Union Bank RuPay Select Credit Card
Union Bank About This Card
Union Bank RuPay Select offers an impressive 4 RP per Rs 100 on all categories — one of the highest among PSU bank cards. Combined with 8 domestic + 2 international lounge visits and Rs 30L insurance, it delivers strong value at Rs 499.
Pros & Cons
Pros
- 4 RP per Rs 100 on all spends — high for a PSU bank card
- 8 domestic + 2 international lounge visits per year
- Rs 30L accidental insurance coverage
- Low fee waiver threshold of Rs 50K
Cons
- RuPay limits international acceptance
- PSU bank — may have slower customer service
- Rs 499 fee (though easily waivable)
- Reward point value depends on redemption option
Fee Details
Reward Structure
Lounge Access
Key Highlights
- 4 RP per Rs 100 on all categories — strong reward rate
- 8 domestic lounge visits + 2 international per year
- Rs 10L personal accident + Rs 30L accidental insurance
- Fee waived at just Rs 50K annual spend
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