info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Features of Union Bank RuPay Select Credit Card

  • Premium Reward Points System: One of the standout features of the Union Bank RuPay Select Credit Card is its rewarding points system. Cardholders earn 4 reward points for every ₹100 spent across various categories, including shopping, groceries, dining, departmental stores, and apparel. This high reward rate ensures that every transaction contributes significantly to your rewards balance, making it an excellent choice for regular spenders. The reward points can be redeemed for options such as gift vouchers, travel bookings, and bill payments.
  • Complimentary Lounge Access: The card offers 4 complimentary airport lounge visits per year. These include 2 domestic lounge visits per quarter and 2 international visits annually via the RuPay lounge program. Cardholders benefit from comfortable seating, free Wi-Fi, and refreshments during their travel.
  • Zero Joining Fee and Spend-Based Annual Fee Waiver: The card comes with no joining fee, making it accessible to new cardholders without an upfront cost. The annual fee of ₹499 + GST is waived if you spend ₹50,000 or more in the previous year, encouraging active usage. This spend-based waiver is achievable for most regular users, effectively making the card free to maintain for those who use it as their primary payment method. For instance, if you use the card for monthly expenses like groceries, dining, and fuel, reaching the ₹50,000 threshold is relatively easy, ensuring that you enjoy the card’s premium features without incurring annual fees.
Credit Card Promotion
    • Fuel Surcharge Waiver: The Union Bank RuPay Select Credit Card offers a 1% fuel surcharge waiver on fuel transactions at any petrol station in India, with a maximum waiver of ₹100 per month. This feature is ideal for individuals who frequently use their vehicles, as it helps reduce fuel expenses. For example, if you spend ₹10,000 on fuel in a month, you could save ₹100 on surcharges, which adds up over time. The waiver applies to transactions within a specific range (typically ₹400 to ₹4,000 per transaction), ensuring that most fuel purchases qualify.
    • Comprehensive Insurance Coverage: The card provides robust insurance benefits, enhancing its appeal for safety-conscious users. It includes personal accident insurance coverage of up to ₹10 lakh for air accidental death and up to ₹8 lakh for other accidental deaths. Additionally, cardholders receive card lost protection cover up to ₹1.5 lakh, which safeguards against unauthorized transactions in case the card is lost or stolen.
    • UPI Integration for Seamless Payments: The Union Bank RuPay Select Credit Card can be linked to UPI (Unified Payments Interface) for quick and secure merchant payments via QR code scanning. This feature aligns with the growing popularity of digital payments in India, allowing cardholders to make instant transactions at retail outlets, online platforms, and even small vendors.
    • Global Acceptance and Security: The card is powered by the RuPay network and accepted at over 39.3 million merchants and 1.88 million ATMs worldwide. EMV chip and PIN security, plus app-based control for international/contactless usage, offer high protection.
    • Flexible Payment Options: The card offers an interest-free credit period of 21 to 50 days, allowing cardholders to manage their expenses without incurring immediate interest charges. Additionally, it provides EMI (Equated Monthly Installment) facilities for large purchases, enabling cardholders to spread payments over time. This feature is particularly useful for significant expenses like electronics or travel bookings, making the card a versatile financial tool. Cardholders can choose to pay the total outstanding amount, the minimum due, or any amount in between, offering flexibility in managing cash flow. For example, a ₹50,000 purchase can be converted into affordable monthly installments, reducing financial strain.
    • Aadhaar-Enabled and Personalized: Aadhaar-enabled features simplify verification and application. The card can also be personalized with your name or design preference, enhancing user experience.
    • Merchant-Specific Offers: The card provides exclusive merchant-specific offers, including cashback and discounts on dining, shopping, and utility payments. For example, cardholders can earn up to ₹50 cashback per month on utility bill payments and ₹25 cashback on IRCTC transactions with a minimum spend of ₹300. These offers add value to everyday transactions, making the card a practical choice for regular expenses.
    • Online Management Tools: Union Bank offers a user-friendly online platform, including the Union Credit Card app, VYOM app, and the Union Bank Credit Card website (unioncards.unionbankofindia.co.in), for managing the card. Cardholders can view statements, track transactions, make payments, and enable/disable payment channels (POS, online, contactless) with ease. This digital integration ensures that managing the card is convenient and efficient.
    • Additional Features:
      Cashback on Mobile Wallet Transactions: Earn up to ₹50 cashback per month on a minimum transaction of ₹500 in mobile wallets.
      Contactless Payments: The card supports contactless transactions, allowing quick and secure payments at compatible terminals.
      Add-On Cards: Cardholders can gift add-on cards to family members (18+), with reward points credited to the primary cardholder’s account.
      24/7 Customer Support: Access Union Bank’s dedicated helpdesk at 1800 425 1515 for assistance with card-related queries or issues like lost cards or unauthorized transactions.
      These features collectively make the Union Bank RuPay Select Credit Card a versatile and rewarding option for individuals seeking a premium credit card with a balance of travel, shopping, and financial benefits.
Who We Are

Benefits of the Union Bank RuPay Select Credit Card

  • Enhanced Reward Points Accumulation: Earn 4 reward points per ₹100 spent across categories such as shopping, dining, groceries, and apparel. These points can be redeemed for merchandise, gift vouchers, travel bookings, or bill payments. For example, spending ₹1 lakh annually earns 4,000 points, equivalent to ₹1,000 in value (since 4 points = ₹1). There’s no cap on point accumulation, making it ideal for high spenders.
  • Travel Perks with Lounge Access: Enjoy 4 complimentary airport lounge accesses per year — 2 domestic lounges (1 per quarter) and 2 international lounges annually. Lounges offer amenities like free Wi-Fi, snacks, and seating. With access typically costing ₹1,000–₹2,000 per person, this feature can save frequent flyers up to ₹8,000 per year, especially for families. Eligible lounge lists are available on the RuPay website.
    • Fuel Surcharge Savings: The 1% fuel surcharge waiver (up to ₹100 per month) is a practical benefit for vehicle owners. With fuel prices fluctuating, this waiver helps reduce the cost of refueling.
    • Robust Insurance Protection: The card’s insurance benefits provide significant financial security:
    • ₹10 lakh air accidental death cover: Ensures financial support for the cardholder’s family in case of an air travel-related accident.
    • ₹8 lakh other accidental death cover: Covers accidents outside of air travel, offering broad protection.
    • ₹1.5 lakh card lost protection: Safeguards against unauthorized transactions if the card is lost or stolen, provided the loss is reported promptly.
    • UPI Convenience: UPI transactions are instant, secure, and widely accepted, allowing cardholders to pay for everything from groceries to utility bills with a simple QR code scan.
    • Cost-Effective Fee Structure: The zero joining fee makes the card accessible to new users, while the ₹499 + GST annual fee can be waived by spending ₹50,000 annually.
    • Global Usability: The card’s global acceptance at over 39.3 million merchants and 1.88 million ATMs, combined with EMV chip and PIN technology, ensures secure and convenient transactions worldwide.
    • Flexible Payment and EMI Options: The 21 to 50 days interest-free credit period allows cardholders to defer payments without incurring interest, provided the balance is paid in full by the due date.
    • Cashback on Everyday Transactions: Cardholders can earn:
    • Up to ₹50 cashback per month on utility bill payments, encouraging the use of the card for regular expenses like electricity or water bills.
    • Up to ₹50 cashback per month on mobile wallet transactions (minimum ₹500 per transaction).
    • ₹25 cashback on IRCTC transactions (minimum ₹300), ideal for frequent train travelers.
    • Digital Management Tools: The Union Credit Card app, VYOM app, and Union Bank Credit Card website offer a seamless way to manage the card. Cardholders can:
    • View and download statements. Track transactions in real-time. Make payments via UPI, net banking, or auto-debit. Enable/disable POS, online, or contactless transactions.
    • Additional Benefits:
    • Add-On Cards: Share the card’s benefits with family members (18+) through add-on cards, with all reward points credited to the primary account.
    • Merchant-Specific Discounts: Enjoy exclusive offers on dining, shopping, and travel through the RuPay network.
    • Contactless Payments: Make quick and secure payments at compatible terminals, ideal for small transactions.
    • 24/7 Customer Support: Access immediate assistance for issues like lost cards or unauthorized transactions via the toll-free number or email.
Check Best Gold Loan Offers

