Union Bank Rupay Combo Debit Cum Credit Card – Benefits, Fees & Eligibility

Introduction

• The Union Bank Rupay Combo Debit Cum Credit Card is issued by Union Bank of India and provides dual functionality, combining the benefits of a debit card and a credit card with two separate card numbers, magnetic strips, chips, and CVV numbers.
• Positioned as an entry-level option suitable for users with no prior credit background, it is best suited for travel and everyday spending.
• Top differentiating benefits include complimentary domestic and international lounge access (up to four per year), cashback on utility bill payments and dining, and a personal insurance cover of Rs 20 lakhs.

Welcome Benefits

• No specific joining perks or bonus rewards are listed for this card.

Fees

• Joining Fee: Rs. 200 + GST.
• Renewal Fee: Nil.
• Spend-Based Waiver: Not applicable.
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: Not specified.
• Interest Rates: 1.90% per month (22.8% per annum).
• Fuel Surcharge: 1% surcharge waiver on fuel transactions between Rs 400 and Rs 4000, with a maximum discount of Rs 75 per card per month.
• Cash Advance Charges: 2.5% on the withdrawal amount, subject to a minimum charge of Rs 100 (overseas withdrawal subject to a minimum of Rs 125).

Rewards

Movies & Dining

• Exclusive cashback on dining spends using the credit card.
• Cashback on utility bill payments and dining on a Select Rupay card:
  • Maximum of Rs 50 per card as cashback on utility bill payments.
  • Cashback of Rs 50 per card on mobile wallet payments with a minimum transaction of Rs 500.
  • Cashback of Rs 25 for a minimum transaction of Rs 300 using the credit card.

Travel

• Complimentary access to domestic and international lounges.
• Maximum of four lounge accesses per year (combined domestic and international).

Domestic Lounge Access

• Complimentary domestic lounge access, up to a combined total of four domestic and international lounge accesses per year.

International Lounge Access

• Complimentary international lounge access, up to a combined total of four domestic and international lounge accesses per year.

Golf

• Not applicable.

Insurance Benefits

• Personal insurance cover worth Rs 20 lakhs on the credit card.
• Insurance cover worth Rs 4 lakhs on the associated debit cards.

Lifestyle & Other Benefits

• Exclusive merchant offers.
• 24×7 Concierge Services.

Rewards Redemption Guide

• Specific details on how to redeem points or cashback are not provided.

Card Eligibility Criteria

• Eligibility rules and required documents are specified:
  • Proof of Address: Aadhar card, Passport, or Driver’s License.
  • Proof of Identity: Aadhar card, PAN card, Passport, and Voter ID.
  • Proof of Income: Recent salary slips, IT returns, or Form-16.
• Application requires filling out a form and submitting it to the nearest Union Bank of India branch along with the required documents.

Card Review

• Who Should Apply: Beginners with no credit history looking for a primary card that combines credit and debit functionality, along with travel and dining benefits.
• Pros: Dual card functionality, complimentary lounge access, cashback on utility and dining spends, fuel surcharge waiver, personal insurance cover, and 24×7 concierge services.
• Cons: Limited reward rate details, no specified welcome bonus, and modest cashback caps.
• Value: Offers practical everyday benefits and lounge access at a low renewal cost, making it suitable for entry-level users focused on travel and dining.

Important Product Details

• Complimentary access to domestic and international lounges (up to four per year).
• Cashback on utility bill payments and dining on a Select Rupay card.
• Personal insurance cover worth Rs 20 lakhs and Rs 4 lakhs on debit cards.
• 1% fuel surcharge waiver on transactions between Rs 400 and Rs 4000 (max Rs 75 per card per month).
• Exclusive merchant offers.
• 24×7 Concierge Services.
• No annual fee; joining fee is Rs 200 + GST.
• Interest rate is 22.8% per annum.
• Cash advance charge is 2.5% (min Rs 100; min Rs 125 overseas).
• Reward redemption fee is nil.
• Card limit on the SELECT variant Rupay credit card is Rs 1,00,000 lakhs.

Other Details

• Terms and conditions apply, including limits and eligibility criteria for benefits.
• Lounge access is limited to a combined total of four per year across domestic and international locations.
• Cashback offers are capped and subject to minimum transaction values.
• Fuel surcharge waiver is subject to transaction value limits and monthly caps.
• Insurance covers are subject to the card’s terms and conditions.