Union Bank’s Rupay Combo Debit Cum Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Included with the Select Rupay card are benefits such as free entry to both domestic and international lounges, cashback on utility bill payments and dining, personal insurance coverage up to Rs 20 lakhs, a waiver of 1% surcharge on fuel transactions, access to exclusive merchant offers, and round-the-clock concierge services.

I recently had the opportunity to review Union Bank's Rupay Combo Debit Cum Credit Card, which is ideal for frequent travelers.

With a modest joining fee of Rs. 200 + GST and no renewal fee, this card offers great value for money.

One of the key features of this card is its reward points system.

By using this card, you can earn reward points for every transaction you make.

These points can then be redeemed for various rewards of your choice.

This is a fantastic way to make your travels even more rewarding.

While there is no specific welcome benefit associated with this card, it does offer an exclusive cashback on dining spends.

So, if you enjoy dining out during your travels, this card can help you save some money.

For those who love to shop, unfortunately, this card does not offer any specific shopping benefits.

However, the real strength of this card lies in its travel-related perks.

With the Rupay Combo Debit Cum Credit Card, you are entitled to complimentary access to both domestic and international lounges.

You can enjoy a maximum of four lounge visits per year, making your travel experiences much more comfortable and enjoyable.

In addition to lounge access, this card also offers a personal insurance cover worth Rs. 20 lakhs.

This is a valuable feature that provides you with peace of mind during your travels.

When it comes to fees and rates, this card stands out with no rewards redemption fee and no foreign currency markup.

However, it is important to note that the interest rate is 1.90% per month (22.8% per annum), so it is advisable to pay your bills in a timely manner to avoid high interest charges.

If you use this card for fuel transactions, you will benefit from a 1% surcharge waiver on transactions between Rs. 400 to Rs. 4000.

This can result in substantial savings, especially if you frequently fill up your tank.

For cash advances, the card charges a fee of 2.5% on the withdrawal amount, with a minimum charge of Rs. 100.

While this may not be the most cost-effective way to access cash, it can be useful in emergencies.

Overall, Union Bank's Rupay Combo Debit Cum Credit Card is an excellent choice for travelers who want to enjoy lounge access, personal insurance cover, and earn reward points.

While it may not offer specific shopping or golf benefits, its travel-related perks make it a valuable companion for your journeys.