Union Bank of India DIVAA ICON Credit Card
Union Bank of India
Annual / renewal fee
- ₹1499/- for primary card.
- ₹1499/- for add-on card (exclusive of GST).
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Earn rate
2 Reward Points for every ₹100 spent (1 Reward Point = ₹0.25).
VerifiedDIVAA ICON Credit Card product page2 Aug 2026, 9:00 PM ISTUnion Bank of India
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at unionbankofindia.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at unionbankofindia.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
DIVAA ICON Credit Card by Union Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
NIL for both primary and add-on card.
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Annual / renewal fee
- ₹1499/- for primary card.
- ₹1499/- for add-on card (exclusive of GST).
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Fee waiver
Annual fee waived if credit card usage in last 12 months (from credit card issuance date) is ₹2,00,000/-.
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Rewards
2 Reward Points for every ₹100 spent (1 Reward Point = ₹0.25).
VerifiedDIVAA ICON Credit Card product page2 Aug 2026, 9:00 PM IST
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Group Personal Accidental (death) Insurance Coverage of ₹10,00,000/- (premium borne by cardholder).
- Additionally, NPCI-provided free Accidental Death coverage of ₹2,00,000/- (premium borne by NPCI).
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Eligibility
Eligibility
Female Only (RuPay Platinum variant).
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Charges & interest
Forex markup
Foreign Currency Markup Fee: 3%.
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Charge
- Effective September 25, 2025 (exclusive of GST): Card Replacement Charges ₹499/- (Divaa Icon).
- Cash Advance interest @2.5% p.m. (30% annualized).
- Cash Withdrawal Fee at own/other Bank ATMs 3% of Cash Advance or Min. ₹500/-.
- Lost Card Charges NIL.
- Charge slip Request ₹200/-.
- Temporary Enhancement ₹200/- per occasion.
- Hot Listing Charges Nil.
- Hot Listing Charges if MPD not paid ₹200/-.
- Balance enquiry at own Bank ATM Nil, at other Bank ATM ₹20/-.
- Green PIN Charges Nil.
- Cheque Return Charges ₹250/-.
- Over limit Charges 2.5% of over limit amount, Min. ₹250/-.
- Foreign Currency Markup Fee 3%.
- Transaction Charges at Railways 1.5% + IRCTC Charges.
- Late Payment Charges ₹200/- (dues up to ₹25,000/-), ₹500/- (dues above ₹25,000/-).
- Statement for >3 months ₹50/- per statement.
- Finance charge (interest) 3.00% p.m. / 36% annualized.
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Fuel surcharge waiver
Fuel Surcharge Waiver: 1% up to ₹100/- per month.
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Interest-free period
- Interest-free (grace) period ranges from 20 to 50 days, applicable only on retail purchases if previous month's balance cleared in full.
- No interest-free grace period for cash withdrawals from ATMs.
VerifiedMost Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card2 Aug 2026, 9:00 PM ISTUnion Bank of India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the DIVAA ICON Credit Card?
Officially traced: Rs. 1499/- for primary card.
Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit CardWhat is the joining fee on the DIVAA ICON Credit Card?
Officially traced: NIL for both primary and add-on card.
Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit CardIs the DIVAA ICON Credit Card annual fee ever waived?
Annual fee waived if credit card usage in last 12 months (from credit card issuance date) is Rs 2,00,000/.
Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit CardHow does the DIVAA ICON Credit Card earn rewards?
2 Reward Points for every Rs. 100 spent (1 Reward Point = Rs. 0.25).
DIVAA ICON Credit Card product pageWhat are the transfer ratios for DIVAA ICON Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the DIVAA ICON Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.unionbankofindia.bank.in/en/details/divaa-icon-credit-card.
VerifiedDIVAA ICON Credit Card product page2 Aug 2026, 9:00 PM ISTUnion Bank of India
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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