RuPay Select Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
MakeMyTrip ICICI Bank Credit Card
Bank Name :
ICICI Bank
Type :
Travel Credit Card
Interest Rate :
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Eligibility :
Indian Resident
Age criteria (For Salaried) 18-65 Yrs.
Age criteria(For Professionals) 18-70 Yrs.
Minimum Income- Rs. 7.50 lakhs per annum
Pros
Credit Card allows users to avail discounts and cashback every time they swipe the card.
Get a fuel surcharge waiver of 1% at any petrol station in India.
Insurance for loss of card: Up to Rs.1.5 lakh Spent Rs.50,000 or more in the previous year, the annual fee of Rs.499 will be waived for the next year.
Users get merchant offers like cashbacks and discounts at restaurants and on paying utility bills.
Personal accidental coverage: Rs.10 lakh 4 complimentary domestic and international lounge access.
Cons
No welcome benefit provided to the users.
Pros & Cons
Welcome Benefits
Rewards System
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.
You can earn 1 RP for every INR 100 spent.
Effective Cashback Rate= 0.25%
International Forex Markup
Welcome Benefits and Reward System
Special Features
Eligibility Criteria
Indian Resident
Age criteria (For Salaried) 18-65 Yrs.
Age criteria(For Professionals) 18-70 Yrs.
Minimum Income- Rs. 7.50 lakhs per annum
Benefits
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online Visit the Union Bank of India website and go to the Credit Card section.
Click on the "Apply Now" button for the RuPay Select Credit Card.
Fill in the application form with your personal and financial details.
Upload the required documents, such as your PAN card, ID proof, and address proof.
Submit the application form.
Required documents To apply for Union Bank of India's RuPay Select Credit Card, you will need the following documents: PAN card ID proof (Aadhaar card, driving license, passport, etc.) Address proof (Aadhaar card, bank statement, utility bill, etc.) Income proof (salary slip, ITR, etc.)
Processing time The processing time for Union Bank of India's RuPay Select Credit Card application is typically 7-10 business days.
Once your application is approved, you will receive your credit card within 7-10 business days.
Contact Details
Toll free numbers are : 1800 2222 44
1800 2222 43
1800 208 2244 1800
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Credit Card allows users to avail discounts and cashback every time they swipe the card.
Get a fuel surcharge waiver of 1% at any petrol station in India.
Insurance for loss of card: Up to Rs.1.5 lakh Spent Rs.50,000 or more in the previous year, the annual fee of Rs.499 will be waived for the next year.
Users get merchant offers like cashbacks and discounts at restaurants and on paying utility bills.
Personal accidental coverage: Rs.10 lakh 4 complimentary domestic and international lounge access.
No welcome benefit provided to the users.
The Union Bank of India RuPay Select Credit Card is a decent option for RuPay enthusiasts and budget-conscious individuals who value fuel savings, movie discounts, and basic travel perks. The fuel surcharge waiver and movie benefits can be particularly attractive for everyday spending. However, the lower reward point value, limited redemption options, and network limitations might not be ideal for high spenders or those seeking maximum value and flexibility.
RuPay Select Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining fee- NIL ,
Annual Fee- 499
Cash advance fee: 2.5% per month from date of withdrawal
Interest Rates: 16% p.a., on reducing balances
Late Payment Charges: Up to Rs. 25,000/- = Rs. 200/- Above Rs.25,000/- = Rs. 500/- Statement for > 3 months = Rs. 50/- per statement
Foreign Currency Transactions Fees: 3%.
Reward Redemption Fees: NIL
Fuel Surcharge
Billing Cycle
30 Days