Union JCB Wellness Credit Card – Benefits, Fees & Eligibility

Introduction

The Union JCB Wellness Credit Card, issued by Union Bank of India, is a premium credit card positioned to support cardholders’ overall well-being, fitness, rejuvenation, health, and personal care. It stands out with an annual benefit value of around ₹22,000 and top differentiating perks including complimentary domestic and international airport lounge access, one free round of golf annually, and wellness benefits such as spa services, free gym memberships, and annual health check-ups.

Welcome Benefits

• No welcome benefits are offered for this card.

Fees

• Joining Fee: ₹999 + GST
• Annual Fee: ₹999 + GST
• Spend-Based Waiver: The renewal fee is waived if the cardholder spends ₹1 lakh or more in the previous year.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3%
• Interest Rates: 2.5% per month or 30% annually
• Fuel Surcharge Waiver: A 1% fuel surcharge is waived up to ₹100 every month.
• Cash Advance Charges: ₹250 or 3% of the withdrawal amount (whichever is higher).

Rewards

Rewards Rate

• 4 Reward Points (RP) for every ₹100 spent on dining, shopping, groceries, departmental stores, and apparel.
• 2 RP for every ₹100 spent on all other categories.

Milestone Benefits

• Upon annual spend of ₹1,50,000: 1,000 reward points.
• Upon annual spend of ₹2,00,000: 1,500 reward points.
• Upon annual spend of ₹2,50,000: 2,000 reward points.

Movies & Dining

• Not applicable.

Travel

• Not applicable.

Domestic Lounge Access

• Two complimentary domestic lounge accesses every quarter.

International Lounge Access

• Two complimentary international lounge accesses annually.

Golf

• One complimentary round of golf every year.

Insurance Benefits

• Personal accident insurance coverage worth ₹10 lakhs (free).
• Additional accidental insurance coverage of ₹30 lakhs available, with the premium borne by the cardholder.

Lifestyle & Wellness Benefits

• Free 60-minute Swedish or Aromatherapy massage (one-time); discounted rates for additional sessions.
• Free annual diagnostic health check-up.
• Free 15- or 30-day trial gym membership once a year; option to join a 30-day membership program.
• Complimentary lounge program: two domestic lounge visits per quarter and two international lounge visits per year.
• Complimentary golf session once per year.

Other Benefits

• Interest-free credit period of 20-50 days on purchases.
• UPI payment facility via the BHIM app using the credit card.
• 24/7 concierge services for travel bookings, restaurant reservations, and event tickets (toll-free: 1800-267-8729).
• 1% fuel surcharge waiver up to ₹100 per card per month.

Rewards Redemption Guide

• Rewards can be redeemed for vouchers and products.
• Redemption value: 1 Reward Point = ₹0.25.

Card Eligibility Criteria

• The card is issued primarily to Union Bank of India customers.
• Minimum annual income requirement: ₹7.5 lakhs.
• Age criteria:
  • Salaried individuals: 18-65 years.
  • Professionals: 18-70 years.
• Documentation requirements:
  • For business class: 2 years of Income Tax Returns along with computation sheets.
  • For salaried class: 16 years of Income Tax Returns along with salary slips.
• Documents to submit:
  • Completed application form with full details.
  • Two passport-size colored photographs.
  • Address proof, ID proof, and PAN card copy.
  • Latest Income Tax Returns for 2 years, Form 16, and salary slips.

Card Review

• Who should apply: Individuals focused on health, fitness, and wellness who value complimentary lounge access, annual health check-ups, gym and spa benefits, and a low annual fee.
• Pros:
  • Annual benefit package worth ₹22,000.
  • Milestone rewards upon spending ₹1,50,000 and beyond.
  • Low annual fee with a spend-based renewal waiver.
  • Strong wellness and lifestyle benefits (gym, spa, golf, lounges).
  • Interest-free credit period and UPI payment capability.
• Cons:
  • No welcome benefits.
  • No discounts on dining or entertainment.
• Value: Offers high perceived value for wellness-oriented users despite a modest fee, especially when the spend-based waiver is achieved.

Important Product Details

• Complimentary health check-ups once every year.
• 15- or 30-day free trial gym access program.
• Interest-free credit period of up to 50 days.
• 1% fuel surcharge waiver up to ₹100 per month.
• One complimentary golf round every year.
• Two domestic lounge accesses per quarter and two international lounge accesses annually.
• 24/7 concierge service via toll-free number.
• UPI payments enabled through the BHIM app.
• Personal accident insurance of ₹10 lakhs (free); optional ₹30 lakhs coverage at cardholder’s cost.

Other Details

• Terms and conditions, legal disclaimers, and eligibility nuances are summarized within relevant sections; detailed terms may apply as per issuer policies.