Union Bank of India RuPay Select Credit Card: Make Every Swipe Rewarding

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

23 Jun 26
3 mins

Shreyansh Singh

08 Mins
23-06-26

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Table of Contents

Union Bank of India RuPay Select Credit Card Benefits
Union Bank of India RuPay Select Credit Card Charges

Zero joining fee and ₹550 annual fee.
Enjoy 8 domestic and 2 international lounge visits annually.
Fuel surcharge waiver 1% up to ₹100 per cycle.
Accidental insurance cover includes ₹10 lakh protection.
Annual fee waiver possible after ₹50,000 yearly spending.

The Union Bank of India RuPay Select Credit Card combines everyday convenience with travel-friendly benefits. It is widely accepted at merchant outlets and online platforms worldwide and uses secure chip and PIN technology for safer transactions.

Cardholders earn 4 reward points for every ₹100 spent, along with benefits such as fuel surcharge waiver, insurance coverage, and lounge access. The card has no joining fee, while the annual fee for the primary card is ₹550.

Continue reading to know more about such features of this credit card!

Union Bank of India RuPay Select Credit Card Benefits

The Union Bank RuPay Select Card offers several useful lifestyle and travel benefits. For example, cardholders receive a 1% fuel surcharge waiver up to ₹100 per billing cycle.

In addition to this benefit, the card also provides multiple additional features for everyday convenience.

Accident Insurance Cover

The card includes ₹10 lakh accidental insurance coverage, with an additional ₹30 lakh cover available under the program terms.

Airport Lounge Access

Enjoy Union Bank of India RuPay Select Credit Card lounge access with 8 complimentary domestic visits yearly and 2 international lounge visits annually.

Add-on Cards for Family

Primary cardholders can request up to 3 add-on cards for eligible family members, such as spouse, parents, or children.

UPI Payment Convenience

The RuPay Select credit card can be linked to UPI apps for merchant Scan and Pay transactions, making everyday payments simple and quick.

Union Bank of India RuPay Select Credit Card Charges

Service charges depend on whether the minimum payment due is paid on time. Rates range from 2.50% to 2.95% per month (30%–35.4% annually).

Other applicable charges are listed below:

Parameters	Charges
Card Replacement Charges	₹249
Cheque Return Charges	₹250
Overlimit Charges	2.5% (min. ₹250)
Cash Withdrawal Charges	Union Bank ATM: 3% or min. ₹200Other ATMs: 3% or min. ₹250
Late Payment Charges	Dues up to ₹25,000: ₹200Dues above ₹25,000: ₹500

💡Avoid late payment charges by setting monthly payment reminders on the Pice app. Also, pay your credit card bills by selecting your credit card, entering your details, and confirming the amount. Install the Pice app today.

Footnotes:

For assistance, contact the Union Bank of India RuPay Select Credit Card contact number through toll-free lines 1800-2333, 1800-208-2244, 1800-425-1515, or 1800-425-3555.
The annual fee for Union Bank RuPay Select add-on cards is ₹450, applicable to supplementary cards issued for eligible family members.

FAQs

Is there an annual fee waiver on the Union Bank RuPay Select card?

The annual fee is waived if the total spending on the RuPay Select credit card reaches ₹50,000 within the previous 12 months from the card issuance date.

How long are RuPay Select reward points valid?

Reward points remain valid for 12 months from the transaction month. However, redemption becomes available only after 45 days from the accrual date.

When are RuPay Select credit card bills generated?

Credit card statements are generated on the 10th or 25th of each month, depending on the billing cycle. The payment due date is 20 days from the statement date.