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STANDARD CHARTEREDUnion Platinum RuPay Credit Card is the premium credit card offered by the Union Bank of India. It’s a cashback credit card that lets you enjoy cashback on various transactions like making payments of the utility bills, or booking tickets from IRCTC. Besides these benefits, you can also earn a reward rate of 0.02% on every Rs. 100 spent using this card. The joining fee of this credit card is nil and it is worth consideration. Read on to know more about the Union Platinum RuPay Credit Card offerings and features.
Union Platinum RuPay Credit Card
Best Suited For
Shopping |
Joining Fee
NIL
Reward Type
Cashback |
Product Details
- Union Platinum RuPay Credit Card comes with no joining fee.
- Earn 2 reward points on every Rs. 100 spent using this card.
- Earn cashback of Rs. 50 on payment of utility bills.
- Earn cashback of Rs. 50 on a minimum transaction of Rs. 500.
- Earn cashback of Rs. 25 on a minimum transaction of Rs. 300 spent on the IRCTC website.
- Covers accidental air death cover and credit card lost cover.
- 1 RP = Rs. 0.25
Rewards and Benefits
Welcome Benefits
NA
Movie & Dining
NA
Rewards Rate
You can earn a maximum of Rs. 50 cashback per month on utility bill payment. You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet. You can also cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions. You can earn 2 reward points on every Rs. 100 spent on this card.
Reward Redemption
You can redeem your reward points for movies, bus & air tickets, gift vouchers, etc. A minimum of 100 reward points needs to be accumulated for redemption. 1 reward point = Rs. 0.25.
Travel
NA
Golf
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Insurance Benefits
Covers accidental air death up to Rs. 8 lakhs and other accidental death up to Rs. 5 lakhs
Zero Liability Protection
Cover lost card insurance up to Rs. 1,50,000.
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Fees & Charges
Joining Fee
NIL
Renewal Fee
Rs. 299
Spend based Waiver
Renewal fee waived off on spending Rs. 30,000 in the previous year.
Rewards Redemption Fee
Nil
Rewards Redemption Fee
Nil
Foreign Currency Markup
3%
Interest Rates
2.95% p.m. (41.75% p.a.)
Fuel Surcharge
1% Fuel surcharge waiver on fuel transactions. The maximum fuel surcharge is capped at Rs. 100 per month.
Cash Advance Charge
3% or Rs. 200 (whichever is higher)
Add-on Card Fee
Nil
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Union Platinum RuPay Chip Credit Card Rewards
- On Union Platinum RuPay Credit Card, you can earn 2 reward points on every Rs. 100 spent.
- This card lets you earn a maximum of Rs. 50 cashback per month on making utility bill payments.
- You can earn a maximum of Rs. 50 cashback per month on a minimum transaction of Rs. 500 in your mobile wallet on this card.
- You can also cashback of Rs. 25 on spending a minimum of Rs. 300 spent on IRCTC transactions.
Union Platinum RuPayChip Credit Reward redemption
- The Union Platinum RuPay Credit Card lets you redeem your reward points easily for movies, bus & air tickets, gift vouchers, etc from UnionRewardz.com.
- For a successful redemption of your Union Platinum RuPay Credit Card reward points, you need to redeem at least 100 reward points at a time.
- 1 reward point is equivalent to Rs. 0.25.
- The reward points are valid up to 3 years from the date of accumulation.
Insurance Benefits
- You get an insurance cover of accidental air death up to Rs. 8 lakhs on Union Platinum RuPay Credit Card.
- Apart from air death, this card also covers other accidental death insurance of up to Rs. 5 lakhs.
Other Benefits
- The Union Bank of India provides a credit lost insurance cover up to Rs. 1,50,000 on the Union Platinum RuPay Credit Card.
- You also get a 1% fuel surcharge waiver on this credit card.
Conclusion
The Union Bank of India to cater to the needs of its customers has launched a premium credit card that offers cashback benefits on selected transactions. The Union Platinum RuPay Credit Card has not only provided sopping benefits but insurance benefits too. You get accidental air death cover and lost card insurance cover on this card. Certainly being a premium credit card, this credit card offers decent offers and benefits. You can definitely vouch for this credit card at Rs. 299 renewal membership fee which will also be waived off on spending Rs. 30,000 in the previous year.
Do comment down below whether you would like to vouch for the Union Platinum RuPay Credi Card or not.
FAQs:
You can redeem your reward points collected on the Union Bank of Inda Credit Card from the Union Rewardz website. 1 reward point is equivalent to Rs. 0.25.
No, the Union Bank of India does not provide you lounge access on the Union Platinum RuPay Credit Card.
No, you do not get any welcome benefits on the Union Platinum RuPay Credit Card.
Yes, on spending Rs. 30,000 in the previous year the renewal fee on the Union Platinum RuPay Credit Card gets waived off.
Compare India’s most rewarding credit cards under one roof and pick the one that works for you the best.