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Union Bank of India
entry
•••• •••• •••• 0000
Rupay Combo Debit Cum Credit Card
RuPayUnion Bank of India • RuPay• Entry
Annual Fee
Free
Base Reward Rate
—
Foreign Tx Fee
—
Tier
Entry
Joining Fee
₹200
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
Combined max of 4 domestic + international lounge visits per year
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹0
Blended 0.00% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Dual debit-cum-credit card (SELECT RuPay variant) with two card numbers/CVVs. Credit limit Rs 1,00,000. Personal insurance cover Rs 20 lakh (credit) / Rs 4 lakh (debit). No reward redemption fee, no renewal fee. Interest 1.90%/month (22.8% p.a.). Cash advance 2.5% (min Rs 100; overseas min Rs 125). 24x7 concierge. Cashback amounts are flat rupee values, not percentage rates.
✓ No activation spend required — access is unconditional.
Combined max of 4 domestic + international lounge visits per year