Card Details
RuPay Select Credit Card
UNIONRUPAY
Card Issuer
Union Bank of India
Joining Fee
Zero
Annual Fee
₹550
Reward Type
Reward Points
Card Access
Standard
Earn Points
4 Pts/₹100
On all retail spends (1 point = ₹0.25)
Benefits
Shopping
4 reward points per ₹100 spent
- Accelerated reward points on every spend
- 4 points per ₹100 spent
- Each point equals ₹0.25
Lounges
8 domestic + 2 international lounge visits per…
Insurance
₹10L accident cover + additional ₹30L option
Fuel
1% fuel surcharge waiver up to ₹100
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel
Min: ₹5,000Max: ₹2,00,000
Estimated Returns
All spends
4RP/100
₹300
Utility bill payment
flat 50/mo
₹50
Mobile wallet load
flat 50/mo
₹50
IRCTC bookings
25
₹25
Total Annual Return
₹5,100
1.42% Effective ROIThings to Keep in Mind
The reward structure is point-based (2 points per ₹100), which obscures the low effective cashback of 0.5%.
Reward points are credited only on transactions of ₹100 and above.
