Two-in-One Debit and Credit Card on a Single Dual-Interface Chip
Account holders seeking seamless debit-to-credit switching in one wallet card
₹250
One-time upfront₹250
Waived on ₹50,000 annual spendN/A
On eligible spends1 Domestic visits/quarter
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Union Bank RuPay Combo Debit Cum Credit Card is one of the most innovative payment form factors issued by an Indian public sector bank. Operating with two separate EMV microchips or a dual-interface track on a single plastic body, it allows customers to debit their savings account or draw on a pre-approved revolving credit limit depending on transaction terminal selection. Its primary advantage is wallet consolidation: users no longer need to carry separate ATM and credit cards. The credit component features an accessible annual fee of ₹250 (waived on spending ₹50,000 annually) and earns Union Rewardz points on all retail point-of-sale and online transactions. The main limitation is merchant terminal handling: inexperienced cashiers may accidentally charge the debit side instead of the credit facility if dual application identifiers are not selected properly. It also carries standard foreign exchange markup fees of 3.50%. For Union Bank depositors wanting unified card management without duplicate annual plastic fees, this 2-in-1 solution delivers unmatched physical convenience.
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Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Credit Retail Spends | 2 Reward Points per ₹100 spent on credit transactions (0.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Credit Retail Spends | ₹30,000 | 2 Reward Points per ₹100 spent on credit transactions (0.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹250
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for Union Bank RuPay Combo Debit Cum Credit Card: • Dual-Facility Architecture: Debit facility directly linked to Primary Savings/Current Account; credit facility backed by an independent revolving limit. • Joining & Annual Fee: ₹250 + GST for the credit component; annual fee reversed on spending ₹50,000 in the preceding anniversary year. • Reward Accrual: Earn 1 Union Rewardz point per ₹100 spent on credit transactions; debit card POS spends earn points as per Union Bank debit loyalty slabs. • PIN Configuration: Distinct PINs issued for debit and credit components to prevent accidental overdraft or unwanted balance drawdown. • Fuel Surcharge Relief: 1% surcharge waiver on credit fuel purchases between ₹500 and ₹3,000 across domestic petrol pumps. • Finance Charges: 3.00% per month (36.0% annualized) on overdue revolving credit balances.
Evaluate whether this card's perks and waiver threshold justify its ₹250 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Union Bank RuPay Combo Debit Cum Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Union Bank of India portal with paperless verification.
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