All cards / Union Bank of India
Union Bank of India
Union JCB Health Credit Card
RuPay
Union JCB Health Credit Card
Union Bank's health-focused RuPay–JCB card packs yearly teleconsultations, a diagnostic package, medicine delivery and home and car services into a ₹499 fee that is waived on ₹50,000 annual spend. Rewards are basic (0.5%), so its value depends on using the bundled services.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Reward redemption: Redeem via Union Rewardz; 1 point = ₹0.25
- Domestic lounge access: 8 complimentary domestic lounge visits a year (2 per quarter)
- International lounge access: 2 complimentary international lounge visits a year
- Insurance benefits: ₹10 lakh accidental cover (premium borne by NPCI), plus optional ₹10 lakh at the cardholder's cost
Benefits by category
- ✈️ Travel
8 domestic and 2 international lounge visits a year
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3%
- Interest rate: 3% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, up to ₹100 per billing cycle
- Cash advance charges: 3% of the cash advance, minimum ₹500; interest at 2.5% p.m. from the date of withdrawal
Benefits
- Yearly: 2 doctor and 2 psychologist teleconsultations, 1 diagnostic package, 1 dietician consult, 1 fitness session, free express medicine delivery
- Yearly: 1 car cleaning, 2 roadside car services, 1 appliance repair (labour), stylist and hobby consults, device protection, dark-web email monitoring
- 2,000 bonus points for every ₹50,000 spent beyond ₹2 lakh in a year
- 8 domestic and 2 international lounge visits a year
Pros
- + Low ₹499 fee, waived on ₹50,000 yearly spend
- + Bundled teleconsultations, diagnostics and car/home services
- + 8 domestic and 2 international lounge visits
Cons
- − 0.5% base reward rate
- − Extra milestone points start only after ₹2 lakh annual spend
- − 3% forex markup