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

Union Bank Rupay Combo Debit Cum Credit Card

Introduction

The Union Bank Rupay Combo Debit Cum Credit Card offers the combined benefits and privileges of both a debit card and a credit card, allowing users to switch between the two as needed. This card features two separate card numbers, magnetic strips, chips, and CVV numbers. Cardholders can enjoy complimentary lounge access up to four times annually, along with cashback on utility bill payments and dining expenses. Additional perks include a fuel surcharge waiver and 24x7 concierge services.

Welcome Benefits

• NA (Not Available)

Fees

• Joining Fee: Rs. 200 + GST
• Renewal Fee: Nil
• Spend-Based Waiver: NA (Not Available)
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: NA (Not Available)
• Interest Rates: 1.90% per month (22.8% per annum)
• Fuel Surcharge: 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, 2.5% on the withdrawal amount, subject to a minimum amount of Rs 125.

Rewards

• Movies & Dining:
  • Exclusive cashback on dining spends using this credit card.
  • Cashback of Rs 25 for a minimum transaction of Rs 300 on dining using a Select Rupay card.
• Travel:
  • Complimentary access to domestic and international lounges.
  • You get a maximum of 4 complimentary domestic and international lounge accesses every year.
• Domestic Lounge Access:
  • Complimentary domestic lounge access.
  • You get a maximum of 4 complimentary domestic and international lounge accesses every year.
• International Lounge Access:
  • Complimentary international lounge access.
  • You get a maximum of 4 complimentary domestic and international lounge accesses every year.
• Insurance Benefits:
  • Personal insurance cover worth Rs 20 lakhs using this credit card.
  • Insurance cover worth Rs 4 lakhs on the debit cards.
• Cashback Offers:
  • Cashback on Utility bill payments on a Select Rupay card, with a maximum of Rs 50 per card.
  • Cashback of Rs 50 per card on a minimum transaction of Rs 500 on mobile wallet payments.
  • Cashback of Rs 25 for a minimum transaction of Rs 300 on dining using this credit card.
• Fuel Surcharge Waiver:
  • 1% surcharge waiver on fuel transactions using this credit card.
  • Applicable on transactions between Rs 400 and Rs 4000.
  • Maximum discount of Rs 75 per card every month.
• Lifestyle:
  • Exclusive merchant offers.
  • 24×7 Concierge Services.

Rewards Redemption Guide

• NA (Not Available)

Card Eligibility Criteria

How to Apply for this card?

• You can apply for this credit card by filling out an application form and submitting it to the nearest branch of the Union Bank of India, along with all the required documents.

What Documents are Required?

• Proof of Address: Aadhar card, Passport, or Driver’s License.
• Proof of Identity: Aadhar card, PAN card, Passport, and Voter ID.
• Proof of Income: Previous salary slips, IT returns, Form-16.

Card Review

This card is a suitable primary option for individuals seeking the dual benefits of a credit card and a debit card. It offers cashback on utility bill payments and dining, alongside complimentary lounge access and insurance benefits. It is particularly well-suited for a newbie with no prior credit background.

Important Product Details

• Provides dual benefits of both a credit card and a debit card, with separate card numbers, magnetic strips, chips, and CVV numbers.
• Complimentary access to domestic and international lounges, up to 4 accesses every year.
• Cashback on Utility bill payments and dining on a Select Rupay card.
• Personal insurance cover worth Rs 20 lakhs on the credit card.
• Insurance cover worth Rs 4 lakhs on the debit card.
• 1% surcharge waiver on fuel transactions (applicable for transactions between Rs 400 to Rs 4000, with a maximum discount of Rs 75 per card every month).
• Exclusive merchant offers.
• 24×7 Concierge Services.
• Cashback on mobile wallet payments (Rs 50 for a minimum transaction of Rs 500).

Other Details

• Best Suited For: Travel
• Reward Type: N/A
• Card Limit (on SELECT variant Rupay credit card): Rs 1,00,000
• Card Rating: 4.4/5