Union Bank of India Rupay Select Credit Card
Updated on September 1, 2026

🎖️Reward Rate
2 Union Rewardz Points per ₹100 spent on all retail shopping and dining
Overview
Unlock exclusive rewards and benefits with the RuPay Select Credit Card. Enjoy premium privileges and enhance your financial journey. Apply now for a superior credit card experience!
Rewards
Reward Type
Reward Points
Reward Rate
2 Union Rewardz Points per ₹100 spent on all retail shopping and dining
Welcome Benefit
Zero joining fee + complimentary RuPay Select wellness benefits package (health checkup, gym passes, and spa session).
Milestone Benefit
100% annual fee waiver of ₹499 on achieving ₹50,000 annual retail spends
Redemption
Redeem on Union Rewardz portal for brand vouchers, flight tickets, and merchandise (1 Point = ₹0.25)
Benefits
- Domestic Lounge: 8 visits per year (2 per quarter) visits
- International Lounge: 4 visits per year (2 per half year) visits
- RuPay Credit on UPI Scan & Pay: Link your Union Bank Select card to Vyom, GPay, PhonePe, and Paytm for merchant QR payments on credit.
- ₹10 Lakhs Accidental Insurance Cover: Complimentary air and road accidental death insurance cover up to ₹10 Lakhs.
Things to Know Before you apply
Union Bank of India Rupay Select Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried or Self-Employed with minimum annual income of ₹5,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | ₹499 |
| Foreign Currency Mark-up Fee | 3% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹300) |
Fee waiver: Spend ₹50,000 or more in preceding year for 100% annual renewal fee waiver.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The RuPay Select Credit Card - Exclusive Rewards and Benefits issued by Union Bank of India is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • Zero joining fee + complimentary RuPay Select wellness benefits package (health checkup, gym passes, and spa session).
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
- • 2 Union Rewardz Points per ₹100 spent on all retail shopping and dining
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified

