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

  1. 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.
  2. Insurance for loss of card: Up to Rs.1.5 lakh
  3. 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:

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

Fuel benefits:

  1. 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.
  2. You can get a fuel surcharge waiver of up to Rs.100 each month.

Milestone benefits:

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

Insurance benefits:

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

Union Bank of India RuPay Select Credit Card Fees & Charges

Type of charge

Fee

Outstanding amount

Late payment 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

Up to Rs.25,000 - Rs.200

Over Rs.25,000 - Rs.500

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:

  1. The age of the add-on credit cardholder has to be 18 years or more.
  2. If you are a professional, you should be between 18 years and 70 years.
  3. You should have a minimum income of Rs.7.5 lakh per year.
  4. 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:

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

FAQs on Union Bank of India RuPay Select Credit Card

  • 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.

  • 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.

  • 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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