रुपे सेलेक्ट क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: National Payments Corporation of India (RuPay)
Premium wellness and travel card offering ₹10 Lakh accidental cover, free gym and spa passes, health checkups, and international lounge visits.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
RuPay Select Credit Card is NPCI's premium wellness, lifestyle, and travel tier created to compete with Visa Signature and Mastercard World. Issued by top banks (SBI, PNB, Union Bank, Bank of Baroda, HDFC), it bundles complimentary annual health checkups, spa sessions, gym passes, 8 domestic + 2 international lounge accesses, and an enhanced ₹10 Lakh accidental insurance cover.
Curated wellness and lifestyle privileges: Complimentary annual health checkup, complimentary gym membership access, and spa session passes credited upon card activation.
2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international airport lounge visits per year across 500+ lounges globally via RuPay partner networks (Discover / Diners Club).
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000.
Complimentary rounds of golf (up to 1 per quarter). Complimentary gym/fitness passes (Cult.fit, Gold's Gym). Free spa sessions at premium hotels. Full UPI scan-and-pay capability.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹50,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹50,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with Form 16 OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Wellness perks (gym, spa, health checkup) require booking slots through the NPCI RuPay portal and are subject to partner facility availability in major metro cities. Forex markup is 3.00%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit issuing bank's credit card portal or open mobile banking app. Step 2: Enter PAN and mobile number for soft eligibility evaluation. Step 3: Select RuPay Select Credit Card from the premium tier. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days; activate wellness perks on rupay.co.in.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on RuPay Select Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; tiered late fee from ₹400 to ₹1,300 (+ GST) based on outstanding balance.. In addition, revolving finance charges at 3.49% per month (41.88% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on RuPay Select Credit Card into EMI?
Yes, National Payments Corporation of India (RuPay) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on RuPay Select Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into National Payments Corporation of India (RuPay)'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 against travel vouchers, luxury brand merchandise, or statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on RuPay Select Credit Card and how does it work?
The interest-free period on RuPay Select Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.49% per month (41.88% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.