Union Bank of India DIVAA ICON Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Points

First-year fee

₹0

Nil

Annual fee

₹1,499 a year.

What it gives back

2 Reward Points per ₹100 · everyday spends

Read from 7 Union Bank of India documents, last checked 18 Oct 2026.

How it compares

Compared with the cards we have read

₹1,499 annual fee: of the 273 other open cards whose annual fee we have read, 187 state a lower one, 13 state the same and 73 state a higher one.

3% forex markup: of the 291 other open cards whose forex markup we have read, 72 state a lower one, 19 state the same and 200 state a higher one.

Fees

Joining fee
₹0Nil
Annual fee
₹1,499 a year.
Fee waiver rule
Annual fee waived if card usage in the last 12 months from issuance is ₹1,00,000.
Add-on card fee
₹1499.

Rewards

Reward rate
2 Reward Points per ₹100 · everyday spends2 Reward Points for every ₹100 spent.

Card benefits

Domestic lounge access
Domestic Lounge Access: 2 per Qtr.
International lounge access
International Lounge Access: 2 per Year.
Hotel or travel programme
Make My Trip: Flat ₹1500 off on flights, Once Annually.
Dining programme
3-month Swiggy membership: unlimited free deliveries on Swiggy and Swiggy Instamart.
Movie or entertainment ticket benefit
Book My Show: Flat ₹250 Off on minimum purchase of 2 movie/non-movie tickets, Once per quarter

Also included

Fuel surcharge waiver
1% up to ₹100/- per month
Surcharge on railway tickets
Transaction Charges at Railways 1.5% + IRCTC Charges.
Insurance benefit
Accidental insurance ₹2.00 lakhs (premium borne by NPCI), additional ₹10.00 lakhs.

Charges

Forex markup
3% on foreign currency transactions.
Cash advance fee
3% of Cash Advance or Min. of ₹500.
Cash withdrawal limit
30% of card limit
Interest on unpaid balance
3.00% p.m. / 36% on annualized basis.
Interest-free period
The Interest-free credit period could range from 20 to 50 days
Late payment fee
Outstanding dues up to ₹25,000: ₹200; Outstanding dues above ₹25,000: ₹500
Over-limit fee
2.5% of the over limit amount, Minimum ₹250
Payment return or dishonour fee
Cheque return charges ₹250
Statement or duplicate statement fee
Statement for >3 months ₹50 Per statement.
Card replacement fee
₹499
EMI conversion fee
Processing Fee 2% with a Minimum of ₹200 and Maximum of ₹1,000
What the card's fee or benefit year means
Annual fee is collected in advance at the beginning of the second year of the card.
GST note
All the above Fees & Charges are exclusive of GST
Minimum amount due
5% of real balance plus 100% of fees, charges and GST, plus previous unpaid minimum dues

Eligibility

In the terms, not the brochure (1)

Whether carrying a balance ends the interest-free period
No grace period if the outstanding balance is not paid in full on the due date; interest is payable at the monthly interest rate.

How we know - 7 documents from Union Bank of India, checked 18 Oct 2026

7 documents from Union Bank of India, checked 18 Oct 2026.

On these lists

₹1,499 a year

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