Union bank RuPay Unicorn Select Credit Card | Blinkit gv, Myntra gv, BMS, Free lounge, Swiggy, MMT 10% off Flight booking etc

[Broodi]

You said dual RuPay visa variant, how ?

because all gift vouchers are offered by RuPay here - https://rupayselect.truztee.com/#/offers

Because we offer a Visa Signature for every Rupay Select on shared limit and vice versa. 🙂

You avail all features but get single bill and consolidated limit. We are stingy with our limits btw.

 

[Abhishek012]

Because we offer a Visa Signature for every Rupay Select on shared limit and vice versa. 🙂

You avail all features but get single bill and consolidated limit. We are stingy with our limits btw.

Ok but gift voucher benefit available only on RuPay select and this card name is "Unicorn"

Visa Unicorn is not available. So, visa signature is simple card linked with RuPay unicorn. All 10% reward benefits available only on RuPay Unicorn card spent.

 

[nishank]

Await for eligibility to apply

 

[pikashinchu]

I am an employee. It's not on site yet but is live from today and we can issue it from today. And can be availed against deposits for free and for income/TRV appropriate wealth relationships for free and for others it's 2400+GST (no waiver possible for others and rejection rate is high).

Exact criteria is yet to be out but will be out soon. Today was our foundation day.

Ab drawback bolta hoon.

Maximum monthly rewards capped at 2500. Which makes maximum 66000 spends a month usable for 4.18% effective reward rate without vouchers.

But when you add vouchers worth 264000 a year, 8 Times Prime, 8 Amazon Prime, 8 Hotstar, 8 Sony Liv, 8 Zee 5 (Total 59960) plus Cultfit Elite (45690) and the spa and health check ups (around 64000) without counting golf and lounges, your rewards will be 466150 on spends of 776000 (60.08% Rewards on spending). 400000+ rewards on doing nothing.

Also 10% reward rate on Flipkart, Myntra, Fastrack, Titan, GoIbibo Hotels, Cleartrip, Lifestyle stores, Adidas, Pepe Jeans, Oppo, Tira, Boat, Pantaloons, Nilkamal, Sonata, Lenskart etc after 20000 or during birthday month. Flipkart's cobranded cards do not give these.

We could have made it better (having a better cap and more partners). But are led by old people who are clueless and do not look at private players as threat.

This makes it a lot interesting.
The main thing I am is will the branch even know about it.

Any online update on site would make it best to show the branch folks and apply.

Waiting for your eligibility part.
Thanks!!

 

[Broodi]

Ok but gift voucher benefit available only on RuPay select and this card name is "Unicorn"

Visa Unicorn is not available. So, visa signature is simple card linked with RuPay unicorn. All 10% reward benefits available only on RuPay Unicorn card spent.

I know. That makes gift vouchers of 132k not 264k a year. Still supreme.

 

[Broodi]

This makes it a lot interesting.
The main thing I am is will the branch even know about it.

Any online update on site would make it best to show the branch folks and apply.

Waiting for your eligibility part.
Thanks!!

Which branch? And when will u visit? They should know ideally. Tell them 10 tarikh ka circular dekhiye Unicorn type kijiye. But better to wait till it's in site and online portal is up. I am yet to apply myself.

 

[Broodi]

There is another risk. 5x might be construed as 1.25% and not 5% by rewardz team (third party vendors and crooks.)

 

[Abhishek012]

There is another risk. 5x might be construed as 1.25% and not 5% by rewardz team (third party vendors and crooks.)

Any details about upcoming - Union Bank Metal Int Nexteria RuPay EKAA Credit Card ?

 

[Sai_Kiran]

5% reward rate in birthday month
5% reward rate in spends above 20k each month
Dual Rupay Visa variant
Upto 16 cards on cost of one with free add-ons and virtual for each.
10 lounges a year.
Priority Pass
1000 Rs. Free voucher each month (no minimum spend)
Flat 250 off on BMS (no min spend) each month
LTF Amazon Prime, Hotstar, Sony Liv, Zee5
3m Swiggy 1 each year
1500 MMT off each year
16 spas each quarter
Unlimited Golf
Milestone benefits of 2500
Activation benefit 1000 extra back in spending 10k in 1st month. (in addition to the 100-500 eligible on it). Effectively 10000 Amazon voucher from Amazon at 8900 to 8500. Awesome deal.

This might be the best PSU CC now other than Aurum for Wealth with its 6% flat reward rate.

