Union Bank of India RuPay Select Credit Card
Union Bank of India · Open to apply
A RuPay Select card that works on UPI: no joining fee, 4 reward points (₹1) per ₹100 spent, 2 domestic lounge visits a quarter and 2 international a year, and a ₹550 annual fee from the second year that is waived on ₹50,000 of spend in the previous year.
- Annual fee
- ₹550 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 4 reward points per ₹100 spent: 4 Union Rewardz points per ₹100 (about 1% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 2 visits a calendar year
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Where the sources disagree
- add-on card annual fee: The MITC and Key Fact Statement give ₹450 for an add-on RuPay Select card; the card portal's fees page lists a flat ₹300 for add-on cards. The MITC is used.
- minimum age of salaried applicants: The bank's product page says 21 to 65 for any individual; the card portal's eligibility page says "18 years to 65 years for salaried and 21 years to 65 years for professionals". The product page is used.
Terms the calculator does not value
- RuPay network offers and Union Bank's seasonal merchant offers are not modelled.
- The cash withdrawal limit is 40% of the card limit. Union Bank publishes no list of merchant categories excluded from rewards for this card and no point expiry.
Sources
- Union Bank of India, Union Bank of India RuPay Select Credit Card (Product page, the bank's own, read 6 Nov 2026)
- Union Bank of India credit card portal, Select card pages (features, fees and charges, eligibility) (Product page, the bank's own, read 6 Nov 2026)
- Union Bank of India, MITC – Credit Cards, version 1.4 (effective 25 Sep 2025; PDF of 21 Apr 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Union Bank of India, Key Fact Statement – Credit Cards, version 1.4 (PDF of 22 Apr 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)