashback per month on utility bill payment. You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet. You can also cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions. You can earn 4 reward points on every Rs. 100 spent on this card.

• Reward redemption

  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.

Benefits

• Travel

  Get a complimentary lounge program.

• Domestic lounge

  4 complimentary domestic lounge access.

• International lounge

  4 complimentary international lounge access.

• Insurance

  Covers accidental air death up to Rs. 10 lakhs and other accidental death up to Rs. 8 lakhs.

Fees & charges

• Spend-based waiver

  Renewal fee waived off on spending Rs. 50,000 in the previous year.

• Rewards redemption fee

  Nil

• Foreign currency markup

  3% on the conversion amount.

• Interest rates

  2.95% p.m. (41.75% p.a.)

• Fuel surcharge waiver

  1% Fuel surcharge waiver on fuel transactions. The maximum fuel surcharge is capped at Rs. 100 per month.

• Cash advance charges

  3% or Rs. 200 (whichever is higher)

Product highlights

• Union Select RuPay Credit Card comes with no joining fee.
• Earn 4 reward points on every Rs. 100 spent using this card.
• Earn cashback of Rs. 50 on payment of utility bills.
• Earn cashback of Rs. 50 on a minimum transaction of Rs. 500.
• Earn cashback of Rs. 25 on a minimum transaction of Rs. 300 spent on the IRCTC website.
• Get 4 complimentary domestic and international lounge access.
• Covers accidental air death cover and credit card lost cover.
• 1 RP = Rs. 0.25

FAQs