Union Bank of IndiaUnion Bank Rupay Combo Debit Cum Credit Card – Benefits, Fees & Eligibility
Is the Union Bank Rupay Combo Debit Cum Credit Card Right for You?
The Union Bank Rupay Combo Debit Cum Credit Card is best suited for users who prioritize Dining, Utilities, Travel. With a joining fee of ₹200 + GST and a renewal fee of Free (1st year), this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Cashback as its primary reward mechanism, with a rewards rate of Cashback on dining (Rs 25 on Rs 300+), utility bills, and mobile wallet payments (Rs 50 on Rs 500+)..
Key Card Details
₹200 + GST
Free (1st year)
Cashback
Cashback on dining (Rs 25 on Rs 300+), utility bills, and mobile wallet payments (Rs 50 on Rs 500+).
1.90% per month (22.8% per annum)
Notable Perks
Domestic Lounge Access
Complimentary access to domestic lounges. Maximum 4 accesses per year.
International Lounge Access
Complimentary access to international lounges. Maximum 4 accesses per year.
Insurance Coverage
Personal insurance cover worth Rs 20 lakhs (credit card) and Rs 4 lakhs (debit card).
Dining Benefits
Exclusive cashback on Dining spends: Rs 25 for a minimum transaction of Rs 300.
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000.
Things to Consider
A joining fee of Rs 200 + GST is applicable upon card issuance.
Cashback benefits are capped and specific, limiting overall reward potential.
High cash advance charges make emergency withdrawals quite expensive.
Benefits & Features
Rewards Rate
Cashback on dining (Rs 25 on Rs 300+), utility bills, and mobile wallet payments (Rs 50 on Rs 500+).
Reward Type
Cashback
Reward Redemption
Cashback is automatically applied on eligible dining, utility, and mobile wallet transactions.
Domestic Lounge Access
Complimentary access to domestic lounges. Maximum 4 accesses per year.
International Lounge Access
Complimentary access to international lounges. Maximum 4 accesses per year.
Insurance Coverage
Personal insurance cover worth Rs 20 lakhs (credit card) and Rs 4 lakhs (debit card).
Dining Benefits
Exclusive cashback on Dining spends: Rs 25 for a minimum transaction of Rs 300.
Travel Benefits
24×7 Concierge Services and exclusive merchant offers.
Card Network
RuPay
Fees & Charges
Joining Fee
₹200 + GST
Renewal Fee
Free (1st year)
Interest Rates
1.90% per month (22.8% per annum)
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000.
Cash Advance Charges
2.5% on the withdrawal amount, subject to a minimum charge of Rs 100. For overseas withdrawals, the minimum charge is Rs 125.
Rewards Redemption Fee
Nil
Pros & Cons
Pros
Key benefits and features of this card.
Offers unique dual functionality as both a debit and credit card for flexibility.
Provides complimentary domestic and international lounge access annually.
Includes substantial personal insurance cover up to Rs 20 lakhs for credit card.
Earn cashback on essential utility bill payments and dining expenses.
Features a Nil annual fee, making it an economical choice for cardholders.
Cons
Key drawbacks and limitations of this card.
A joining fee of Rs 200 + GST is applicable upon card issuance.
Cashback benefits are capped and specific, limiting overall reward potential.
High cash advance charges make emergency withdrawals quite expensive.
Standard interest rates of 1.90% per month can accumulate quickly.
Limited information on other specific benefits beyond basic cashback and lounge.
Product Details
Unique Combo Debit Cum Credit Card functionality.
Features two separate card numbers, magnetic strips, chips, and CVV.
Offers complimentary domestic and international lounge access (4 per year).
Provides cashback on utility bill payments and dining spends.
Includes personal insurance cover up to Rs 20 lakhs (credit) and Rs 4 lakhs (debit).
Comes with a 1% fuel surcharge waiver.
Access to 24×7 Concierge Services.
SELECT variant has a credit limit of Rs 1,00,000.
