Union Bank of India
Select · Standard
Union Bank of India RuPay Select Debit Card
Union Bank of India
RuPay Select with comprehensive insurance and wellness
Annual Fee
₹400
Joining Fee
Free
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹31,528
Total Annual Benefits
₹32,000
Total Annual Charges
₹472
ROI
6678%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Domestic Airport Lounge Access
Complimentary domestic airport lounge access at participating lounges across India.
- • 1 visit per quarter
- • Valid at participating domestic lounges
- • Card must be presented for entry
4 visits/year
₹8,000/yr
International Airport Lounge Access
Complimentary international airport lounge access at participating lounges worldwide.
- • 2 visits per year
- • Valid at participating international lounges
- • Card must be presented for entry
2 visits/year
₹6,000/yr
Insurance Coverage (3)
Personal Accidental Death Cover
Personal accidental death insurance cover for cardholders.
- • Cover valid while using the card
- • Claim process through Union Bank insurance partner
₹5 lakh
₹3,000/yr
Air Accident Cover
Air accident insurance cover for cardholders traveling by air.
- • Cover valid during air travel
- • Ticket must be purchased using the card
₹50 lakh
₹5,000/yr
NPCI Personal Accident & Permanent Disability Cover
NPCI-provided personal accident and permanent disability insurance cover.
- • Cover provided by NPCI
- • Valid while using the card
₹10 lakh
₹5,000/yr
Health & Wellness (1)
Gym & Wellness Center Access
Access to gym and wellness centers.
- • Valid at partner fitness centers
- • Registration required
Access included
₹5,000/yr
Fees & Charges
| Charge | Amount |
|---|---|
| Issuance Fee | Free Free issuance |
| Annual Fee | ₹400 Excluding taxes |
Transaction Charges
- Forex Markup
- 3.5%
- Cross Border Fee
- Free
- PIN Regeneration
- ₹50
ATM Charges
- Own Bank
- ₹20 (5 free/mo)
- Other Bank
- ₹20 (3 free/mo)
- Intl. Withdrawal
- 3.5% + ₹125
Eligibility
Requirements
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Available to Union Bank account holders
- • Reward points earned per ₹100 spent
Transaction Limits
ATM Withdrawal / Day
₹1,00,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Reward points per ₹100 spentContactless payments up to ₹5,000EMV chip securityDomestic acceptanceAirport lounge accessPersonal accidental death coverAir accident coverNPCI personal accident & permanent disability coverGym and wellness center access
Ready to Apply?
RuPay Select with comprehensive insurance and wellness