Union Select RuPay Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

There is no joining fee for the Union Select RuPay Credit Card. For every Rs. 100 spent using this card, you can earn 4 reward points. When you make utility bill payments, you can earn a cashback of Rs. 50. For a minimum transaction of Rs. 500, you can earn a cashback of Rs. 50. If you spend a minimum of Rs. 300 on the IRCTC website, you can earn a cashback of Rs. 25. You will receive 4 complimentary domestic and international lounge access. This card provides coverage for accidental air death and credit card loss. One reward point is equivalent to Rs. 0.25.

The Union Select RuPay Credit Card is an excellent choice for shopping enthusiasts.

With a joining fee of Nil and a renewal fee of Rs. 499 + GST, this card offers great rewards and benefits for its users.

When it comes to rewards, this card offers Reward Points as the reward type.

Users can earn 4 reward points on every Rs. 100 spent on this card.

These reward points can be redeemed for various exciting gifts and offers.

While the welcome benefit and movie dining offers are not available with this card, it does provide cashback benefits on utility bill payments and mobile wallet transactions.

Users can earn a maximum of Rs. 50 cashback per month on utility bill payment and a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in their mobile wallet.

Additionally, users can also earn a cashback of Rs. 25 on spending a minimum of Rs. 300 on IRCTC transactions.

For those who love to travel, this card provides a complimentary lounge program, along with 4 complimentary domestic and international lounge access.

These benefits ensure a comfortable and luxurious travel experience.

Furthermore, this card offers insurance benefits, including coverage for accidental air death up to Rs. 10 lakhs and other accidental death up to Rs. 8 lakhs.

This provides users with added security and peace of mind.

The renewal fee for this card can be waived off on spending Rs. 50,000 in the previous year, making it a convenient choice for frequent card users.

In terms of fees, this card has no rewards redemption fee.

However, there is a 3% foreign currency markup on the conversion amount.

The interest rate is 2.95% per month (41.75% per annum), which is a standard rate for credit cards.

Other benefits of this card include a fuel surcharge waiver of 1% on fuel transactions, with a maximum fuel surcharge capped at Rs. 100 per month.

The cash advance fee is 3% or Rs. 200 (whichever is higher), enabling users to access cash when needed.

Overall, the Union Select RuPay Credit Card is a valuable credit card option for shopping enthusiasts.

With its reward points, cashback offers, travel benefits, and insurance coverage, it provides a comprehensive package of benefits.

The card's renewal fee waiver and fuel surcharge waiver are additional advantages.