All cards / Union Bank of India
Union Bank of India
Union Bank Divaa Credit Card
RuPay
Union Bank Divaa Credit Card
Union Bank of India's everyday RuPay card aimed at women customers, sitting below the premium Divaa Icon in the same product family. It's a no-fee entry card with modest shopping rewards rather than the Icon's lifestyle perks.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
2% reward rate (capped ₹400/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on eligible transactions.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.49% p.a.
Benefits
- Welcome reward points on activation.
- 1% fuel surcharge waiver on eligible transactions.
Pros
- + Lifetime free
- + Decent rewards on online shopping
- + Fuel surcharge waiver
Cons
- − No lounge access, unlike the Divaa Icon
- − Reward rate outside shopping is basic
- − Fewer lifestyle perks than the Icon variant