All cards / Union Bank of India
Union Bank of India
Union Bank DIVAA ICON
RuPay
Union Bank DIVAA ICON
A women-focused premium card with ₹1.5K annual fee and a suite of lifestyle benefits (shopping, dining, travel discounts), ideal for women professionals.
Annual fee
₹1,499
Joining fee
₹0
Reward type
points
Base reward rate
0.6%
Card network
RuPay
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.6% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits per year
Benefits by category
- 🛡️ Insurance
Accidental insurance ₹2L + cyber/health insurance ₹2L
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹2,500
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: Fuel surcharge waiver capped at ₹75 per card per month
Benefits
- Curated lifestyle perks: Lakme salon, BookMyShow, MakeMyTrip, Swiggy One, BigBasket discounts
- Accidental insurance ₹2L + cyber/health insurance ₹2L
Pros
- + Women-exclusive card
- + Attractive lifestyle partnerships
- + Low fee with easy waiver
Cons
- − Limited reward rate outside benefits
- − Requires ₹1L spend to waive renewal fee