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Credit Cards · India

Union Bank RuPay Select Credit Card

Updated 4 Jul 2026Source-linked

The Union Bank RuPay Select Credit Card is a mid credit card from Union Bank of India, with a joining fee of ₹750 + GST.

Cardholders get 2 quarterly domestic + 2 annual international airport lounge access.

Union
Union Bank RuPay Select Credit Card
RuPay logo
  • Joining FeeFree
  • Annual Fee₹750
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • Base rate 0.72%
Welcome Benefits
  • Not applicable
Data verified 4 Jul 2026 — see our methodology
Union Bank of IndiaRuPay logoselectmid
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Rewards and Benefits

Rewards Rate
Base 0.72% on other spends.
Reward Redemption
Union Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.7% = ₹108/mo
  • Groceries₹8,000 · 0.7% = ₹58/mo
  • Dining & food delivery₹8,000 · 0.7% = ₹58/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.7% = ₹72/mo
  • Utilities & bills₹5,000 · 0.7% = ₹36/mo
Est.net rewards for this spend, realistic
₹3,974/yr

₹3,974 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹75,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
2.50% per month (30.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.
Cash Advance Charges
3.0% or ₹300 (whichever is higher)

Product Details

  • mid card issued by Union Bank of India.
  • Joining / annual fee of ₹750 + GST, waived on annual spends of ₹75,000.
  • Available on the RuPay network.
  • Complimentary airport lounge access: domestic (2/quarterly) + international (2/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹75,000 spend.
  • Complimentary international airport lounge access.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
2 visit(s) / quarterly. Via rupay.
International
2 visit(s) / annual. Via rupay.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹100 per monthly.

Sources

Last verified 4 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–70
Credit score
720+
Income (salaried)
₹7,50,000 p.a.
Income (self-employed)
₹7,50,000 p.a.
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