When PSUs enter the accelerated reward game, pvt market will collapse.

What do you know about Union Bank Metal Int Nexteria RuPay EKAA CARD ?

 

[safetorpedo2]

Am I dreaming 😳

 

[pinki]

I am an employee. It's not on site yet but is live from today and we can issue it from today. And can be availed against deposits for free and for income/TRV appropriate wealth relationships for free and for others it's 2400+GST (no waiver possible for others and rejection rate is high).

Exact criteria is yet to be out but will be out soon. Today was our foundation day.

Ab drawback bolta hoon.

Maximum monthly rewards capped at 2500. Which makes maximum 66000 spends a month usable for 4.18% effective reward rate without vouchers.

But when you add vouchers worth 264000 a year, 8 Times Prime, 8 Amazon Prime, 8 Hotstar, 8 Sony Liv, 8 Zee 5 (Total 59960) plus Cultfit Elite (45690) and the spa and health check ups (around 64000) without counting golf and lounges, your rewards will be 466150 on spends of 776000 (60.08% Rewards on spending). 400000+ rewards on doing nothing.

Also 10% reward rate on Flipkart, Myntra, Fastrack, Titan, GoIbibo Hotels, Cleartrip, Lifestyle stores, Adidas, Pepe Jeans, Oppo, Tira, Boat, Pantaloons, Nilkamal, Sonata, Lenskart etc after 20000 or during birthday month. Flipkart's cobranded cards do not give these.

We could have made it better (having a better cap and more partners. But are led by old people who are clueless and do not look at private players as threat.

I heard about it first here as I didn't attend GFF and didn't saw the tweet (nor was the info mailed to us.) My friends from digitisation didn't visit GFF either. Our CC dept later confirmed that something really premium is coming. It is great but halfway there. We can beat Infinia if they listen to feedback.

Slowly you can apply digitally for this btw. Painful though. We had a decent app. They updated it for cooler UI/UX and the updated app sucks. Not as bad as the HDFC new one. But nowhere as good as what our previous one used to be.

I first heard about the brouhaha about our RSDC here and was surprised. I thought all those features were only for our HNI Emperio Card (the best Debit Card in the industry, yeh main bol sakta hoon. Better than Kotak 811 and HSBC Premier or Aurum for Wealth. Jabki this isn't even as good as Aurum for Wealth) because basic RSDC circular me yeh sab nahi mentioned tha. Fir Rupay site me I saw ki yeh sab hain and promptly applied. Lol.

That's insane.

Hope u add up eligibility criteria soon!

 

[Broodi]

What do you know about Union Bank Metal Int Nexteria RuPay EKAA CARD ?

Heard it first here. Will ask tomorrow and confirm. Given its Ekaa, it clearly won't have "reward points" as it's catch and nor will it be issued to employees and even people here unless they keep shitloads of money with our bank.

Unicorn ka to GFF me teaser aaya tha and tweet bhi hua tha. Iska kuch nahi aaya kabhi. Only ekaa site me hain.

BTW if 5x is interpreted as 1.25 by them and not 5 multiplied by 4 then please kick a Twitter/Insta/FB storm and if possible take us to the ombudsman. Kuch bhi chutiyapa karte hain Rewardz waale and jabtak Rewardz ka contract nahi hoga cancel, we won't become a serious CC player.

Multiple Ombudsman complaints and fines will maybe get us to act against them. Young emoyees kuch bhi bole budhe uncles thodi sunte hain. Old fossils. Kabse bola hua hain Rewardz band karo and apna portal banao with acccelerated store. Kisi fossil bheje me hi nahi jaata.

Normal Rupay Select/Visa Signature ka 10x they imply as 10 extra points per 100 not 40 extra points per 100. 😹

So 10x for a Classic/Gold whose base rate is 1 is 10 and for a Signature/Rupay whose base rate is 4 is also 10 for Rewardz. Lol.

 

[Broodi]

Anyways regarding EKAA, all issuers put together will issue less than 10k Ekaa cards per year. So "rewards" or vouchers or milestones won't be the catch for it. All I know is that every Ekaa will make Centurion look pedestrian, though it won't be as exclusive. Bola jayega by invite only but criteria rahega.

 

[danish]

I am an employee. It's not on site yet but is live from today and we can issue it from today. And can be availed against deposits for free and for income/TRV appropriate wealth relationships for free and for others it's 2400+GST (no waiver possible for others and rejection rate is high).

