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Central Bank of India RuPay Select Credit Card

Central Bank of India

RuPay Select Credit Card — card image from the issuer's official page

Annual / renewal fee

  • ₹550/- (Primary).
  • ₹450/- (Add-on).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Earn rate

4 reward points on every ₹100/- spent, subject to eligible MCCs prescribed by Bank from time to time.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at canarabank.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-02
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at canarabank.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

RuPay Select Credit Card by Central Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

NIL (Primary), NIL (Add-on).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Annual / renewal fee

  • ₹550/- (Primary).
  • ₹450/- (Add-on).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Fee waiver

Annual fee waived if credit card usage in last 12 months (from card issuance date) is ₹50,000/- or more.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Rewards

4 reward points on every ₹100/- spent, subject to eligible MCCs prescribed by Bank from time to time.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM IST

Redemption value

  • Reward points can be checked and redeemed for credit card bill payment, purchasing gift vouchers etc. via the Union Rewardz app or website (unionrewardz.com).
  • Reward Points have no monetary value except the value assigned by the Bank, are not convertible, and are redeemable only per the Reward redemption scheme/catalogue.
  • Reward Points are subject to an expiry.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Reward cap

Reward points earned against each Credit Card Customer ID capped at 10,000 per month (excluding milestone reward points).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Reward exclusion

MCCs not counted for reward points: JewelleryFuelCash withdrawalBitcoinwallet loadingAlcoholwine shopsInsurance

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Travel & lounge

Lounge access

  • Complimentary airport lounge access available (as stated on the official product page).
  • Complimentary lounge access is a stated card feature.
  • Specific visit counts not stated in attached official MITC/KFS/Agreement sources.

VerifiedRuPay Select Credit Card product page2 Aug 2026, 4:10 PM ISTCentral Bank of India

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Insurance

  • Group Personal Accidental Death Insurance coverage: ₹30,00,000/- (premium borne by cardholder).
  • Additionally, NPCI free Accidental Death Insurance coverage: ₹10,00,000/- (premium borne by NPCI).
  • Cardholders aged 18 to under 70 eligible.
  • Up to 3 add-on cardholders eligible.
  • NPCI cover requires min one successful POS/e-commerce transaction within 30 days prior to date of accident (UPI/ATM not covered).

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Eligibility

Eligibility

  • Card(s) not issued to any person less than 18 years of age.
  • Add-on cards (up to 3) issued only to spouse/parents/major children of the principal cardholder.

VerifiedCardholder Agreement v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Charges & interest

Forex markup

Foreign Currency Markup Fee: 3%.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Charge

  • Effective September 25, 2025 (v1.4): Cash Advance interest (finance charge) 2.5% p.m. (30% annualized).
  • Cash Withdrawal Fee (own & other Bank ATMs) 3% of cash advance or min ₹500/-.
  • Service/Finance charge (simple interest) 3.00% p.m. / 36% annualized whether or not MPD paid.
  • Card Replacement (RuPay Select) ₹249/-.
  • Lost Card Charges NIL.
  • Charge slip Request ₹200/-.
  • Temporary Enhancement ₹200/- per occasion.
  • Hot Listing NIL.
  • Hot Listing if MPD not paid ₹200/-.
  • Balance enquiry at other Bank ATM ₹20/- (own NIL).
  • Green PIN NIL.
  • Cheque Return ₹250/-.
  • Over limit 2.5% of over limit amount, min ₹250/-.
  • Foreign Currency Markup 3%.
  • Transaction Charges at Railways 1.5% + IRCTC Charges.
  • Late Payment: outstanding up to ₹25,000/- ₹200/-, above ₹25,000/- ₹500/-.
  • Statement for >3 months ₹50/- per statement.
  • EMI: Rate of Interest 16% p.a. on reducing balances, Processing Fee 2% (min ₹200/-, max ₹1,000/-), Pre-closure 2% of outstanding.
  • All charges exclusive of GST.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Fuel surcharge waiver

Fuel Surcharge Waiver: 1% up to ₹100/- per month.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Interest-free period

  • Interest-free (grace) period ranges from 20 to 50 days.
  • Applicable only on retail purchases and if the previous month's balance has been cleared in full.
  • No interest-free grace period for cash withdrawals from ATMs.

VerifiedMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)2 Aug 2026, 4:10 PM ISTCentral Bank of India

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the RuPay Select Credit Card?

Officially traced: Rs. 550/- (Primary).

Most Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)

What is the joining fee on the RuPay Select Credit Card?

Officially traced: NIL (Primary), NIL (Add-on).

Most Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)

Is the RuPay Select Credit Card annual fee ever waived?

Annual fee waived if credit card usage in last 12 months (from card issuance date) is Rs. 50,000/- or more.

Most Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)

How does the RuPay Select Credit Card earn rewards?

4 reward points on every Rs. 100/- spent, subject to eligible MCCs prescribed by Bank from time to time.

Most Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)

What lounge access does the RuPay Select Credit Card include?

Complimentary airport lounge access available (as stated on the official product page); complimentary lounge access is a stated card feature.

RuPay Select Credit Card product page

What are the transfer ratios for RuPay Select Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) v1.4 – Union Bank Credit Cards (covers RuPay Select)Cardholder Agreement v1.4 – Union Bank Credit Cards (covers RuPay Select)RuPay Select Credit Card product page

Official terms

https://www.unionbankofindia.bank.in/en/details/rupay-select-credit-card.

VerifiedRuPay Select Credit Card product page2 Aug 2026, 4:10 PM ISTCentral Bank of India

Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.