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Union Bank’s Rupay Combo Debit Cum Credit Card

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:

Sr. No. Feature Debit Card Credit Card
1. Card Variant Platinum Select
2 Daily cash withdrawal limit – ATM 40,000 20 % of Card limit
3. Daily shopping limit- PoS & internet 60,000 Upto card limit
4. Total Daily limit 1,00,000 Upto card limit
5. Validity 5 Years 5 Years
6. Average Quarterly Balance 3,000 NA
7. Personal accidental insurance 4 lakh 20 lakhs
8. Card issuance charge Rs. 200/- + Taxes per card
Additional benefits:

RuPay Debit Platinum

RuPay Credit Select

Complimentary Lounge Program at 25+ domestic lounges and 500 + international lounges

Complimentary Lounge Program at 25+ domestic lounges and 500 + international lounges

Cash back on Utility Bill Payments

Cashback on Utility Bill Payments and Dining

Exclusive Merchant Offers

Exclusive Merchant Offers

24/7 Concierge Services

24/7 Concierge Services



  • Rewarded


    Earn reward points on transactions made at POS and e-commerce outlets

  • Book your locker

    Book your locker

    Deposit lockers are available to keep your valuables in a stringent and safe environment

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    Connect to our financial advisors to seek assistance and meet set financial goals.

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