How to Apply for the Union Bank RuPay Select Credit Card

  • Step 1: Choose the Card Variant
    • Select a variant like the RuPay Select Credit Card based on your medical needs, such as hospital benefits, insurance, and credit limits.
  • Step 2: Gather Required Documents
    • Identity proof: Aadhaar card, PAN card, passport, etc.
    • Address proof: Utility bill, voter ID, or ration card.
    • Income proof: Latest salary slip/Form 16 (salaried) or ITRs for 2 years (self-employed).
    • Photograph and any medical proof (if required for offers).
  • Step 3: Online Application Process
    • Visit Union Bank Credit Card Portal.
    • Click “Apply Now” and choose the Medical Credit Card variant.
    • Fill in personal, contact, and income details.
    • Upload scanned copies of your documents and submit.
    • Bank representative will contact you for verification.
  • Step 4: Apply via Net Banking (for Existing Customers)
    • Log in to Union Bank Internet Banking.
    • Go to “Credit Card” section and click on “Apply for Credit Card.”
    • Choose the card type and submit the request with your customer ID and registered mobile number.
  • Step 5: In-Branch Application Process
    • Visit your nearest Union Bank of India branch.
    • Request a Medical Credit Card application form.
    • Fill the form, attach self-attested copies of documents, and submit at the counter.
    • The bank will forward it for verification and processing (usually within 7 working days).
  • Step 6: Application via Customer Care
    • Call Union Bank credit card customer care to start the process.
    • They will assist in selecting a card and guide you to apply online or at a branch.
  • Step 7: Application for Corporate Cards
    • Corporate applicants need a board resolution authorizing issuance.
    • Application must be signed by authorized signatories and submitted via corporate banking channel or in-branch.
  • Step 8: Verification and Approval
    • Bank verifies documents, credit score, and income.
    • Approval typically takes 7–10 working days if documents are valid.
  • Step 9: Card Delivery and Activation
    • Card is dispatched after approval and received within 10 days.
    • Activation Methods:
      • SMS: Send “CARDACKW XXXX” (last 4 digits of card) from registered mobile.
      • Call Union Bank customer care for activation.
      • Use Union Bank Credit Card portal or app to activate online.
  • Step 10: Tips for Smooth Approval
    • Ensure accuracy in all provided details and documents.
    • Check credit score in advance — aim for 750+ for faster approval.
    • Avoid multiple credit applications within a short time to reduce hard inquiries.

