Union JCB Health Credit Card
A RuPay-JCB health card with a ₹499 joining and annual fee (annual fee waived on ₹50,000 of use): 2 reward points per ₹100 at ₹0.25 a point (0.5%), teleconsultations, diagnostics, car and home services, and lounge visits. Every figure below is copied from Union Bank of India’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-21.
Not on record from an official document: the list of spends that earn no reward. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹499 plus GST MITC |
|---|---|
| Annual fee | ₹499 plus GST MITC |
| Annual fee waiver | On ₹50,000 of spend in the year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3% of the transaction, plus GST Fee schedule |
| Union Bank collects the annual fee from the second year; it is not charged in the first year, nor if the previous year's card use reached the waiver amount. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 2 points per ₹100 Product page | no cap on record |
Points are redeemed on Union Rewardz; no redemption fee is stated.
Benefits
- Lounges: 8 domestic lounge visits a year (2 a quarter) and 2 international visits a year Product page
- Fuel: 1% fuel surcharge waived, up to ₹100 a billing cycle (no transaction range stated) Product page
Also on this card
Quoted from Union Bank of India; not counted in the net value.
- 2,000 bonus points for every ₹50,000 spent beyond ₹2 lakh in a year Product page
- 2 free doctor teleconsultations and 2 psychologist sessions a year Product page
- One free diagnostic package a year Product page
- Car wash and 2 car services (jump start, fuel delivery, tyre change) a year Product page
- One free home appliance repair (labour) a year Product page
- Accident insurance of ₹10 lakh (premium paid by NPCI) Product page
Eligibility
- Age 21 or above Terms
- Age 65 or below Terms
- Salaried: annual income of ₹4.8 lakh or more Terms
- Self-employed or professional: annual income of ₹4.8 lakh or more Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Union Bank of India in the documents read
- the spends that earn no reward points (beyond cash withdrawals)
- the GST rate (fees are plus GST)
- a minimum or maximum fuel transaction for the surcharge waiver
Where Union Bank of India’s documents differ, and what is used
- Fuel surcharge waiver cap: the card page says ₹100 a billing cycle; the KFS and the card portal say ₹100 a month. The card page is used.
The quotes behind the figures
24 figures, each copied from an official Union Bank of India document.
Show every quote and source
“Union JCB Health Rs 499/- NA Rs. 499/- NA”
“Annual Fee waived in the first year and not levied if usage in the previous year 50,000/-”
“Foreign Currency Markup Fee 3%”
“Reward Points per Rs.100 Spent 2 points (1 Reward Point = Rs. 0.25)”
“Foreign Currency Mark up 3%”
“Annual benefit on this card are worth Rs.31,750/- as mentioned”
“RuPay Credit card can be linked on UPI and can be used for merchant payments on UPI”
“Along with the above, Customers can also avail all the offers provided by RuPay, JCB and our Bank from time to time”
“Cards are issued primarily to customers. To Non customers on selective basis.”
“No, rewards points are not offered on cash withdrawal transactions done on your credit card”
“a. 1% up to Rs 100/- per month (except Union UNI CARBON Card)”
“All the above Fees & Charges are exclusive of GST.”
“Cardholder can check and redeem reward points for credit card bill payment,”
“Airport Lounge access -Complimentary Domestic- 8 per Year (2 per Quarter) International- 2 per Year”
“Surcharge on fuel purchase Waiver 1% waiver with a cap of Rs.100 per billing cycle”
“For every spend of Rs.50,000/- beyond Rs. 2.00 lakh in a year, you will receive incremental reward of 2000 points.”
“Teleconsultation with E-prescription 2 Free Teleconsultations/Year”
“Diagnostic Packages 1 Free Package”
“Car Services (Battery Jump Start/Fuel Delivery/Tire Replacement) Any 2 Free Car Service/Year”
“Home Appliance Repair (AC/TV/Fridge) 1 Free Appliance Repair/Year (Labour only)”
“Accidental Insurance Coverage Rs.10.00 lakhs (Premium borne by NPCI)”
“Primary card holder should be in the age bracket of 21 years to 65 years for salaried and 21 years to 65 years for professionals.”
“Income Eligibility is 4.8 lakh per Annum.”
“Union JCB Health Credit Card Apply Now Union JCB Health card is designed keeping in view medical, medical product requirements, home and lifestyle expenses.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Union Bank of India or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Union Bank of India’s own file from its website, unaltered, fetched 2026-10-21. Methodology