Union Bank of IndiaRuPayLast checked 11 Oct 2026closed to new applicants
The Union Divaa RuPay Credit Card costs Rs 499 a year, waived if you spend Rs 30,000 in a year. Its base return is 0.5% (2 RP per Rs 100). The forex markup is 3%. Lounge visits in India: 8 per year. Abroad: 2 per year. Read from an aggregator, not the issuer on 11 Oct 2026.
Union Bank of IndiaUnion Divaa RuPay Credit CardCard design not shown
All figures from cardinsider. base_return_pct = 2 x 0.25 per Rs 100.
Travel and perks
Domestic loungeunverified
8 per year
International loungeunverified
2 per year
Lounge conditions
Per stablemoney: 8 complimentary domestic and 2 international visits.
Forex markupunverified
3%
Fuel surcharge waiverunverified
1% waiver, capped at Rs 100 per month/billing cycle
Other freebiesunverified
Per stablemoney: shopping vouchers up to Rs 1,500 (Flipkart, Nykaa, Myntra, Lakme Salon, BookMyShow, BigBasket), quarterly women's health package, Rs 10 lakh accident cover.
Charges and eligibility
Interest per monthunverified
3%
Late payment feeunverified
Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000
Cash advance feeunverified
3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date
Eligibility
Women
Fine-print notes
The original Divaa card is still described by aggregators but does not appear in the bank's current credit card listing page or in the MITC v1.4 fee table, which carry only DIVAA ICON. Marked closed-to-new on that inference; not confirmed by the bank.
Questions
What is the annual fee of the Union Divaa RuPay Credit Card?
Rs 499 a year, before GST. It is waived if you spend Rs 30,000 in a year.
Does the Union Divaa RuPay Credit Card give airport lounge access?
Yes. In India: 8 per year. Outside India: 2 per year. Conditions: Per stablemoney: 8 complimentary domestic and 2 international visits.
What is the forex markup on the Union Divaa RuPay Credit Card?
3% of each foreign-currency transaction, before GST.