Eligibility Criteria for Union Bank RuPay Select Credit Card

  • Age Requirements:
  • Salaried Applicants: Must be between 18 and 60 years of age. This range ensures that salaried individuals are in their working years, with a stable income to support credit card payments.
  • Self-Employed Applicants: Must be between 18 and 70 years of age. The broader age range for self-employed individuals accommodates professionals and business owners who may continue working beyond typical retirement age.
  • Add-On Cardholders: Must be 18 years or older, allowing primary cardholders to share benefits with family members like spouses or children.
  • Credit Score and History:
  • A good credit score (typically above 750) is essential for approval. The bank assesses your credit history through credit bureaus like CIBIL, Experian, or Equifax to evaluate your repayment behavior.
  • A strong credit score indicates that you:
    • Pay credit card bills and loan EMIs on time.
    • Maintain a low credit utilization ratio (below 30%).
    • Have no recent defaults or late payments.
    • If your credit score is below 750, consider improving it by paying off existing debts, avoiding new credit applications, and maintaining timely payments for 6–12 months before applying.
    • Nationality and Residenc:
    • Applicants must be residents of India with a valid address proof.
    • Non-Resident Indians (NRIs) may apply, but they must meet additional requirements, such as maintaining an NRE/NRO account with Union Bank and providing relevant documentation.
    • The card’s Aadhaar-enabled feature simplifies verification for Indian residents with a valid Aadhaar card.
    • Employment Status:
    • Salaried Individuals: Must have a stable job with a reputable employer. The bank may consider the nature of employment (e.g., government, private sector, or PSU) and job tenure to assess stability.
    • Self-Employed Individuals: Must demonstrate a stable source of income through their business or profession. The bank may evaluate business vintage (e.g., at least 2 years of operation) and profitability.
    • Other Eligibility Factors:
    • Existing Relationship with Union Bank: Existing customers with a savings account, fixed deposit, or loan relationship may have an advantage, as the bank can assess their financial behavior directly.
    • Debt-to-Income Ratio (DTI): A low DTI (below 40%) indicates that you have sufficient income to cover credit card payments alongside other financial obligations.
    • Location: Applicants must reside in an area serviced by Union Bank branches or ATMs, ensuring easy access to banking services.
    • Tips to Meet Eligibility Criteria:
    • Improve Credit Score: Pay all bills and EMIs on time, reduce credit card balances, and avoid applying for multiple credit products simultaneously.
    • Increase Income Documentation: If your income is borderline, provide additional proof (e.g., bonuses, rental income) to strengthen your application.
    • Maintain Stable Employment: A consistent job or business history enhances your credibility as a borrower.
Check Best Gold Loan Offers

Documents Required for Union Bank RuPay Select Credit Card

  • Identity Proof:
    • Aadhaar Card: Preferred due to the card’s Aadhaar-enabled feature, simplifying verification.
    • Passport: Valid for both Indian residents and NRIs.
    • Voter ID: Widely accepted as a proof of identity.
    • Driving License: Must be valid and issued by the RTO.
    • PAN Card: Mandatory for financial transactions and tax purposes.
  • Address Proof:
    • Aadhaar Card: Can serve as both identity and address proof if the address is current.
    • Passport: Must reflect your current residential address.
    • Voter ID: Should match your current residence.
    • Utility Bills: Recent electricity, water, or gas bills (not older than 3 months).
    • Rental Agreement: If residing in a rented property, provide a registered agreement.
  • Income Proof:
    • Salaried Individuals:
      • Latest 3 months’ salary slips showing consistent income.
      • Form 16 or Income Tax Return (ITR) for the latest year.
      • Bank statements (last 3–6 months) reflecting salary credits.
    • Self-Employed Individuals:
      • Latest ITR for the past 2 years, along with computation sheets.
      • Audited financial statements or profit-and-loss statements for the business.
      • Bank statements (last 6 months) showing business transactions.
  • Application Form:
    • Personal details (name, date of birth, contact information).
    • Employment details (employer name, designation, income).
    • Financial details (existing loans, credit cards, income proof).
    • Aadhaar number (if applicable) for verification.
  • Additional Documents for NRIs:
    • NRE/NRO Account Statement: If applying as an NRI, provide account statements from your Union Bank NRE/NRO account.
    • Visa Copy: A valid visa reflecting your residency status.

Factors Affecting Union Bank RuPay Select Credit Card Application

  • Credit Score: Ideal score above 750 with timely repayments, low utilization, and no recent defaults. Score below 700 risks rejection.
  • Income Stability: Minimum ₹7.5 lakh annual income verified by salary slips, ITRs, or bank statements.
  • Debt-to-Income Ratio (DTI): Should be below 40%. For example, ₹20,000 debt on ₹62,500 income = 32% DTI.
  • Employment and Business Profile: Salaried employees with reputable employers or self-employed with 2+ years profitable business preferred.
  • Existing Relationship with Union Bank: Holding accounts or deposits shows financial discipline and improves chances.
  • Credit Utilization Ratio: Ideally below 30% on current credit lines.
  • Application Accuracy: Ensure all info is correct and documents are valid.
  • Other Factors: Location near bank branches, clean credit history, and limited recent credit inquiries also matter.
  • Age Criteria: Applicants typically between 21 and 60 years old have higher approval chances.
  • Repayment History: Consistent on-time payment of existing loans and credit cards positively impacts approval.
  • Loan and Credit Card History: Multiple existing loans or credit cards may reduce approval likelihood.
  • Bank Account Activity: Regular transaction activity and salary credits in Union Bank accounts help build trust.
  • Co-applicant or Guarantor: Providing a co-applicant or guarantor with strong credit may improve approval chances.
  • Purpose of Credit Card: Clear indication of genuine need and financial capacity helps in evaluation.
  • Document Completeness: Submission of all required, valid, and self-attested documents is critical.
  • Existing Bank Relationship Tenure: Longer association with Union Bank increases reliability in the bank's eyes.
  • Address Stability: Staying at the same address for more than 2 years is a positive factor.
  • Social and Professional Status: Higher social and professional standing or membership in certain organizations may favor approval.

