Union Bank RuPay Platinum Credit Card: Benefits, Eligibility & More

If you are searching for a card that balances premium perks with everyday practicality, the Union Bank RuPay Platinum Credit Card is what you need. With up to 50 days of interest-free credit, it is designed for simple and secure spending. 

RuPay now accounts for 16% of credit card spending in India. It reflects the network’s growing reach, wider acceptance and increasingly attractive offers for users. 

Here is a detailed guide on everything you need to know about this RuPay credit card. 

List of Union Bank RuPay Platinum Credit Card Benefits 

The Union Bank RuPay Platinum Credit Card is made for users who want reliable benefits without high annual fees. Here are its main features and benefits:

Interest-Free Credit Period

Cardholders can enjoy 20 to 50 days of interest-free credit, depending on their billing cycle. It is a handy buffer for managing cash flow.

Fuel Surcharge Waiver

Cardholders can get relief from the 1% fuel surcharge on transactions at authorised fuel stations up to ₹100 per billing cycle.

RuPay Offers

You can link your Union Bank RuPay Platinum Credit Card with UPI to avail dining, shopping and entertainment discounts under the RuPay Platinum programme across partner merchants.

Insurance Coverage

This card offers complimentary personal accident cover up to ₹2 lakh in case of loss of life.

Add-On Card Facility

You can get supplementary cards for your family members (above 18 years), sharing the same benefits and convenience. The maximum add-on card limit is three.

EMV Chip and PIN Security

It protects against fraud during in-store transactions, adding a strong layer of safety for every purchase.

You can link this credit card to UPI apps like BHIM, Google Pay and Paytm. It allows seamless digital payments from your credit limit, a key benefit of the RuPay network.

Eligibility Criteria for Union Bank RuPay Platinum Credit Card

Before applying, make sure you meet the basic eligibility conditions. These are designed to ensure you have the financial capacity to manage the card responsibly. It includes:

• Age: Applicants should generally be between 18 and 65 years old.
• Employment: Both salaried and self-employed individuals are eligible for this card.
• Income: A minimum income requirement (set by Union Bank) must be met. The income must be ₹2.5 lakh per annum.
• Credit Score: The credit score must be 700 or above for salaried professionals and 650 or above for government employees. 
• Existing Relationship: Having a Union Bank account or fixed deposit can increase eligibility and improve the offered credit limit.

If you are not sure about qualifying through income proof, you can choose an FD-backed credit card from Stable Money. Download the app now to know more!

Documents Required to Apply for Union Bank RuPay Platinum Credit Card

Once you meet the eligibility requirements, it is crucial to gather the right documents to speed up the application process. Here are all the required documents you will typically need to apply:

• Proof of Identity: Aadhaar Card, Voter ID or Driving Licence
• Proof of Address: Passport, Utility Bills, etc
• Photographs: Recent passport-sized photographs
• Proof of Income: Latest 3 months' salary slips (for salaried individuals) or ITR for the last 2 years and bank statements of the last 6 months (for self-employed)
• Fixed Deposit Receipt: If applying for an FD-backed version, submit the application form, proof of address and the original fixed deposit receipt.

Fees or Charges of Union Bank RuPay Platinum Credit Card

Before applying, it is important to know the fees. The Union Bank RuPay Platinum Credit Card charges are reasonable compared to many other cards in its category. Here is a quick overview:

The Union Bank RuPay Platinum Credit Card strikes the right balance between affordability and functionality. It delivers safety, convenience and smart digital usage. For those starting their credit journey, they can consider this credit card.

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