Card Details
RuPay Platinum Credit Card
Monzy Score
6/ 10
Decent for lounge-hungry travellers.
High 3.5% forex markup.
Card Issuer
Union Bank of India
Joining Fee
₹500
Annual Fee
₹500
Reward Type
—
Card Access
Standard
Earn Points
4pts
/₹100 on Dining
4pts
/₹100 on Grocery Stores
4pts
/₹100 on Departmental & Apparel Stores
1%
On Railway Bookings
Benefits
2 Domestic Lounge Visits/Quarter
- 2 Intl Lounge Visits/Year
Travel Insurance Included
- ₹2L Personal Accident Insurance
1% Cashback on Online Stores
1% Cashback on Railway Bookings
1% Fuel Surcharge Waiver ₹200-₹5000
1% Cashback on Groceries
24X7 Concierge Services
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel
Estimated Returns
All spends
2RP/100
₹150
Utility bill payment
flat 50/mo
₹50
Mobile wallet load
flat 50/mo
₹50
IRCTC bookings
25
₹25
Total Annual Return
₹3,300
0.92% Effective ROIWhat Users Are Saying
Community Feed
Jun 2026
“(22F) Benefits of Union Bank of India Platinum International”
by r/AskIndia, Jun 2026
“Rupay Select Debit Card Issuing Bank & Charges”
by r/CreditCardsIndia, Jul 2025
“Anyone Using Union Bank RuPay Select Credit Card”
by r/CreditCardsIndia, Aug 2025
“Best RuPay CC?”
by r/CreditCardsIndia, Jul 2024
“Union Bank Rupay Debit Card lounge access”
by r/CreditCardsIndia, Jan 2026
Frequently Asked Questions
The Rupay Platinum Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because Canara Bank prices some variants differently.
