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Federal BankUnion 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.
Union Bank’s Rupay Combo Debit Cum Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel |
Reward Type
Reward Points
Welcome Benefits
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
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 Charges
2.5% on the withdrawal amount subject to a minimum charge of Rs 100
Add-on Card Fee
Nil
- 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
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
