Union Bank Platinum vs Union Bank RuPay Select
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Union Bank RuPay Select Credit Card wins 6 of 8 dimensions with a CardTrail Score of 8.2/10 vs 5.5/10.
| Feature | Union Bank Platinum | Union Bank RuPay Select |
|---|---|---|
| CardTrail Score | 5.5/10 | 8.2/10 |
| Annual Fee | ₹500 | ₹499 |
| Base Reward Rate | 0.25% | 4% |
| Max Reward Rate | 1% | 4% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 2 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | RuPay |
When to Choose Union Bank Platinum
- You can meet the fee waiver condition: Spend ₹50K/year
- Your primary spend is: beginners, cashback
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 1%
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: rewards, lounge-access, insurance
Annual Fee Value Analysis
To break even on Union Bank Platinum's ₹500 fee at 0.25% rewards, spend ₹16,667/month.
To break even on Union Bank RuPay Select's ₹499 fee at 4% rewards, spend ₹1,040/month.