RuPay Platinum Credit Card

The RuPay Platinum Credit Card from Union Bank of India is a domestic-network credit card designed for everyday spending with essential benefits suited to regular users. It offers a mix of routine financial features like fuel surcharge reimbursement and accident insurance, along with convenient acceptance across PoS and ATM networks. This card also supports supplementary cards for family members and aims to combine basic rewards and merchant offers under the RuPay programme

RuPay Platinum Credit Card

Joining Fees	Nil
Annual Fees	₹450
Card Type	Travel, Rewards
Network Type	Rupay

Rewards & Benifits

Interest-free credit period ranging from 20 to 50 days.
1% fuel surcharge reimbursement up to ₹100 per month.
Personal accident insurance cover of up to ₹2 lakh.
Add-on cards available for eligible family members.
Access to RuPay merchant offers.

Fees & Charges

Joining fee: Nil.
Annual fee: ₹450.
Fuel surcharge waiver capped at ₹100 per month.
Late payment and other charges applicable as per bank policy.

Card Details

RuPay network credit card.
EMV chip and PIN enabled for secure transactions.
Personal accident insurance included.
Supplementary card facility available.

Pros & Cons

No joining fee.
Fuel surcharge reimbursement benefit.
Accident insurance cover included.
Simple eligibility for add-on cards.

Annual fee applicable.
No premium travel or lifestyle benefits.
Reward points structure not detailed.

ELIGIBILITY CRITERIA
Not specified on the official page. (The official portal did not list eligibility criteria on the pages accessed.)

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WELCOME BENEFITS
No welcome benefits listed on the official page.

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CARD REVIEW
The Union Bank of India RuPay Platinum Credit Card is a straightforward option for everyday spenders looking for a basic credit card with essential benefits. It is suitable for users who want low-cost access to credit, fuel surcharge reimbursements, and personal accident insurance without a joining fee. While the card offers a range of standard features like an interest-free credit period and supplementary cards for family members, it lacks deeper lifestyle or travel perks that more premium cards provide. Additionally, annual fees apply, and detailed rewards program specifics are not clearly outlined on the official page, which may limit clarity for potential applicants.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

RuPay Platinum Credit Card