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REWARD POINTS CARD

RuPay Select Credit Card

Union Bank of India

Earns 4 reward points per ₹100 spent (1 point = ₹0.25), with 8 domestic and 2 international lounge visits a year, a 1% fuel surcharge waiver, add-on cards and UPI linking.

Fuel surcharge waiver is capped at ₹100 per billing cycle. Cash withdrawals earn no points. Fees, interest and eligibility are not shown on the page text captured.

RuPay Select Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
4 reward points per ₹100 spent, with complimentary lounge access (8 domestic, 2 international a year).
BEST FOR
Included: May suit cardholders who value lounge visits, UPI payments and add-on cards for family.
Included: May suit those who travel and want lounge access.
Included: May suit families wanting add-on cards for spouse, children and parents.
Included: May suit those who like paying through UPI with a credit card.
Limitation: Those who need cash-withdrawal rewards or fee details up front may wish to compare other cards.
Limitation: Those who want cash-withdrawal rewards may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Up to 3 add-on cards can be issued for spouse, children and parents.
Condition: Accidental insurance of ₹10.00 lakhs (premium borne by NPCI), plus an additional ₹30.00 lakhs with premium borne by the cardholder.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
Not stated
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Recorded — count not stated — 8 per year (2 per quarter), complimentary
International airport lounge
Recorded — count not stated — 2 per year, complimentary
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
RuPay Airport Lounge
EVERYDAY
Fuel
1% up to ₹100 per billing cycle
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Reward points are not offered on cash withdrawal transactions.; Cash withdrawal transactions earn no reward points.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 4 reward points per ₹100 spent, with complimentary lounge access (8 domestic, 2 international a year).
Included: 4 reward points per ₹100 spent, with 1 point valued at ₹0.25 by the bank.
Included: Complimentary airport lounge access: 8 domestic and 2 international visits per year.
Included: Can be linked on UPI and used for merchant payments on UPI.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.