Broodi
TF Select
Except for international travellers.
Baaki chheze will be known when this is launched. It's yet to be launched. Ideally should have been on Select as all these normal features are clearly not good enough for Ekaa.
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Union bank RuPay Unicorn Select Credit Card | Blinkit gv, Myntra gv, BMS, Free lounge, Swiggy, MMT 10% off Flight booking etc
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Baaki chheze will be known when this is launched. It's yet to be launched. Ideally should have been on Select as all these normal features are clearly not good enough for Ekaa.
Broodi
TF Select
Everyone can get RSDC free. Just reach out to your HR and open a salary account. 25000 gross (not net) pe hi RSDC free hain with 1.55cr complimentary accident insurance with 15000 free additional mediclaim for hospital cash (credited directly to card holder). Home loans/vehicle loans pe nil processing for card holders, 50% concession in locker rent and .10 ROI concession on retail loans (our retail interests are usually lowest in the country, but filhaal Canara is lower). 0.1 looks nothing but works out to around 4 lakhs for the life term of a home loan.
Pros and cons bhi bolta hoon
Pros? Insurance cover hamara market me highest hain, effective loan rates for you will always be lowest with RSDC. Staff are well informed and well behaved.
Cons? Our network infrastructure isn't always up and management keeps tinkering with our mobile banking app. And our NetBanking site absolutely sucks.
Don't be fooled by "10 lakh minimum balance chahiye for free RSDC" claims by BM. You can make it free by contacting HR even at 25k gross. 🙂
And agar koi bole "we can't give RSDC even for fees for lower variants" woh bhi galat hain. For fees, we can give everyone. Bus higher office se permission lagegi branch ko and 3-7days wait karni pad sakti hain depending on location, command chain involved and rapport. Rapport theek Raha BM ka upar to same day karwa dega ya flat exception already le rakha hoga apne branch pe.
How to apply to get the Unicorn CC for Union bank home loan customers? Fees will be charged?
Ekaa is an ultra-premium card and it will have even better benefits.
It’s also possible that multiple Ekaa credit cards will be launched in the future.
For example, the first Union Bank RuPay-Discover Select Credit Card didn’t have many benefits.
Later, Union Bank launched the RuPay-JCB Select Wellness Credit Card, which had more benefits.
After that now the Union Bank RuPay Unicorn Select Credit Card launched.
Similarly, multiple Ekaa credit cards may also be introduced in the future.
Broodi
TF Select
Based on home loan LTV fees may be waived. Check with manager.
Yeh main general CC ki bol raha hoon. Unicorn ke liye wait till it's updated on site and KFS/MITC.
Yeh main general CC ki bol raha hoon. Unicorn ke liye wait till it's updated on site and KFS/MITC.
Broodi
TF Select
The best JCB card for us is not a Select. Its JCB Health on Rupay Platium. Beats everything that Ekaa offers except hotel.
Unfortunately for redemption of offers, you will need to call helpdesk or mail as the benefit partner is yet to renew contract with NPCI & NPCI is manually providing all redemptions now.
Other than the paltry milestone benefits & international travel, Discover Select is a lot superior than JCB Wellness Select. Even Diva Platinum or UniCarbon Platinum (underrated gem with 5.5% reward rate with its co-beandint partner) are better than JCB Wellness Select.
Wellness is basically a Platinum card with Select benefits on a few MCC codes.
Unfortunately for redemption of offers, you will need to call helpdesk or mail as the benefit partner is yet to renew contract with NPCI & NPCI is manually providing all redemptions now.
Other than the paltry milestone benefits & international travel, Discover Select is a lot superior than JCB Wellness Select. Even Diva Platinum or UniCarbon Platinum (underrated gem with 5.5% reward rate with its co-beandint partner) are better than JCB Wellness Select.
Wellness is basically a Platinum card with Select benefits on a few MCC codes.
Broodi
TF Select
Hopefully December end. So Q426 or Q127 tak it will be up for public. This isn't what it promised to be though. Not Amex Centurion. Not even Visa Infinite. Just something that's little better than Select.
