All cards / Union Bank of India
Union Bank of India RuPay Select Credit Card
Union Bank's mid-tier RuPay card stands out for a PSU card with genuine international lounge access (2 visits/year) alongside domestic lounge access, a flat 4 points/₹100 base rate, and a reasonable ₹50,000 annual-fee waiver threshold.
Annual fee
₹550
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits per year
Benefits by category
- ✈️ Travel
2 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits per year
- 🛡️ Insurance
Accidental air death cover up to ₹10 lakh and other accidental death cover up to ₹8 lakh
- ⛽ Fuel
1% fuel surcharge waiver at Indian fuel stations, capped at ₹100 per month
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹2,500
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3%
- Fuel surcharge waiver: 1% fuel surcharge waiver, up to ₹100 per billing cycle
Benefits
- 2 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits per year
- Accidental air death cover up to ₹10 lakh and other accidental death cover up to ₹8 lakh
- 1% fuel surcharge waiver at Indian fuel stations, capped at ₹100 per month
- Up to ₹50/month cashback on utility bill payments and up to ₹50/month cashback on mobile wallet loads ≥₹500
Pros
- + No joining fee
- + Includes international lounge access — rare for a PSU RuPay card
- + Reasonable ₹50,000/year fee-waiver threshold
Cons
- − No category-specific reward multipliers
- − Cashback perks capped at ₹50/month each
- − Exact minimum income not published by the bank