PNB RUPAY SELECT VS UNION BANK RUPAY SELECT

[Andy1]

Which RUPAY SELECT credit card is better between PNB and UNION BANK ?Also tell me whether we'll get reward points on paying with upi.

 

[4uziaul]

Can we upgraded rupay platinum to select or we need to apply other card ??

You can upgrade provided you meet the income criteria.

 

[girish3456]

You can upgrade from Rupay Platinum CC to Rupay Select CC. Search this forum, already discussed.

I have converted from Visa Gold card --> PNB Rupay Platinum credit card --> PNB Rupay Select credit card in Jan 2024.

Also you will earn reward points for UPI transactions too

 

[VHARIA]

PNB has less exclusions. Pretty easy to qualify for fee waiver (use once every quarter). Online application process and higher application acceptance ratio. Low reward rate of 0.66%. For application to process it takes 2 months on average. App is decent. Limit provided might be low.

Union Bank has a few exclusions. Need Bank account to apply. Offline process. High chances of rejection of application especially if you hold multiple credit cards with high limits. Reward rate is 1%. App is decent. Limit is minimum 2L.

 

[moneyMaker]

BoB DI card