Union Bank of India Credit Cards
Union Bank of India - Credit Cards
6
₹333
Union Bank of India Divaa RuPay Credit Card
Reward Points, Cashback
About This Bank
About Union Bank of India
Union Bank of India is one of India's largest public-sector banks, formed through the 2020 amalgamation of Andhra Bank and Corporation Bank into the original Union Bank. Its credit card portfolio is built entirely on the RuPay network and spans seven cards: the women-focused Divaa card, the JCB Health and JCB Wellness cards for medical/fitness-linked spending, the RuPay Combo card that merges debit and credit functions, and the Platinum/Select tiers for everyday reward earning. All cards include railway lounge access and utility bill discounts, and existing Union Bank account holders benefit from simplified approval.
Card-by-Card Breakdown
Union Platinum RuPay is the lowest-fee option in the lineup at ₹299 renewal, a reasonable default if you don't need a specific niche benefit (women-focused, health-linked, or combo functionality).
Union Bank RuPay Combo is structurally different from the rest - it merges debit and credit functionality on one RuPay card, charging only a one-time ₹200 joining fee with no ongoing renewal cost.
Union Select RuPay and Union Bank Divaa RuPay both charge ₹499 renewal but target different priorities - Select for the strongest general reward rate, Divaa for offers specifically tailored to women cardholders.
Union JCB Health and Union JCB Wellness both focus on medical/fitness-linked spending, but Wellness charges a joining fee on top of its higher ₹999 renewal - worth it only if its benefit set is meaningfully richer than Health's for your specific needs.
Applying for a Union Bank of India Credit Card
All seven cards run on the RuPay network, so applicants benefit from UPI-linked credit card payments out of the box - a genuine convenience for everyday QR-code purchases, though international acceptance is narrower than a Visa/Mastercard-network card. Existing Union Bank savings or salary account holders typically see faster approval since income and KYC details are already on file; new-to-bank applicants should have PAN, Aadhaar, and income proof ready regardless of which tier they choose.
Explore the full card portfolio below to find the right card for your spending profile.
Featured Union Bank of India Cards
Union Bank of India Divaa RuPay Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
Union Select RuPay Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points, Cashback
Union Platinum RuPay Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹299 + GST
Reward Type:
Reward Points, Cashback
Union JCB Wellness Credit Card
Joining Fee:
₹999 + GST
Renewal Fee:
₹999 + GST
Reward Type:
Reward Points
Union JCB Health Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
Union Bank's Card Lineup Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| Union Platinum RuPay Credit Card | Free (1st year) | Reward Points, Cashback | Lowest-fee everyday card |
| Union Select RuPay Credit Card | Free (1st year) | Reward Points, Cashback | Strongest reward rate in the lineup |
| Union Bank of India Divaa RuPay Credit Card | Free (1st year) | Reward Points | Tailored offers for women cardholders |
| Union JCB Health Credit Card | ₹499 + GST | Reward Points | Health-linked spending rewards |
| Union JCB Wellness Credit Card | ₹999 + GST | Reward Points | Richer fitness/wellness benefit set |
Eligibility Guide
₹3 lakh p.a.
700+
21-60 years
Eligibility
- Age: 21-60 years
- Income: Varies by card variant
- Credit Score: 700+ recommended
- Residency: Indian resident
Check individual card pages for precise eligibility criteria.
All Union Bank of India Credit Cards
Browse & filter all Union Bank of India cards →Union Bank of India Divaa RuPay Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
Union JCB Health Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
Union JCB Wellness Credit Card
Joining Fee:
₹999 + GST
Renewal Fee:
₹999 + GST
Reward Type:
Reward Points
Union Platinum RuPay Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹299 + GST
Reward Type:
Reward Points, Cashback
Union Select RuPay Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points, Cashback
Union Uni Carbon Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points, Cashback