Union Select RuPay Credit Card

The Union Select RuPay Credit Card stands out as a super-premium option from the Union Bank of India, providing an array of advantages. Beyond shopping and insurance perks, it extends exclusive travel benefits. Setting it apart from the Union Platinum RuPay Credit Card, this option comes with added advantages. Plus, seize the opportunity to acquire this credit card with no joining fee and a modest Rs. 499 renewal membership fee.

Key Highlights of Union Select RuPay Credit Card

Unlock unparalleled benefits with the Union Select RuPay Credit Card.

  1. No joining fee for the Union Select RuPay Credit Card.
  2. Earn 4 reward points per Rs. 100 spent.
  3. Get Rs. 50 cashback on utility bill payments.
  4. Earn Rs. 50 cashback with a minimum transaction of Rs. 500.
  5. Rs. 25 cashback on a minimum transaction of Rs. 300 on IRCTC website.
  6. Enjoy 4 complimentary lounge accesses, both domestic and international.
  7. Benefit from accidental air death cover and credit card lost cover.
  8. Exchange 1 reward point for Rs. 0.25.

Features and Benefits of Union Select RuPay Credit Card

The Union Select RuPay Credit Card offers several features and benefits:

1. Enjoy exclusive RuPay benefits:

  • Cashbacks and discounts at restaurants with merchant offers.
  • Discounts and cashback on utility bill payments.

2. Fuel benefits with Union Bank of India RuPay Select Credit Card:

  • 1% fuel surcharge waiver at any petrol station in India.
  • Monthly fuel surcharge waiver up to Rs.100.

3. Milestone benefits:

  • Spend Rs.50,000 or more in the previous year to waive the annual fee of Rs.499.

4. Insurance benefits:

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

Union Select RuPay Credit Card Fees and Charges

Explore the fee structure for the Union Select RuPay Credit Card and discover the financial advantages that come with it.

1. Outstanding Amount: No specified details available.
2. Late Payment Fee: Charged for overdue payments.
3. Joining Fee: None; it’s NIL.

4. Annual Fee:

  • Primary Credit Card: Rs.499.
  • Add-on Credit Cards: Rs.399.

5. Fee for Add-on Credit Card: Rs.300.
6. Roll-Over Facility Fee: 5% of the outstanding amount.
7. Interest-Free Period: 21 to 50 days.
8. Cash Advance Limit: 30% of the sanctioned limit.
9. Lost Card Charges: None; it’s NIL.
10. Replacement of Lost Credit Card: Rs.149.
11. Charge-Slip Request: Rs.200.
12. Transactions Fee at Railways: 1.5% + IRCTC charges.
13. Foreign Currency Mark-Up Fee: 3%.
14. Temporary Enhancement Fee: Rs.200 per occasion.
15. Fee for Hotlisting a Credit Card: Rs.200.
16. Withdrawal of Cash from Union Bank of India ATMs: 3% of the amount or Rs.200 (whichever is higher).
17. Withdrawal of Cash from Other Banks’ ATMs: 3% of the amount or Rs.200 (whichever is higher) + Rs.50.
18. Balance Enquiry at Union Bank of India ATMs: None; it’s NIL.

Eligibility Criteria for Union Select RuPay Credit Card

Here are essential criteria for applying for an Union Select RuPay Credit Card:

  1. Applicants must be at least 21 years old to be eligible.
  2. Eligibility extends to both salaried individuals and those who are self-employed, provided they have a reliable source of income.
  3. A prerequisite for approval is a satisfactory credit score, emphasizing the importance of financial responsibility.

Documents Required for Union Select RuPay Credit Card

To apply for the Union Select RuPay Credit Card, you will typically need to provide the following documents:

  1. Provide government-approved identity and address proof.
  2. Submit a copy of your PAN Card.
  3. Include a passport-size photograph of the applicant.
  4. For salaried individuals, present the latest 3 months’ salary slips.
  5. Salaried individuals can also provide the latest audited Income Tax Return (ITR) as income proof.
  6. Self-employed individuals should submit their latest Income Tax Return (ITR).

How to apply for Union Select RuPay Credit Card?

Follow these steps to apply for the Union Select RuPay Credit Card online or offline:

  1. Visit the nearest Union Bank branch to apply for the Union RuPay Select Credit Card.
  2. Complete a physical application form at the branch and bring all required documents.
  3. Online application is currently unavailable; physical submission is the current process.
  4. Ensure a thorough review of the card’s features and terms on Union Bank’s official website.

Frequently Asked Questions (FAQs)

1. What is the Union Select RuPay Credit Card?

The Union Select RuPay Credit Card is a credit card offered by Union Bank of India in collaboration with RuPay. It provides users with a range of features and benefits tailored to meet their financial needs.

2. How can I apply for the Union Select RuPay Credit Card?

To apply for the Union Select RuPay Credit Card, you can visit the official website of Union Bank of India or visit a nearby branch. The application process usually involves submitting necessary documents and meeting specific eligibility criteria.

3. What are the eligibility criteria for the Union Select RuPay Credit Card?

Eligibility criteria may vary, but generally, applicants should meet age requirements, have a stable income, and a good credit history. Specifics can be obtained from the bank or the official website.

4. What are the key features of the Union Select RuPay Credit Card?

The card offers features like cashback, reward points, travel benefits, and more. Check with Union Bank for the most current list of features and associated terms.

5. How can I check the status of my Union Select RuPay Credit Card application?

Applicants can usually check their application status online through the bank’s official website or by contacting the customer service helpline.

6. What is the credit limit on the Union Select RuPay Credit Card?

The credit limit is determined by the bank based on various factors, including income, credit history, and other financial considerations. Specifics can be discussed during the application process.

7. Can I link my Union Select RuPay Credit Card to mobile wallets or online payment platforms?

Yes, Union Select RuPay Credit Card can usually be linked to various digital wallets and online payment platforms for added convenience.

8. How do I redeem the reward points earned on my Union Select RuPay Credit Card?

Redemption options may include merchandise, gift vouchers, or discounts. Details about redemption methods and available rewards are typically provided by the bank.

9. What security features are in place for the Union Select RuPay Credit Card?

The card is likely to have security features such as EMV chip technology, PIN protection, and transaction alerts to enhance security and prevent unauthorized use.

10. What should I do if my Union Select RuPay Credit Card is lost or stolen?

In case of loss or theft, contact Union Bank’s customer service immediately to report the incident and request a card replacement. They will guide you through the necessary steps to secure your account.