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Union Bank Nexteria (RuPay Ekaa) vs CheQ AU (LED card)

Compare Union Bank Nexteria (RuPay Ekaa) vs CheQ AU (LED card) across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Union Bank Nexteria (RuPay Ekaa) leads on reward rate, while CheQ AU (LED card) has the lowest annual fee.

Card 1

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

CheQ AU (LED card)

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.2.4
Union Bank Nexteria RuPay Ekaa
Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

1%

Lounges

Unlimited

Forex

3.5%

Card summary
  • Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,499 annual fee.
  • 1% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Higher ₹25,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
CheQ AU LED card
Balanced value2.4

au / VISA

CheQ AU (LED card)

Annual

₹999

Return

1%

Lounges

2

Forex

3.49%

Card summary
  • CheQ AU (LED card) leans reward-led with ₹999 annual fee, 1% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 1% cashback keeps value easy to understand.
  • 2 lounge access adds travel utility.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
Union Bank Nexteria (RuPay Ekaa)
CheQ AU (LED card)
Fees
Annual fee
₹12,499
₹999
Joining fee
₹12,499
₹1,499
Rewards
Cashback rate
1%
1%
Reward rate
1%
1%
Travel
Forex markup
3.5%
3.49%
Domestic lounges
Unlimited
2
International lounges
Unlimited
0
Benefits
Fuel waiver
No
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹25,00,000
₹30,000

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