Union Bank of India Divaa RuPay Credit Card VS Union JCB Health Credit Card VS Union JCB Wellness Credit Card VS Union Platinum RuPay Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Union Bank of India Divaa RuPay Credit Card
Union JCB Health Credit Card
Union JCB Wellness Credit Card
Union Platinum RuPay Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
No joining fee and low annual fee of ₹499 + GST, with a spend-based waiver at ₹30,000.
Complimentary domestic and international lounge access plus 24/7 concierge services for travel convenience.
Personal accident insurance up to ₹2 lakh and optional higher accidental cover for enhanced security.
Interest-free credit period up to 50 days and 1% fuel surcharge reimbursement up to ₹100 monthly.
UPI on credit card via BHIM app and exclusive discounts at women-focused brands like Nykaa and Lakme Salon.
Pros
Key benefits and features.
Low and waivable annual fee of ₹499 + GST reduces cost for moderate spenders.
Complimentary domestic and international lounge access enhances travel convenience.
Free personal accident coverage up to ₹10 lakhs adds valuable financial protection.
UPI payment facility enables secure and seamless digital transactions.
Milestone reward points and wellness services worth ₹31,750 boost overall value.
Pros
Key benefits and features.
Annual benefit package valued around ₹22,000 delivers strong wellness and travel perks for the price.
Milestone reward points on ₹1.5L, ₹2L, and ₹2.5L spends amplify long-term cardholder value.
Low ₹999 + GST annual fee is fully waived with ₹1 lakh annual spend, making ownership cost-effective.
Comprehensive wellness benefits include free health check-ups, gym trials, spa discounts, and golf access.
Dual complimentary lounge programs and 50-day interest-free credit enhance lifestyle and cash-flow flexibility.
Pros
Key benefits and features.
Nil joining fee keeps upfront costs low while offering cashback and reward points on routine spends.
Consistent cashback on utility bills, mobile wallet top-ups, and IRCTC bookings boosts everyday value.
Complimentary insurance covers including accidental air death up to Rs. 8 lakhs add useful protection.
Fuel surcharge waiver of 1% capped at Rs. 100 per month reduces fuel transaction costs.
Low redemption threshold of 100 points with flexible options via Union Rewardz enhances usability.
Cons
Key drawbacks and limitations.
No welcome benefits or joining perks, making the initial value proposition modest for new users.
Lounge access limited to 2 domestic visits per quarter and 2 international visits annually, which may fall short for frequent travelers.
No specific dining or entertainment discounts, reducing appeal for lifestyle-focused spend categories.
Rewards redemption value is modest at ₹0.25 per point, below top-tier cards with higher redemption rates.
Limited to women applicants with defined income and documentation requirements, narrowing eligibility.
Cons
Key drawbacks and limitations.
No introductory or welcome perks limit immediate value upon joining.
No discounts or rewards on entertainment or dining reduce lifestyle appeal.
Selective approval for non-Union Bank account holders lowers accessibility.
2.5% monthly interest rate is relatively high compared to competitive offerings.
3% foreign currency markup makes international spends costlier.
Cons
Key drawbacks and limitations.
No welcome benefits reduce immediate value for new cardholders upon joining.
Absence of dining or movie discounts limits everyday category savings despite a wellness positioning.
Eligibility restricted primarily to Union Bank customers with a ₹7.5 lakh minimum annual income.
Rewards rate is modest outside dining and shopping, capping broad-spender appeal.
Optional accidental insurance premium is an extra cost that can offset perceived wellness savings.
Cons
Key drawbacks and limitations.
No domestic or international lounge access limits premium travel privileges for frequent flyers.
Absence of movie or dining-specific benefits reduces appeal for entertainment-focused users.
Renewal fee of Rs. 299 + GST applies unless the Rs. 30,000 spend condition is met annually.
Limited premium-tier perks and basic reward rate may feel underwhelming for high spenders.
Card must be applied for in person at a Union Bank branch as online application is unavailable.