Union Platinum RuPay Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

There is no joining fee for the Union Platinum RuPay Credit Card. For every Rs. 100 spent using this card, you can earn 2 reward points. When paying utility bills, you can earn a cashback of Rs. 50. For transactions of at least Rs. 500, you can earn a cashback of Rs. 50. By spending a minimum of Rs. 300 on the IRCTC website, you can earn a cashback of Rs. 25. The card provides coverage for accidental air death and lost credit card incidents. The value of 1 reward point is equivalent to Rs. 0.25.

The Union Platinum RuPay Credit Card is a great choice for avid shoppers looking for a rewarding experience.

With no joining fee and a renewal fee of Rs. 299 + GST, it offers exceptional value for money.

When it comes to earning rewards, this card doesn't disappoint.

You can earn 2 reward points for every Rs. 100 spent, making it easy to accumulate points quickly.

These reward points can be redeemed for a variety of exciting benefits.

While the card does not offer any welcome benefits or movie dining perks, it more than makes up for it with its impressive shopping rewards.

You can earn a maximum cashback of Rs. 50 per month on utility bill payments and a minimum transaction of Rs. 500 in your mobile wallet.

Additionally, there is a cashback of Rs. 25 on spending a minimum of Rs. 300 on IRCTC transactions.

In terms of insurance benefits, the Union Platinum RuPay Credit Card covers accidental air death up to Rs. 8 lakhs and other accidental death up to Rs. 5 lakhs.

This provides a sense of security and peace of mind for cardholders.

Renewal fee is waived off on spending Rs. 30,000 in the previous year, making it easy to enjoy the benefits of this card without the burden of additional fees.

Similarly, the card has no rewards redemption fee, ensuring that you can make the most of your earned rewards without any extra charges.

For those who frequently travel internationally, the card boasts a foreign currency markup of only 0.03%, making it an excellent choice for overseas transactions.

With an interest rate of 2.95% p.m. (41.75% p.a.), the Union Platinum RuPay Credit Card offers competitive rates compared to many other credit cards in the market.

The fuel surcharge of 1% is also advantageous, with a maximum cap of Rs. 100 per month, further adding to the card's appeal.

Cash advances are available with a fee of 3% or Rs. 200 (whichever is higher), allowing cardholders to access cash conveniently when needed.

In summary, the Union Platinum RuPay Credit Card is a top-notch option for shopping enthusiasts who want to earn rewards while enjoying a range of benefits.

With its attractive cashback offers, insurance coverage, and reasonable fees, this card is definitely worth considering.