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Last updated: 12 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
4 Points per ₹100
Standard rewards
The privileges that come bundled in, beyond the reward points.
Spa Services
Health Checkup
Lounge Access
An honest read on where this card earns its keep — and where it doesn't.
Spa benefits
Low fee
Offline process
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Union Bank of India before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Union Bank RuPay Select stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Union Bank RuPay Select fees, reward conversion, lounge access, and application eligibility.
Union Bank RuPay Select has an annual fee of ₹499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "RuPay-based payments and card-specific lifestyle benefits; confirm the current issuer offer before publishing.".
Union Bank RuPay Select earns Points at a primary rate of 4 Points per ₹100. Specifically, Standard rewards. Spends in Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, because Union Bank RuPay Select is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Yes, Union Bank RuPay Select features complimentary airport lounge privileges. Privileges include: "Lounge Access". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of Union Bank RuPay Select. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Union Bank RuPay Select levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Union Bank RuPay Select currently features a welcome offer: "RuPay-based payments and card-specific lifestyle benefits; confirm the current issuer offer before publishing.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Spa benefits and Low fee. However, keep in mind that Offline process. Overall, Union Bank RuPay Select delivers strong value if your regular spending aligns with Lifestyle.
You can apply for Union Bank RuPay Select directly through Union Bank of India's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
