Union Bank of India Union JCB Health Credit Card
Union Bank of India
Annual / renewal fee
- ₹499/- (Primary).
- Add-on: NA.
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Earn rate
Confirm on the official page
Official source not yet captured
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
Union JCB Health Credit Card by Union Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
- ₹499/- (Primary).
- Add-on: NA.
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Annual / renewal fee
- ₹499/- (Primary).
- Add-on: NA.
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Fee waiver
Annual fee waived if credit card usage in last 12 months (from card issuance date) is ₹50,000/-.
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Rewards
Redemption value
Reward points can be redeemed for credit card bill payment, purchasing gift vouchers etc. via Union Rewardz app or website (unionrewardz.com).
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Reward exclusion
No reward points on cash withdrawal transactions.
VerifiedUnion JCB Health Credit Card — official product page17 Aug 2026, 12:53 PM ISTUnion Bank of India
Travel & lounge
Lounge access
- Airport Lounge access - Complimentary Domestic: 8 per Year (2 per Quarter).
- International: 2 per Year.
VerifiedUnion JCB Health Credit Card — official product page17 Aug 2026, 12:53 PM ISTUnion Bank of India
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Personal Accidental death insurance coverage ₹10,00,000 (Union JCB Health - RuPay Platinum variant).
- Premium borne by cardholder.
- Additionally, NPCI free accidental death coverage ₹10,00,000 (premium borne by NPCI) for Union JCB Health RuPay cardholders - requires minimum one successful POS/e-commerce transaction within 30 days prior to date of accident.
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Milestone benefit
For every spend of ₹50,000/- beyond ₹2.00 lakh in a year, incremental reward of 2000 points (qualifying window: in a year).
VerifiedUnion JCB Health Credit Card — official product page17 Aug 2026, 12:53 PM ISTUnion Bank of India
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Foreign Currency Markup Fee: 3%.
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Charge
- Effective September 25, 2025 (all charges exclusive of GST unless stated): Cash advance interest 2.5% p.m. (30% p.a.).
- Cash withdrawal fee 3% of cash advance or min ₹500/- (own and other bank ATMs).
- Card Replacement ₹149/- (Union JCB Health).
- Lost Card charges NIL.
- Charge slip request ₹200/-.
- Temporary Enhancement ₹200/- per occasion.
- Hot Listing NIL.
- Hot Listing if MPD not paid ₹200/-.
- Balance enquiry at other bank ATM ₹20/- (own bank NIL).
- Green PIN NIL.
- Cheque Return ₹250/-.
- Over limit 2.5% of over limit amount, min ₹250/-.
- Transaction charges at Railways 1.5% + IRCTC charges.
- Late Payment: up to ₹25,000/- => ₹200/-, above ₹25,000/- => ₹500/-.
- Statement for >3 months ₹50/- per statement.
- Service charge (finance/interest) 3.00% p.m. / 36% annualized.
- EMI rate of interest 16% p.a. on reducing balance, processing fee 2% (min ₹200/-, max ₹1,000/-), pre-closure 2% of outstanding.
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Fuel surcharge waiver
Fuel Surcharge Waiver: 1% up to ₹100/- per month.
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 PM ISTUnion Bank of India
Interest-free period
- Interest-free credit period could range from 20 to 50 days.
- Applicable only on retail purchases and if previous month's balance cleared in full.
- No interest-free grace period for cash withdrawals from ATMs (Cash Advance).
VerifiedMost Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card17 Aug 2026, 12:53 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 Union JCB Health Credit Card?
Officially traced: Rs. 499/- (Primary).
Most Important Terms & Conditions (MITC) – covers Union JCB Health Credit CardWhat is the joining fee on the Union JCB Health Credit Card?
Officially traced: Rs. 499/- (Primary).
Most Important Terms & Conditions (MITC) – covers Union JCB Health Credit CardIs the Union JCB Health Credit Card annual fee ever waived?
Annual fee waived if credit card usage in last 12 months (from card issuance date) is Rs. 50,000/.
Most Important Terms & Conditions (MITC) – covers Union JCB Health Credit CardWhat lounge access does the Union JCB Health Credit Card include?
Airport Lounge access - Complimentary Domestic: 8 per Year (2 per Quarter).
Union JCB Health Credit Card — official product pageWhat are the transfer ratios for Union JCB Health Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
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/union-jcb-health-credit-card.
VerifiedUnion JCB Health Credit Card product page17 Aug 2026, 12:53 PM ISTUnion Bank of India
Verified 2026-08-17 · 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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