Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Union Bank RuPay Select Credit Card

    The Union Bank of India RuPay Select Credit Card allows you to avail discounts and cashback every time you swipe the credit card. The annual fee of the card is Rs.499.

    Key Highlights of the Union Bank of India RuPay Select Credit Card

    • You get a fuel surcharge waiver of 1% when you swipe the Union Bank of India RuPay Select Credit Card at any petrol station in India.
    • Insurance for loss of card: Up to Rs.1.5 lakh
    • If you spend Rs.50,000 or more in the previous year, the annual fee of Rs.499 will be waived off for the next year.

    Features and Benefits of the Union Bank RuPay Select Credit Card

    RuPay benefits:

    • You get merchant offers like cashbacks and discounts at restaurants.
    • You get cashback and discounts benefits when you pay your utility bills.

    Fuel benefits:

    • You get 1% waived off on the fuel surcharge when you buy fuel using the Union Bank of India RuPay Select Credit Card at any petrol station in India.
    • You can get a fuel surcharge waiver of up to Rs.100 each month.

    Milestone benefits:

    • The annual fee of Rs.499 will be waived off if you spend Rs.50,000 or more in the previous year.

    Insurance benefits:

    • Personal accidental coverage: Rs.10 lakh
    • Loss of card: Up to Rs.1.5 lakh

    Union Bank of India RuPay Select Credit Card Fees & Charges

    Type of charge Fee
    Joining fee NIL
    Annual fee Rs.499
    Annual fee for add-on credit cards Rs.399
    Fee to get an add-on credit card Rs.300
    Roll-over facility fee 5%
    Interest-free period 21 to 50 days
    Cash advance limit 30% of the limit that has been sanctioned by the bank
    Lost card charges NIL
    Replacement of lost credit card Rs.149
    Charge-slip request Rs.200
    Transactions fee at railways 1.5% + IRCTC charges
    Foreign currency mark-up fee 3%
    Temporary enhancement fee Rs.200 per occasion
    Fee for hotlisting a credit card Rs.200
    Withdrawal of cash from Union Bank of India ATMs 3% of the amount you withdraw or Rs.200 (whichever is higher)
    Withdrawal of cash from other banks' ATMs 3% of the amount you withdraw or Rs.200 (whichever is higher) + Rs.50
    Balance enquiry at Union Bank of India ATMs NIL
    Balance Enquiry at ATMs of other banks Rs.20
    Interest payable on cash advances 2.5% every month
    Service charge on revolving credit facility (if your Minimum Payment Due (MPD) has been paid by the due date) 2.5% per month or 34.49% (Annualised Percentage Rate)
    Service charge on revolving credit facility (if your Minimum Payment Due-MPD has not been paid by the due date) 2.95% per month or 41.75% (Annualised Percentage Rate)
    Overlimit fee 2.5% of the overlimit amount, subject to a minimum of Rs.250
    Duplicate statement (over 3 months) Rs.50 per statement
    Duplicate physical PIN mailer Rs.50 per occasion
    Processing fee 2% subject to a minimum of Rs.200 and a maximum amount of Rs.1,000
    Interest 16% per year (reducing balance method)
    Late payment fee
    Outstanding amount Late payment fee
    Up to Rs.25,000  Rs.200
    Over Rs.25,000 Rs.500

    Eligibility Criteria to Apply for the Union Bank of India RuPay Select Credit Card

    The following are the list of eligibility criteria you need to meet to apply for the Union Bank of India RuPay Select Credit Card:

    • The age of the add-on credit cardholder has to be 18 years or more.
    • If you are a professional, you should be between 18 years and 70 years.
    • You should have a minimum income of Rs.7.5 lakh per year.
    • If you are a salaried person, your age should be between 18 years and 60 years.

    Documents Required to Apply for Union Bank RuPay Select Credit Card

    These are the documents you have to submit to the bank when you apply for the Union Bank of India RuPay Select Credit Card:

    • Two passport-size photographs (colour)
    • Filled-up application form.
    • If you are a salaried person, you need to submit Form 16/ Income Tax Returns/latest (ITR) salary slip.
    • If you have your own business, you should submit your Income Tax Returns (ITR) of the past 2 years (along with computation sheets).
    • ID proof documents
    • Address proof documents
    • PAN card

    FAQs on Union Bank of India RuPay Select Credit Card

    1. What do I do if my credit card is lost?

      If you lose your Union Bank of India RuPay Select Credit Card, you have to immediately call the Union bank credit card customer care at 18004251515 (toll-free number) and report the loss of your card. Your credit card will then be blocked by the bank.

    2. How old should an applicant be to get an add-on credit card?

      The applicant has to be over 18 years of age to get an add-on credit card.

    3. What is the over limit fee for the credit card?

      2.5% of the overlimit amount, subject to a minimum of Rs.250.

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