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

[shu_sha_]

https://casa.unionbankofindia.bank.in/savings-account/landing

All these are nil balance. Go ahead.

This variant is restricted to ETB. I was talking about normal CC issuance policy.

Does Union Bank allow multiple credit cards to the customer?
Thinking to apply Unicorn before Nexteria arrives

 

[Broodi]

JCB Health card jada popular nahi hua.

actually Union bank easily dete he nahi hai credit card toh kya he popular hoga.

Health card also JCB variant, so we will get 25% cashback on RuPay JCB International offer.

Bhai forget vouchers and cashback and rewards for a moment. Think of real life things that people need.

Health addresses those. It wont appeal to 20 something's but elders ke liye it will. What value is 1000 rupees voucher or 2500 cashback a month to them? Do they have time to enjoy Prime Videos (waise bhi they have it already). Health offers something that they can actually make use of and save them sometimes upto 10k. Do the maths. And it too has accelerated rewards higher than Select.

Credit cards, deposits and CASA aren't a focus area for our bank (I will change it if when go up.) We are focused on RAM mainly and corporate advances. And corporate advances me bhi rejection acceptance se zyaada hota hai.

 

[Abhishek012]

Bhai forget vouchers and cashback and rewards for a moment. Think of real life things that people need.

Health addresses those. It wont appeal to 20 something's but elders ke liye it will. What value is 1000 rupees voucher or 2500 cashback a month to them? Do they have time to enjoy Prime Videos (waise bhi they have it already). Health offers something that they can actually make use of and save them sometimes upto 10k. Do the maths. And it too has accelerated rewards higher than Select.

Credit cards, deposits and CASA aren't a focus area for our bank (I will change it if when go up.) We are focused on RAM mainly and corporate advances. And corporate advances me bhi rejection acceptance se zyaada hota hai.

Ya, kuch logo k pas hai yeh Health card.

 

[Sai_Kiran]

Please wait. It's not even listed on website or integrated with any of our existing relationship tiers yet.

So currently it's not LTF for any tier except staff. It's chargeable.

Let it be integrated and then you will know kiske liye free hain and kaise free Hain.

Does Staff members can apply any Card for Free

even HNI Emperio DC without having SBHNP [ 10 Lakh QAB ] account , Elite DC , & other DCs ?

 

[Broodi]

Yeah totally understandable.

Just contact me when it's listed on website please.

Listed and as expected Abhishek who snitched on us to NPCI posted first.

Why @Abhishek012

 

[Broodi]

Visit unioncards website, there we can directly select the Unicorn credit card.


As of now card is not attractive because Add on also has ₹2400 fees , where as PNB Elite DC give more benifits in 1/4 of joining fees & ~1/3 of annual fee ]

Elite gives 5% reward rate across categories?

 

[Broodi]

Not popular for you as none of these benefits are listed in Rupay site. All these are also provided by NPCI waise. Not by us. 🙂

JCB Health card jada popular nahi hua.

actually Union bank easily dete he nahi hai credit card toh kya he popular hoga.

Health card also JCB variant, so we will get 25% cashback on RuPay JCB International offer.

 

[Broodi]

Does Union Bank allow multiple credit cards to the customer?
Thinking to apply Unicorn before Nexteria arrives

Policy me koi restriction nahi hain as long as it doesn't cross 10% of your income/60-80% of your AQB in savings account/90% of your deposit based on your application mode, provided you are eligible.

Does Staff members can apply any Card for Free

even HNI Emperio DC without having SBHNP [ 10 Lakh QAB ] account , Elite DC , & other DCs ?

Except the Metal DCs yes. CCs me no restriction. Metal me restriction not due to features. But due to manufacturing costs. If staff do not use a product, how will they sell it? One of the reason why Emperio or Elite aren't as popular as RSDC. Since staff ko first hand idea nahi hain.

 

[Sai_Kiran]

As of now card is not attractive because Add on also has ₹2400 fees , where as PNB Elite DC give more benifits in 1/4 of joining fees & ~1/3 of annual fee ]

Elite gives 5% reward rate across categories?

i said like , Students/others , who don't spend , PNB elite gives more benifits

• This Union Card 5% return looks good for Education fee payment & other bank CC Excluded categories. as we directly redeem points into Statement credit [ Cashback ] .
• This card will be very usefull👍 , for those whose Group A limit is over in Axis Atlas.. & also to them who are not eligible for premium cards

 

[Abhishek012]

Not popular for you as none of these benefits are listed in Rupay site. All these are also provided by NPCI waise. Not by us. 🙂

Woh ek separate website pe hai dekha tha, jab launch hua tha.

 

[Sai_Kiran]

Except the Metal DCs yes. CCs me no restriction. Metal me restriction not due to features. But due to manufacturing costs. If staff do not use a product, how will they sell it? One of the reason why Emperio or Elite aren't as popular as RSDC. Since staff ko first hand idea nahi hain.

i don't know, who designed/created HNI Emperio DC, they gave better benifits like

• ₹24k worth ITC Culinaire Select
• Flat ₹500 off on Book my Show
• & other RSDC Benifits

But they forgot about Reward rate.

