Union Bank of India Divaa RuPay 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 Platinum RuPay Credit Card
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.
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 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.