Union Bank’s Rupay Combo Debit Cum Credit Card

Union Bank’s Rupay Combo Debit Cum Credit Card seamlessly combines the advantages of both debit and credit cards. You have the flexibility to alternate between them based on your needs. This card features distinct card numbers, magnetic strips, chips, and CVV numbers. Enjoy up to 4 complimentary lounge accesses annually. Additionally, earn cashback on utility bill payments and dining with this versatile credit card.

Key Highlights of Union Bank’s Rupay Combo Debit Cum Credit Card

Unlock unparalleled benefits with the Union Bank’s Rupay Combo Debit Cum Credit Card.

  1. Enjoy free entry to lounges worldwide, both domestic and international.
  2. Earn cashback for utility bills and dining with the Select Rupay card.
  3. Benefit from a personal insurance cover of Rs 20 lakhs.
  4. Get a 1% surcharge waiver on all fuel transactions.
  5. Access exclusive offers from various merchants.
  6. Avail 24×7 concierge services for personalized assistance.

Features and Benefits of Union Bank’s Rupay Combo Debit Cum Credit Card

The Union Bank’s Rupay Combo Debit Cum Credit Card offers several features and benefits:

1. Lounge Access:

  • Enjoy complimentary access to domestic and international lounges with your Union Bank Rupay Combo Debit Cum Credit Card.
  • Avail up to 4 complimentary lounge visits annually.

2. Cashback Offers:

  • Earn cashback on utility bill payments and dining with the Select Rupay card.
  • Receive Rs 50 cashback per card on utility bill payments (maximum Rs 50 per card).
  • Get Rs 50 cashback per card on mobile wallet payments (minimum transaction of Rs 500).
  • Additionally, earn Rs 25 cashback on transactions of Rs 300 or more.

3. Insurance Benefits:

  • Benefit from a personal insurance cover of Rs 20 lakhs on the credit card.
  • Debit cards offer insurance coverage worth Rs 4 lakhs.

4. Other Benefits:

  • Enjoy a 1% surcharge waiver on fuel transactions, with a maximum monthly discount of Rs 75 per card.
  • Applicable to fuel transactions between Rs 400 to Rs 4000 made using the card.
  • Access exclusive merchant offers and discounts.
  • 24×7 Concierge Services available for added convenience.

Union Bank’s Rupay Combo Debit Cum Credit Card Fees and Charges

Explore the fee structure for the Union Bank’s Rupay Combo Debit Cum Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: Rs 200 + GST
  2. Renewal Fee: Nil
  3. Spend Based Waiver: NA
  4. Rewards Redemption Fee: Nil
  5. Foreign Currency Markup: NA
  6. Interest Rates: 1.90% per month (22.8% per annum)
  7. Fuel Surcharge: 1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000
  8. Cash Advance Charges: 2.5% on the withdrawal amount with a minimum charge of Rs 100
  9. Add-on Card Fee: Nil

Documents Required for Union Bank’s Rupay Combo Debit Cum Credit Card

To apply for the Union Bank’s Rupay Combo Debit Cum Credit Card, you will typically need to provide the following documents:

1. Proof of Address:

  • Essential documents include Aadhar card, Passport, and Driver License.

2. Proof of Identity:

  • Necessary documentation comprises Aadhar card, PAN card, Passport, and Voter ID.

3. Proof of Income:

  • Mandatory documents encompass previous salary slips, IT returns, and Form-16 for verification.

How to apply for Union Bank’s Rupay Combo Debit Cum Credit Card

Follow these steps to apply for the Union Bank’s Rupay Combo Debit Cum Credit Card online:

  1. Application Process: Obtain Union Bank’s Rupay Combo Debit Cum Credit Card by completing an application form.
  2. Submission: Submit the filled form and necessary documents to your nearest Union Bank of India branch.
  3. Convenience: This streamlined process ensures ease in applying for the card.

Frequently Asked Questions (FAQs)

1. What is the Union Bank Rupay Combo Debit Cum Credit Card?

The Union Bank Rupay Combo Card is a unique card that functions as both a debit and credit card. It is powered by the Rupay network and offers the convenience of two cards in one.

2. How does the Combo Card work?

The card works as a debit card when used with the available balance in your savings or current account. It can also function as a credit card when you opt for credit facility, allowing you to make purchases within the approved credit limit.

3. What are the benefits of the Rupay Combo Card?

The card offers a range of benefits, including the flexibility of using it as both a debit and credit card. It provides reward points, discounts, and cashback offers on various transactions. Additionally, it eliminates the need to carry multiple cards.

4. How can I apply for the Rupay Combo Card?

You can apply for the card through Union Bank’s official website, by visiting a branch, or by contacting the customer service. Ensure you meet the eligibility criteria and provide the necessary documents for a smooth application process.

5. What is the credit limit on the Rupay Combo Credit Card?

The credit limit is determined based on your creditworthiness, income, and other relevant factors. Union Bank will communicate the approved credit limit to you once your application is processed.

6. How can I check my Rupay Combo Card balance and transactions?

You can check your card balance and transactions through Union Bank’s internet banking, mobile banking app, or by visiting an ATM. Monthly statements are also provided for credit card transactions.

7. Is there an annual fee for the Rupay Combo Card?

Union Bank may charge an annual fee for the Combo Card. Check the terms and conditions or contact customer service to get information about any applicable fees.

8. Can I convert a purchase made with the debit feature into EMI?

Yes, Union Bank provides the option to convert specific transactions made using the debit feature into Equated Monthly Installments (EMI). Contact customer service for more details.

9. What security features does the Rupay Combo Card offer?

The card comes with advanced security features such as EMV chip technology, PIN protection, and transaction alerts. Union Bank also provides insurance coverage for certain risks associated with card usage.

10. What should I do if my Rupay Combo Card is lost or stolen?

In case of loss or theft, immediately contact Union Bank’s customer service to report the incident. They will guide you through the process of blocking the card and issuing a replacement for your security.