-> Even Union Udaan [ 10k QAB ]account's Visa Signature DC has better reward rate of 1% than 0.25% reward rate of SBHNP [ 10 Lakh QAB ] account's HNI Emperio DC.​

​

​

Hoping New upgraded HNI Emperio DC comes with Rupay Ekaa & all voucher benifits , etc in Future.

any new Premium account or Premium debit cards creation in Union Bank,[ like 50 lakh QAB Canara Crest + account ]

 

[Broodi]

i don't know, who designed/created HNI Emperio DC, they gave better benifits like

• ₹24k worth ITC Culinaire Select
• Flat ₹500 off on Book my Show
• & other RSDC Benifits

But they forgot about Reward rate.

-> Even Union Udaan [ 10k QAB ]account's Visa Signature DC has better reward rate of 1% than . 25% reward rate of SBHNP [ 10 Lakh QAB ] account's HNI Emperio DC.​

​

​

Hoping New upgraded HNI Emperio DC comes with Rupay Ekaa & all voucher benifits , etc in Future.

any new Premium account or Premium debit cards creation in Union Bank,[ like 50 lakh QAB Canara Crest + account ]

Emperio is not a premium card buddy. 10 lakh TRV me aur kya chahiye?

We don't issue premium cards as CASA or deposits is not a focus area for us. Our CASA ratio is amongst the lowest in the industry. Last dedh saal se we are reducing our total deposit base infact.

Even Vyom mixing is strategically aimed at reducing deposit base.

 

[Broodi]

i said like , Students/others , who don't spend ,

They should not be applying for this or any paid card. 🙂

Multiple great free options exist.

 

[Broodi]

Woh ek separate website pe hai dekha tha, jab launch hua tha.

And NPCI paid that separate website

 

[Broodi]

i don't know, who designed/created HNI Emperio DC, they gave better benifits like

• ₹24k worth ITC Culinaire Select
• Flat ₹500 off on Book my Show
• & other RSDC Benifits

But they forgot about Reward rate.

-> Even Union Udaan [ 10k QAB ]account's Visa Signature DC has better reward rate of 1% than 0.25% reward rate of SBHNP [ 10 Lakh QAB ] account's HNI Emperio DC.​

​

​

Hoping New upgraded HNI Emperio DC comes with Rupay Ekaa & all voucher benifits , etc in Future.

any new Premium account or Premium debit cards creation in Union Bank,[ like 50 lakh QAB Canara Crest + account ]

Suggest Kiya to tha but upper management aren't interested. We have a new CEO who said he is pro CASA. Let's wait a quarter to see him walk the talk. We have launched multiple new CA variants kal. Savings ka nothing yet. And a CASA championing CGM has gone to Strategy. So hopefully we will give all that in the future. All in the air though. Pehle further PSU condomidation hone do. GoI owns 40+ banks directly or indirectly. Far too many. Unfortunately atleast 1 more year to go.

 

[Broodi]

i don't know, who designed/created HNI Emperio DC, they gave better benifits like

• ₹24k worth ITC Culinaire Select
• Flat ₹500 off on Book my Show
• & other RSDC Benifits

But they forgot about Reward rate.

-> Even Union Udaan [ 10k QAB ]account's Visa Signature DC has better reward rate of 1% than 0.25% reward rate of SBHNP [ 10 Lakh QAB ] account's HNI Emperio DC.​

​

​

Hoping New upgraded HNI Emperio DC comes with Rupay Ekaa & all voucher benifits , etc in Future.

any new Premium account or Premium debit cards creation in Union Bank,[ like 50 lakh QAB Canara Crest + account ]

Nexteria me waise ITC hainy BMS 250 hain and aise thode features hain. Not launched. Not even finalised. Team is working. Let Rupay launch Ekaa uske baad do.

 

[sasha]

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Unauthorized Activity Has Been Detected​

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🤣 🤣

I am also getting same error while using chrome. Page opens on Mozilla

 

[James231]

Does Union Bank allow multiple credit cards to the customer?
Thinking to apply Unicorn before Nexteria arrives

You could also get the Unicorn card now and convert it to Nexteria when it launches. That's also an option. Union Bank is good with card conversion as long as you meet the eligibility criteria.

 

[Broodi]

I do but will nexteria have similar add-on benefits?

Nexteria launch timeline and offers yet to be finalised. Wait.

 

[Abhishek012]

i don't know, who designed/created HNI Emperio DC, they gave better benifits like

• ₹24k worth ITC Culinaire Select
• Flat ₹500 off on Book my Show
• & other RSDC Benifits

But they forgot about Reward rate.

-> Even Union Udaan [ 10k QAB ]account's Visa Signature DC has better reward rate of 1% than 0.25% reward rate of SBHNP [ 10 Lakh QAB ] account's HNI Emperio DC.​

​

​

Hoping New upgraded HNI Emperio DC comes with Rupay Ekaa & all voucher benifits , etc in Future.

any new Premium account or Premium debit cards creation in Union Bank,[ like 50 lakh QAB Canara Crest + account ]

Initially, when PNB and Union Bank introduced RuPay credit cards, the reward rates were lower than their Visa variant
.
later, I raised a complaint with NPCI and the banks, after which they made the RuPay variants match Visa in terms of rewards.
I think the RuPay Select debit card hadn’t been launched during that time. I had only complaint for RuPay credit cards.