rewards
Union Bank RuPay Combo Card
Dual-purpose combo card that switches between debit and credit, with 4 lounge visits yearly.
Annual Fee
₹0 (Joining ₹200; no annual/renewal fee)
Rewards
Cashback-style - no defined reward point rate
Lounge Access
4 combined domestic + international/year
Fuel Waiver
1% (₹400-4,000, ₹75/mo cap)
Milestone
None
Best For
First-time credit users wanting a combined debit-credit product
Welcome Offer
None
Type
Hybrid/Legacy (RuPay Select variant)
Description
A hybrid card offering both debit and credit functionality on two separate card numbers, letting users switch between the two as needed. Joining fee ₹200; no annual or renewal fee. Includes cashback on utility bills, mobile wallet loads and dining, up to 4 combined domestic and international lounge visits per year, ₹20L personal insurance cover, and a 1% fuel surcharge waiver. Note: this card does not appear on Union Bank's current official card-listing page - it may be a legacy/discontinued product still indexed by third-party aggregators. Worth verifying with the bank before publishing.
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