Broodi
TF Select
So far, the listed benefits are not upto the mark and definitely not ultra-premium (Centurion, First Select, Prive and maybe Premier). It's not even Infinia or EPM level, which are not "ultra-premium".
Something ultra premium will have less than 1000 issuances a year. Ekaa will have around 2.5 lakh issuances a year. 😭😹
If an Ekaa is allowed on a Diners/Amex lounge, it will get as crowded as a Visa Infinite or Rupay Select lounge normally does. Ekaa is a little better than RS but not quite MCWE or VI as all Ekaa issuers lack accelerated platforms. Accelerated platforms add hue PSBs me to Ekaa will rival these two which aren't ultra premium segments like Amex Centurion or IDFC first select or HSBC Prive are.
Ultra Premium is something that is rare. Not something that is necessarily rewarding.
Don't be surprised if Ekaa is launched at a cheap 4 figure price (effective 899.82-1800 fees due to non GST portion as rewards) with something as low as 50k or 100k in 60/90 days as the fee waiver criteria for joining.
Problem with PSUs is that they are neither daring not aggressive. They don't need to be not have an incentive to be.
Sarkaar deposits bhi deti hain and capital bhi.
Our gen is trying to change things. But will take 10-20 years for real change and by then many may retire pre-maturely.
But down the line hona chahiye unless the only survivors are the dumbest amongst our gen. Seniors say ki har gen me dumbest rukte hain 60s tak pittances pe kaam karne ko as GM/CEO (you will cry how poorly these posts are paid in PSBs) while the smartest leave in 20s-30s or retire rich at 40s-50s.
Something ultra premium will have less than 1000 issuances a year. Ekaa will have around 2.5 lakh issuances a year. 😭😹
If an Ekaa is allowed on a Diners/Amex lounge, it will get as crowded as a Visa Infinite or Rupay Select lounge normally does. Ekaa is a little better than RS but not quite MCWE or VI as all Ekaa issuers lack accelerated platforms. Accelerated platforms add hue PSBs me to Ekaa will rival these two which aren't ultra premium segments like Amex Centurion or IDFC first select or HSBC Prive are.
Ultra Premium is something that is rare. Not something that is necessarily rewarding.
Don't be surprised if Ekaa is launched at a cheap 4 figure price (effective 899.82-1800 fees due to non GST portion as rewards) with something as low as 50k or 100k in 60/90 days as the fee waiver criteria for joining.
Problem with PSUs is that they are neither daring not aggressive. They don't need to be not have an incentive to be.
Sarkaar deposits bhi deti hain and capital bhi.
Our gen is trying to change things. But will take 10-20 years for real change and by then many may retire pre-maturely.
But down the line hona chahiye unless the only survivors are the dumbest amongst our gen. Seniors say ki har gen me dumbest rukte hain 60s tak pittances pe kaam karne ko as GM/CEO (you will cry how poorly these posts are paid in PSBs) while the smartest leave in 20s-30s or retire rich at 40s-50s.
Broodi
TF Select
BTW guys, while I have lurked for a few months, I joined recently to comment on our RSDC forum as we ourselves aren't aware that most HNI Emperio (the best DC in the market) are available in our normal RSDC too. Lol. I used to have a RSDC from the time when it was launched but never renewed it. Isi group ke chalte I renewed again. Haven't used cash or DC since lockdown.
What are these tiers like buzz, reserve etc? And I see some folks have followed me but can't see who or follow them back. Is there a video that acts as a guide to this forum?
Thanks in advance for helping out a noob.
.
What are these tiers like buzz, reserve etc? And I see some folks have followed me but can't see who or follow them back. Is there a video that acts as a guide to this forum?
Thanks in advance for helping out a noob.
.
Broodi
TF Select
BTW you knew most of it's features 5 weeks before staff did. You attended GFF or are a fellow staff yourself?
RuPay benefit details update in my post. check again.
