Union JCB Health 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

₹499 to join.

Annual fee

₹499 a year.

What it gives back

2 Reward Points per ₹100 · everyday spends

Read from 6 Union Bank of India documents, last checked 18 Oct 2026.

Our calculation

0.5% value back

Every ₹1,00,000 spent at this rate earns about 2,000 points, worth about ₹500 at the value Union Bank of India states for a point.

Union Bank of India's rate: “2 Reward Points per Rs.100 Spent” Proof

The bank’s words

“Reward Points per Rs.100 Spent 2 points (1 Reward Point = Rs. 0.25)”

Union Bank of India's point value: “1 Reward Point = Rs. 0.25” Proof

The bank’s words

“Reward Points per Rs.100 Spent 2 points (1 Reward Point = Rs. 0.25)”

How it compares

Compared with the cards we have read

₹499 annual fee: of the 273 other open cards whose annual fee we have read, 100 state a lower one, 25 state the same and 148 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.

0.5% value back by our calculation: of the 49 other open cards we can work this out for, 20 return less, 17 return the same and 12 return more.

Fees

Joining fee
₹499 to join.
Annual fee
₹499 a year.
Fee waiver rule
Annual fee will be waived if credit card usage in last 12 months (from credit card issuance date) is ₹50,000.

Rewards

Reward rate
2 Reward Points per ₹100 · everyday spends2 Reward Points per ₹100 Spent.
Reward exclusions
No reward points on cash withdrawal transactions.
Catalogue redemption
1 Reward Point = ₹0.25.
Statement-credit redemption
Redemption options, including merchandise, gift vouchers, travel experiences or credit card bill payment

Card benefits

Domestic lounge access
Complimentary Domestic: 8 per Year (2 per Quarter)
International lounge access
International: 2 per Year
Milestone benefits
For every spend of ₹50,000 beyond ₹2.00 lakh in a year, you will receive incremental reward of 2000 points.

Also included

Fuel surcharge waiver
1% waiver with a cap of ₹100 per billing cycle.
Surcharge on railway tickets
Transaction Charges at Railways 1.5% + IRCTC Charges.
Insurance benefit
Accidental insurance coverage ₹10.00 lakhs (premium borne by NPCI); additional ₹10.00 lakhs (premium borne by card holder)

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
₹149
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 - 6 documents from Union Bank of India, checked 18 Oct 2026

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

On these lists

₹499 a year

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