Union Bank RuPay Select vs Union Bank Visa Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Union Bank RuPay Select Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.2/10 vs 7.1/10.
| Feature | Union Bank RuPay Select | Union Bank Visa Signature |
|---|---|---|
| CardTrail Score | 8.2/10 | 7.1/10 |
| Annual Fee | ₹499 | ₹250 |
| Base Reward Rate | 4% | 0.5% |
| Max Reward Rate | 4% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 2 | 2 |
| International Lounges | 2 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa Signature |
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
When to Choose Union Bank Visa Signature
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: general, rewards
Annual Fee Value Analysis
To break even on Union Bank RuPay Select's ₹499 fee at 4% rewards, spend ₹1,040/month.
To break even on Union Bank Visa Signature's ₹250 fee at 0.5% rewards, spend ₹4,167/month.