Card Details
RuPay Select Credit Card
Monzy Score
6.5/ 10
Good for lounge-hungry travellers.
High 3.0% forex markup.
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)
1%
Fuel surcharge waiver
Benefits
8 domestic + 2 international lounge visits per…
- Complimentary domestic and international lounge access
- 8 domestic lounge visits per year (2 per quarter)
- 2 international lounge visits per year
4 reward points per ₹100 spent
- Accelerated reward points on every spend
- 4 points per ₹100 spent
- Each point equals ₹0.25
₹10L accident cover + additional ₹30L option
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel
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 ROIWhat Users Are Saying
Community Feed
Aug 2025
“Anyone Using Union Bank RuPay Select Credit Card”
by r/CreditCardsIndia, Aug 2025
“Rupay select debit card benifits”
by r/CreditCardsIndia, Nov 2025
“Thanks to Rupay Select”
by r/CreditCardsIndia, Jul 2025
“Rupay Select Debit Card Issuing Bank & Charges”
by r/CreditCardsIndia, Jul 2025
“Best RuPay CC?”
by r/CreditCardsIndia, Jul 2024
Frequently Asked Questions
The Rupay Select 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.
Things 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.