Frequently Asked Questions (FAQs) – Union Bank RuPay Select Credit Card

1. What is the Union Bank RuPay Select Credit Card?
The Union Bank RuPay Select Credit Card is a super-premium credit card offered by Union Bank of India, designed for frequent travelers and everyday spenders. It provides exclusive benefits like 4 reward points per ₹100 spent, 4 complimentary lounge accesses annually (2 domestic per quarter, 2 international), a 1% fuel surcharge waiver (up to ₹100/month), and comprehensive insurance coverage, including up to ₹10 lakh for air accidental death and ₹1.5 lakh for card loss protection. The card is Aadhaar-enabled and supports UPI transactions for seamless payments.
2. What are the key features of the Union Bank RuPay Select Credit Card?
The card offers 4 reward points for every ₹100 spent across categories like shopping, dining, and groceries, with no cap on points earned. It includes 2 complimentary domestic lounge visits per quarter and 2 international lounge visits annually. Cardholders get a 1% fuel surcharge waiver (up to ₹100/month), personal accident insurance (₹10 lakh for air accidents, ₹8 lakh for other accidents), and card loss protection up to ₹1.5 lakh. Additional features include UPI integration and EMV chip security.
3. What are the benefits of using this credit card?
Cardholders earn 4 reward points per ₹100 spent, redeemable for gift vouchers, travel, or bill payments. Travel benefits include 4 complimentary lounge accesses annually, saving up to ₹8,000 for a family of four. The 1% fuel surcharge waiver saves up to ₹100/month, and insurance coverage provides financial security (₹10 lakh air accident, ₹8 lakh other accidents, ₹1.5 lakh card loss protection). Cashback offers include ₹50/month on utility bills and mobile wallet transactions, and ₹25 on IRCTC spends. The annual fee of ₹499 + GST is waived with ₹50,000 annual spend.
4. Who is eligible to apply for the Union Bank RuPay Select Credit Card?
Salaried individuals aged 18–60 years or self-employed professionals aged 18–70 years are eligible. Applicants must have a minimum annual income of ₹7.5 lakh and a good credit score (preferably above 750). Indian residents with valid address proof qualify, and NRIs may apply with additional documentation like NRE/NRO account statements. Add-on cardholders must be 18 or older. Existing Union Bank customers may have an advantage.
5. What documents are required to apply for the card?
You need a filled application form, identity proof (Aadhaar, passport, voter ID, driving license, PAN card), address proof (Aadhaar, passport, utility bill, rental agreement), and income proof (latest 3 months’ salary slips or Form 16 for salaried; ITR for the past 2 years with computation sheets for self-employed). One recent passport-size photograph is also required. NRIs must submit NRE/NRO account statements and visa copies. All documents should be self-attested.
6. How can I apply for the Union Bank RuPay Select Credit Card?
Visit a Union Bank of India branch with the required documents and a completed application form. Fill out the form accurately, submit self-attested documents, and undergo verification, which takes 7–10 working days. Existing customers may initiate applications via net banking, but document submission requires a branch visit. Track your application status via customer care or email. Upon approval, the card is dispatched within 10 working days.
7. Is there an online application process for the card?
Currently, Union Bank does not offer a fully online application process for the RuPay Select Credit Card. You must visit a branch to submit the application form and documents. Existing customers can explore net banking for pre-approved offers, but physical document submission is mandatory. Check the Union Bank website (unioncards.unionbankofindia.co.in) for updates on online application availability.
