Union JCB Wellness Credit Card

Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.

• 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
• Golf: 1 complimentary golf round a year
• Insurance benefits: ₹10 lakh accidental cover (premium borne by NPCI), plus optional ₹30 lakh cover at the cardholder's cost

• 🍽️ Dining & food delivery

  1% reward rate

• 🛒 Groceries

  1% reward rate

• ✈️ Travel

  8 domestic and 2 international lounge visits a year

• 🛡️ Insurance

  ₹10 lakh accidental cover

• 🌍 Forex / international spend

  3% forex markup on international transactions

• Minimum monthly income: ₹40,000
• Employment: salaried, self-employed
• Age: 21–70

• Spend-based waiver: Waived on annual spend of ₹1,00,000
• 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

• Complimentary annual health check-up, spa discounts with a complimentary session, 15/30-day gym trial
• Bonus points: 1,000 at ₹1.5 lakh, 1,500 at ₹2 lakh and 2,000 at ₹2.5 lakh annual spend
• 8 domestic and 2 international lounge visits a year
• ₹10 lakh accidental cover