Benefits & Features
Rewards Rate
Cashback on dining (Rs 25 on Rs 300+), utility bills, and mobile wallet payments (Rs 50 on Rs 500+).
Reward Type
Cashback
Reward Redemption
Cashback is automatically applied on eligible dining, utility, and mobile wallet transactions.
Domestic Lounge Access
Complimentary access to domestic lounges. Maximum 4 accesses per year.
International Lounge Access
Complimentary access to international lounges. Maximum 4 accesses per year.
Insurance Coverage
Personal insurance cover worth Rs 20 lakhs (credit card) and Rs 4 lakhs (debit card).
Dining Benefits
Exclusive cashback on Dining spends: Rs 25 for a minimum transaction of Rs 300.
Travel Benefits
24×7 Concierge Services and exclusive merchant offers.
Card Network
RuPay
What matters, explained clearly
Introduction
The Union Bank Rupay Combo Debit Cum Credit Card, issued by Union Bank, is a unique RuPay network card designed to offer the combined benefits and privileges of both a debit and a credit card. This card allows users to seamlessly switch between debit and credit functionalities as per their needs. Positioned as an entry-level or mid-range option, it is particularly suitable for individuals new to credit. Its key differentiating features include complimentary domestic and international lounge access, cashback on utility bill payments and dining, and a substantial personal insurance cover.
Fees & Charges Breakdown
- Joining Fee: Rs. 200 + GST
- Annual Fee: Nil
- Reward Redemption Fee: Nil
- Interest Rates: 1.90% per month (22.8% per annum)
- Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between Rs 400 to Rs 4000.
- Cash Advance Charges: 2.5% on the withdrawal amount, subject to a minimum charge of Rs 100. For overseas withdrawals, the minimum charge is Rs 125.
Rewards & Cashback Structure
- Reward Type: Cashback
- Exclusive cashback on Dining spends.
- Cashback on Utility bill payments (applicable on a Select Rupay card).
- Cashback on mobile wallet payments: Rs 50 per card on a minimum transaction of Rs 500.
- Cashback on dining: Rs 25 for a minimum transaction of Rs 300.
Travel, Lounge & Lifestyle Perks
- Complimentary access to domestic and international lounges.
- A maximum of 4 complimentary domestic and international lounge accesses are provided every year.
- Personal insurance cover worth Rs 20 lakhs (for the credit card).
- Insurance cover worth Rs 4 lakhs (for the debit card).
- Exclusive merchant offers.
- 24×7 Concierge Services.
Card Eligibility Criteria & Income Requirements
- Proof of Address: Required documents include an Aadhar card, Passport, or Driver’s License.
- Proof of Identity: Required documents include an Aadhar card, PAN card, Passport, and Voter ID.
- Proof of Income: Required documents include previous salary slips, IT returns, or Form-16.
Credit Card Review
This card is an ideal choice for individuals seeking a primary card that offers the dual benefits of a credit card and a debit card, especially for those with no prior credit background. It provides valuable cashback on utility bill payments and dining, along with complimentary lounge access and significant insurance benefits, making it a versatile option for everyday use and travel.
Important Product Details
- This is a Combo Debit Cum Credit Card, providing the benefits and privileges of both card types.
- The card comes with two separate card numbers, magnetic strips, chips, and CVV numbers, allowing users to switch between debit and credit functionalities.
- Complimentary access to domestic and international lounges, with a maximum of 4 accesses per year.
- Cashback on Utility bill payments and dining on a Select Rupay card.
- Personal insurance cover worth Rs 20 lakhs (credit card) and Rs 4 lakhs (debit card).
- 1% surcharge waiver on fuel transactions.
- Exclusive merchant offers.
- 24×7 Concierge Services.
- The card limit on the SELECT variant Rupay credit card is Rs 1,00,000.
Other Details
- The maximum fuel surcharge discount is Rs 75 per card every month.
- The maximum cashback on utility bill payments is Rs 50 per card.
- The card can be applied for by filling out an application form and submitting it to the nearest branch of Union Bank of India, along with all required documents.