Broodi
TF Select
Which post buddy?
RuPay Ekaa is an Ultra Premium Credit Card in the RuPay tier.
This means that all the cards which banks have launched under Visa Infinite will now come under RuPay Ekaa (especially referring to private banks).
After that, it depends on the banks and RuPay as to how many benefits they can offer.
Fintech companies like CRED can also provide excellent benefits.
There will also be multiple RuPay Ekaa credit cards, just like there are multiple variants of the RuPay Select credit card in banks.
For example, Union Bank itself has three variants of the RuPay Select Credit Card.
Currently, the plan for RuPay Ekaa Credit Card includes unlimited lounge access.
And since lounge access on other cards is being devalued, RuPay Ekaa will offer strong competition at a particular price point.
For example, Bank of India has stated that the RuPay Ekaa card will be priced at ₹5,000 and cardholders will also get gift vouchers worth ₹5,000, along with various additional benefits and unlimited lounge access.
This benefit will offer to the first RuPay Ekaa Credit Card from Bank of India but in the future, more RuPay Ekaa Credit Cards will be launched by the bank.
main post 🤣 🤣
Union bank RuPay Unicorn Select Credit Card | Blinkit gv, Myntra gv, BMS, Free lounge, Swiggy, MMT 10% off Flight booking etc:
8 Free Domestic and International lounge,
Free Aromas Spa per quarter,
Blinkit gv, Myntra gv, Nykaa gv
Free Bookmyshow tickets,
3 months SwiggyOne membership
MMT - Flight booking Flat 10% off upto Rs1500
8 Free Domestic and International lounge,
Free Aromas Spa per quarter,
Blinkit gv, Myntra gv, Nykaa gv
Free Bookmyshow tickets,
3 months SwiggyOne membership
MMT - Flight booking Flat 10% off upto Rs1500
Proposed Reward Points Structure -
1. Activation Benefit
- Spend ₹10,000 within the first 30 days of card activation and earn 4,000 bonus...
Broodi
TF Select
Exactly my point buddy.
It's just like Visa Infinite. Which is nowhere in the same book as "ultra premium" much less same page.
Ultra Premium is something like this.
Private Lounge to yourself, with a Michelin star chef with a private security check in and a car that drops you to the flight before or after everyone else.
Basically the Presidential Lounge in airports on steroids.
Ultra premium doesn't offers benefits in hotels as people in that segment don't stay in hotels. They own hotel chains and have owned/networked palaces to stay in everywhere they go to.
Those people? People like Trump or Bachchan or Tendulkar etc., if they need to stay in hotels, hotels will pay them to stay and grace their Presidential Suites.
That's ultra premium.
And the 5000 point proves it.
True Ultra Premium cards charge 6 digits in fees not 4. IDFC First Select is at discount currently but will eventually be raised to 6 figures.
Broodi
TF Select
Do you work for NPCI by any case? If yes, I have a complaint and a few suggestions. Great going btw. Best network and innovations overall.main post 🤣 🤣
Union bank RuPay Unicorn Select Credit Card | Blinkit gv, Myntra gv, BMS, Free lounge, Swiggy, MMT 10% off Flight booking etc:
8 Free Domestic and International lounge,
Free Aromas Spa per quarter,
Blinkit gv, Myntra gv, Nykaa gv
Free Bookmyshow tickets,
3 months SwiggyOne membership
MMT - Flight booking Flat 10% off upto Rs1500
Proposed Reward Points Structure -
1. Activation Benefit
- Spend ₹10,000 within the first 30 days of card activation and earn 4,000 bonus...
Broodi
TF Select
5x is 5% btw according to our product team. And I am certain that Rewardz will still make that 1.25%.
Broodi
TF Select
Wrong info from my side. It's just a normal Infinite type thing but cheaper and fewer rewards. Nothing special.
Around 20k per issuer will be issued each year.
Woh Cred waala hyped this bematlab ka kuch zyaada hi.
safetorpedo2
TF Premier
Protect this guy at all costs 
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