Union Bank of India Cards
Union Bank of India - Credit Cards
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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.
Union Bank's Card Lineup Compared
| Card | Annual Fee | Reward Type | Best For |
|---|---|---|---|
| Union Platinum RuPay | ₹299 + GST | Reward Points & Cashback | Lowest-fee everyday card |
| Union Bank RuPay Combo | ₹200 + GST (joining only) | Cashback | Combined debit + credit on one card |
| Union Select RuPay | ₹499 + GST | Reward Points & Cashback | Strongest reward rate in the lineup |
| Union Bank Divaa RuPay | ₹499 + GST | Reward Points | Tailored offers for women cardholders |
| Union JCB Health | ₹499 + GST | Reward Points | Health-linked spending rewards |
| Union JCB Wellness | ₹999 + GST (joining + renewal) | Reward Points | Richer fitness/wellness benefit set |
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.
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.