IDBI Winnings vs Union Bank RuPay Select
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDBI Winnings Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.4/10 vs 8.2/10.
| Feature | IDBI Winnings | Union Bank RuPay Select |
|---|---|---|
| CardTrail Score | 8.4/10 | 8.2/10 |
| Annual Fee | ₹899 | ₹499 |
| Base Reward Rate | 2% | 4% |
| Max Reward Rate | 2% | 4% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 2 |
| International Lounges | 4 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | RuPay |
When to Choose IDBI Winnings
- You can meet the fee waiver condition: Spend Rs 90K/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: lounge, rewards, rupay
When to Choose Union Bank RuPay Select
- You can meet the fee waiver condition: Spend Rs 50K/year
- You want higher rewards — up to 4% vs 2%
- Your primary spend is: rewards, lounge-access, insurance
Annual Fee Value Analysis
To break even on IDBI Winnings's ₹899 fee at 2% rewards, spend ₹3,746/month.
To break even on Union Bank RuPay Select's ₹499 fee at 4% rewards, spend ₹1,040/month.