Union JCB Wellness Credit Card
A RuPay-JCB wellness card with a ₹999 joining and annual fee (annual fee waived on ₹1 lakh of use): 4 reward points per ₹100 on dining and groceries, 2 elsewhere (₹0.25 a point, 1% and 0.5%), lounge visits, spa, golf and health check-ups. 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.
Fees and charges
| Joining fee | ₹999 plus GST MITC |
|---|---|
| Annual fee | ₹999 plus GST MITC |
| Annual fee waiver | On ₹1,00,000 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 |
|---|---|---|
| Dining, groceries (also shopping, department stores and apparel) | 4 points per ₹100 Product page | no cap on record |
| All other non-fuel spends | 2 points per ₹100 Product page | no cap on record |
Shopping, department store and apparel spends also earn 4 points per ₹100; CardWise counts only dining and in-store groceries at that rate. Points are redeemed on Union Rewardz; no redemption fee is stated.
No rewards on
- Fuel (the base rate is for non-fuel spends) Product page
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
- Milestone: 1,000 bonus points on ₹1.5 lakh of spend in a year Product page
- Milestone: 1,500 bonus points on ₹2 lakh of spend in a year Product page
- Milestone: 2,000 bonus points on ₹2.5 lakh of spend in a year Product page
Also on this card
Quoted from Union Bank of India; not counted in the net value.
- Complimentary and discounted spa sessions (60-minute massage) Product page
- Complimentary health check-up once a year Product page
- Complimentary golf round once a year Product page
- 15 or 30-day free gym trial once 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 ₹7.5 lakh or more Terms
- Self-employed or professional: annual income of ₹7.5 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 GST rate (fees are plus GST)
- a minimum or maximum fuel transaction for the surcharge waiver
- the rupee value of the milestone points (the ₹0.25 point value would make them ₹250, ₹375 and ₹500)
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.
- Base rate: the card page says 2 points on all other non-fuel spends; the card portal says all other spends. Fuel is treated as earning no points.
The quotes behind the figures
27 figures, each copied from an official Union Bank of India document.
Show every quote and source
“Union JCB Rs 999/- NA Rs. 999/- NA”
“Annual Fee waived in the first year and not levied if usage in the previous year 1,00,000/-”
“Foreign Currency Markup Fee 3%”
“2 points on all other non-fuel spends (1 Reward Point = Rs. 0.25)”
“4 reward points per Rs 100 on spends towards Dining, Shopping, Groceries and Departmental Stores & Apparel. 2 points per Rs 100 on all other spends.”
“4 reward points on spend towards Dining, Shopping, Groceries and Departmental Stores & Apparel.”
“Foreign Currency Mark up 3%”
“Joining Fee 999/- Annual Fee - Main card 999/-”
“On reaching spends of Rs. 1,50,000 in a year, get additional rewards on reaching milestones in a year”
“Annual benefit on this card are worth Rs.22,000/- 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.”
“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”
“INR 1,50,000 - 1000 Points INR 2,00,000 - 1500 points INR 2,50,000 - 2000 points”
“Spa Services - Complimentary & Discounted Program”
“Health Check Up - Complimentary (once in a year)”
“Golf Program - Complimentary (once in a year)”
“Gym Access Program - 15/30 days free trial (once in a year)”
“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 7.5 lakh per Annum.”
“Union JCB Wellness Credit Card Apply Now Union JCB Wellness card is premium card with annual benefits worth around Rs. 22,000/- per year on a variety of services.”
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