Union Bank’s Rupay Combo Debit Cum Credit Card is a Rupay International 2-in-1 card that allows cardholders to enjoy the convenience, flexibility and freedom to choose in a single physical card for the debit /credit transaction facility and they need not to carry two cards.

To enable cardholders to choose between credit and debit card facility, there are two different card numbers, separate chips, separate magnetic stripes and two different CVV numbers. Cardholder has to generate green PIN for debit card and credit PIN can be generated from the website www.unionbankonline.co.in. There is indication on both horizontal ends of the card to enable cardholder to choose credit or debit card.

Cardholders can use combo card as debit card linked to his/her bank account by inserting/swiping ‘debit card’ side of the card in ATM/POS card reader and enter the debit card PIN for financial and non financial transactions at ATM and purchases at POS machine. Transaction initiated with the card will appear on the statement of cardholder’s bank account.

For eCommerce (online) transactions , cardholder has to enter card credentials, “Debit card number, expiry date, CVV and mobile OTP for transaction from debit card” and “ credit card number, expiry date, CVV and OTP for transaction from credit card” on merchant website/mobile app to make the payment. The transaction will be authenticated using the one time password (OTP) sent on the cardholders number cardholder has registered with us.

The features of Union Bank Combo Debit Cum Credit card are as under: