By Shubham Sharma
Updated On September 6, 2021

Union Bank’s Rupay Combo Debit Cum Credit Card is a card that provides you with the benefits and privileges of both a debit card and a credit card. You can switch between the two, alternatively as may be fit to need and requirements. The card comes with two separate card numbers, magnetic strips, chips, and CVV numbers. With this card, you can enjoy complimentary lounge access upto 4 every year using this card. Moreover, you get cashback on utility bill payments and dining using this credit. The card also comes with several additional benefits such fuel surcharge waiver and 24×7 concierge services. Read below to know more about this credit card in detail.

Best Suited For

Travel |

Joining Fee

Rs 200 + GST

Reward Type

Reward Points | Cashback |

Product Details

  • Complimentary access to domestic and international lounges
  • Cashback on Utility bill payments and dining on a Select Rupay card
  • Personal insurance cover worth Rs 20 lakhs
  • 1% surcharge waiver on fuel transactions
  • Exclusive merchant offers
  • 24×7 Concierge Services

 

Rewards and Benefits

Welcome Benefits

NA

Movie & Dining

Exclusive cashback on your Dining spends using this credit card

Rewards Rate

NA

Reward Redemption

NA

Travel

Complimentary access to domestic and international lounges

Golf

NA

Domestic Lounge Access

Complimentary domestic lounge access. You get a maximum of 4 Domestic and International lounge access every year

International Lounge Access

Complimentary International lounge access. You get a maximum of 4 Domestic and International lounge access every year

Insurance Benefits

You get a personal insurance cover worth Rs 20 lakhs using this credit card

Zero Liability Protection

NA

Fees & Charges

Joining Fee

Rs 200 + GST

Renewal Fee

Nil

Spend based Waiver

NA

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

NA

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 Charge

2.5% on the withdrawal amount subject to a minimum charge of Rs 100

Add-on Card Fee

Nil

Union Bank’s Rupay Combo Debit Cum Credit Card Travel Benefits

You get complimentary access to domestic and international using this credit card. You get upto 4 complimentary lounge access every year.

Cashback offers

You get cashback on Utility bill payments and dining on a Select Rupay card. You get a maximum of Rs 50 per card as cashback on utility bills payments. You get a cashback of Rs 50 per card as cashback on the minimum transaction of Rs 500 on mobile wallet payments. Moreover, you also get Rs 25 for a minimum transaction of Rs 300 using this credit card.

Insurance Benefits

You get a personal insurance cover worth Rs 20 lakhs using this credit card and a cover worth Rs 4 lakhs on the debit cards.

Other Benefit

  • You get a 1% surcharge waiver on fuel transactions using this credit card. You can avail of a maximum discount of Rs 75 per card every month. Fuel transactions between Rs 400 to Rs 4000 made using this card are applicable for the waiver.
  • You can use this card to avail of exclusive merchant offers
  • Enjoy 24×7 Concierge Services

How to Apply for this card?

You can apply for this credit card by filling 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?

You are required to provide the following documents mentioned below-

Proof of Address- You are required to provide the following documents such as Aadhar card, Passport, Driver License

Proof of Identity – You need to provide the following documents Aadhar card, PAN card, Passport, Voter ID

Proof of Income- You are required to provide the following documents as previous salary slips, IT returns, Form- 16

Conclusion

If you are looking for a basic card that provides you with the dual benefits of a credit card and debit card. Then, in that case, this card might be the right choice for you. You get cashback on utility bill payments and dining with this card. In addition to this, you also get complimentary lounge access and insurance benefits on this credit card  So, for a newbie with absolutely no credit background, this card might suit you need and requirements. What do you think about credit cards? Do let us know in the comments

 

FAQs:

No, you do not get charged any renewal fee on this credit card

2.5% on withdrawal amount subject to the minimum amount of Rs 125

No, you do get charged any reward redemption fee on this card

The card limit on this SELECT variant Rupay credit card is Rs 1,00,000 lakhs

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