Exact criteria is yet to be out but will be out soon. Today was our foundation day.

Ab drawback bolta hoon.

Maximum monthly rewards capped at 2500. Which makes maximum 66000 spends a month usable for 4.18% effective reward rate without vouchers.

But when you add vouchers worth 264000 a year, 8 Times Prime, 8 Amazon Prime, 8 Hotstar, 8 Sony Liv, 8 Zee 5 (Total 59960) plus Cultfit Elite (45690) and the spa and health check ups (around 64000) without counting golf and lounges, your rewards will be 466150 on spends of 776000 (60.08% Rewards on spending). 400000+ rewards on doing nothing.

Also 10% reward rate on Flipkart, Myntra, Fastrack, Titan, GoIbibo Hotels, Cleartrip, Lifestyle stores, Adidas, Pepe Jeans, Oppo, Tira, Boat, Pantaloons, Nilkamal, Sonata, Lenskart etc after 20000 or during birthday month. Flipkart's cobranded cards do not give these.

We could have made it better (having a better cap and more partners). But are led by old people who are clueless and do not look at private players as threat.

I am an employee. It's not on site yet but is live from today and we can issue it from today. And can be availed against deposits for free and for income/TRV appropriate wealth relationships for free and for others it's 2400+GST (no waiver possible for others and rejection rate is high).

Exact criteria is yet to be out but will be out soon. Today was our foundation day.

Ab drawback bolta hoon.

Maximum monthly rewards capped at 2500. Which makes maximum 66000 spends a month usable for 4.18% effective reward rate without vouchers.

But when you add vouchers worth 264000 a year, 8 Times Prime, 8 Amazon Prime, 8 Hotstar, 8 Sony Liv, 8 Zee 5 (Total 59960) plus Cultfit Elite (45690) and the spa and health check ups (around 64000) without counting golf and lounges, your rewards will be 466150 on spends of 776000 (60.08% Rewards on spending). 400000+ rewards on doing nothing.

Also 10% reward rate on Flipkart, Myntra, Fastrack, Titan, GoIbibo Hotels, Cleartrip, Lifestyle stores, Adidas, Pepe Jeans, Oppo, Tira, Boat, Pantaloons, Nilkamal, Sonata, Lenskart etc after 20000 or during birthday month. Flipkart's cobranded cards do not give these.

We could have made it better (having a better cap and more partners). But are led by old people who are clueless and do not look at private players as threat.

what is minimum fd amount for Union bank RuPay Unicorn Select Credit Card against fd

 

[BhaiyaJi]

All of a sudden this is now very interesting. Thank god I replied on this hread last time.

 

[Nikhilize]

Having a savings account is mandatory to get a credit card from UBI?

 

[Broodi]

what is minimum fd amount for Union bank RuPay Unicorn Select Credit Card against fd

Will check and let you know. Customer, deposit based and baaki features ka circular nahi aaya hain. But 12 lakh plus should make it free.

Base limit waali 56000 ke aa jayegi but won't be free.

 

[Broodi]

Having a savings account is mandatory to get a credit card from UBI?

No. You can get as a Home Loan customer in paper. Also you can join in as a CC customer when Union Ease app is launched. But reject hoga 850 CIBIL and 1cr annual income me bhi mostly without existing relationship of they code it harsh and make one Union statement autofetching mandatory. Cure? Open account (nil balance), wait 3 days and kaboom.

 

[Nikhilize]

No. You can get as a Home Loan customer in paper. Also you can join in as a CC customer when Union Ease app is launched. But reject hoga 850 CIBIL and 1cr annual income me bhi mostly without existing relationship of they code it harsh and make one Union statement autofetching mandatory. Cure? Open account (nil balance), wait 3 days and kaboom.

Thanks, any good debit card which I can get with zero balance savings account since we can't get rsdc?

 

[Broodi]

What do you know about Union Bank Metal Int Nexteria RuPay EKAA CARD ?

200 dollars credit to Hotelux each year
International Lounges, conceitge and fast track immigration free for all add ons and guests.
Unlimited gold across the world
Club ITC Culinaire life time membership with usual rewards (1+1 dining/spa, 2+1 stay).
BMS 500 BOGO (worse than Unicorn tbh which is flat 250 off) and unnecessary.

Rewards are being worked upon but might have the usual 2500 Rs. per month cap made by our external vendors which will make this unrewarding.