8. What is the annual fee for the card, and can it be waived?
The card has no joining fee and an annual fee of ₹499 + GST. The annual fee is waived if you spend ₹50,000 or more in the previous year. For example, monthly expenses of ₹4,200 on groceries, dining, or fuel can easily meet this threshold, making the card cost-free to maintain for active users.
9. How do I earn reward points, and what are they worth?
You earn 4 reward points for every ₹100 spent on shopping, dining, groceries, apparel, and other eligible categories, including UPI transactions. There’s no cap on points earned. Four reward points are equivalent to ₹1, so spending ₹1 lakh annually earns 4,000 points (₹1,000 value). Points can be redeemed for gift vouchers, movie tickets, air/bus tickets, or credit card bill payments via the Union Bank Credit Card portal or app.
10. How can I redeem my reward points?
Redeem reward points through the Union Bank Credit Card website (unioncards.unionbankofindia.co.in), Union Credit Card app, or VYOM app. Options include merchandise, gift vouchers, travel bookings (air/bus tickets), movie tickets, or credit card bill payments. Log in, check your points balance, and select your preferred redemption option. Ensure your registered mobile number and email are updated for seamless redemption.
11. What are the lounge access benefits?
The card offers 4 complimentary lounge accesses per year: 2 domestic lounge visits per quarter and 2 international lounge visits annually. These provide access to amenities like free Wi-Fi, refreshments, and comfortable seating at participating RuPay network lounges. Check the list of eligible lounges on www.rupay.co.in. This benefit can save up to ₹1,000–₹2,000 per visit, ideal for frequent travelers.
12. How does the fuel surcharge waiver work?
You get a 1% fuel surcharge waiver on transactions at any petrol station in India, capped at ₹100 per month. Eligible transactions typically range from ₹400 to ₹4,000. For example, spending ₹5,000 on fuel monthly saves ₹50, totaling ₹600 annually. The waiver is automatically applied at the point of sale, reducing refueling costs for vehicle owners.
13. What insurance coverage does the card provide?
The card includes personal accident insurance of ₹10 lakh for air accidental death and ₹8 lakh for other accidental deaths. It also offers ₹1.5 lakh card loss protection for unauthorized transactions if reported promptly. These benefits are provided at no extra cost, offering financial security for cardholders and their families, especially during travel.
14. Can I link the card to UPI for payments?
Yes, the card can be linked to UPI apps like BHIM, PhonePe, Paytm, or Union Bank’s VYOM app for quick merchant payments via QR code scanning. The card statement includes a QR code and Virtual Payment Address (VPA) for easy bill payments. To link, select Union Bank as the issuer, enter the last 6 digits of your card and expiry date, and set a UPI PIN.
15. What is the foreign currency markup fee?
The card charges a 3% foreign currency markup fee on international transactions, which is competitive compared to other premium cards. You can enable or disable international transactions via the Union Credit Card app, VYOM app, or website, ensuring control over overseas usage. Always check exchange rates before making international purchases.

List of Union Bank RuPay Select Credit Card Branches in Telangana

  • Telangana - Karimnagar
  • Khammam - Kothagudem
  • Khammam - Bhadrachalam
  • Khammam - Madhira
  • Khammam - Palair
  • Adilabad - Mancherial
  • Adilabad - Nirmal
  • Adilabad - Bellampalli
  • Adilabad - Mudhol
  • Telangana - Adilabad
  • Mahbubnagar - Gadwal
  • Mahbubnagar - Wanaparthy
  • Mahbubnagar - Nagarkurnool
  • Mahbubnagar - Jadcherla
  • Telangana - Mahbubnagar
  • Nalgonda - Bhongir
  • Nalgonda - Suryapet
  • Nalgonda - Miryalguda
  • Nalgonda - Huzurnagar
  • Telangana - Khammam