M16S / Union Bank of India / Union JCB Health Credit Card
entry · rewards, upi
Union JCB Health Credit Card
The Union JCB Health Credit Card costs Rs 499 a year, waived if you spend Rs 50,000 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 (2 per quarter). Abroad: 2 per year. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- Rs 50,000annual spend
- Base return
- 0.5%
- Forex markup
- 3%
- Interest
- 3%a month
What changed on this card
- Union Bank raises credit card interest to 3.00% a month, Sept 2025
Union Bank's credit card MITC Version 1.4, effective from 25 September 2025, charges service charges of 3.00% a month (36% a year) whether or not the minimum payment due is paid by the due date. The MITC effective 2 December 2024 charged 2.50% a month (30% a year) when the minimum was paid and 2.95% a month (35.4% a year) when it was not. Source: Union Bank of India, unionbankofindia.bank.in, read 28 Oct 2026
- Union Bank raises minimum cash withdrawal fee to Rs 500, Sept 2025
Union Bank's credit card MITC Version 1.4, effective from 25 September 2025, sets the cash withdrawal fee at 3% of the cash advance or a minimum of Rs 500 at both own bank and other bank ATMs. The MITC effective 2 December 2024 had minimums of Rs 200 at own bank ATMs and Rs 250 at other bank ATMs. Source: Union Bank of India, unionbankofindia.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the fee | Rs 50,000 |
| Fee notes | Joining fee Rs 499. Annual fee Rs 499, waived on Rs 50,000 usage in the previous 12 months. No add-on card. Replacement Rs 149. |
Rewards
| Reward currency | Union Rewardz Reward Points |
|---|---|
| Base earn | 2 RP per Rs 100 |
| Base return | 0.5% |
| Point value | 1 RP = Rs 0.25 |
| Spends that earn nothing | No points on cash withdrawals. Other exclusions not stated. |
| Milestone benefits | 2,000 bonus RP for each Rs 50,000 spent beyond Rs 2 lakh in a year |
| Reward notes | base_return_pct = 2 RP per Rs 100 x Rs 0.25. Expiry not stated. |
Travel and perks
| Domestic lounge | 8 per year (2 per quarter) |
|---|---|
| International lounge | 2 per year |
| Lounge conditions | RuPay lounge programme. No spend condition stated by the bank. |
| Forex markup | 3% |
| Fuel surcharge waiver | 1% waiver, capped at Rs 100 per month/billing cycle |
| Other freebies | Benefits the bank values at Rs 31,750 a year: 2 doctor teleconsultations, 2 psychologist teleconsultations, 1 diagnostic package, 1 dietician and 1 fitness session, car wash, 2 roadside services, 1 home-appliance repair (labour only), device protection licence, dark-web monitoring; activated via eahomecare.in. Accidental insurance Rs 10 lakh (NPCI) plus Rs 10 lakh (cardholder-paid). |
Charges and eligibility
| Interest per month | 3% |
|---|---|
| Late payment fee | Rs 200 if outstanding dues up to Rs 25,000; Rs 500 if above Rs 25,000 |
| Cash advance fee | 3% of amount, min Rs 500 (own or other bank ATM); cash interest 2.5% p.m. (30% p.a.) from withdrawal date |
| Fine-print notes | MITC v1.4 effective 25 Sep 2025. Interest 3% p.m. (36% p.a.) on revolving balance; over-limit fee 2.5% min Rs 250; railway/IRCTC surcharge 1.5% plus IRCTC charges; EMI on purchases of Rs 10,000+ at 16% p.a. reducing, processing fee 2% (min Rs 200, max Rs 1,000), pre-closure 2%. Interest-free period 20-50 days only if previous balance cleared in full. Accident insurance beyond the free NPCI cover is paid for by the cardholder. Named 'JCB' but the bank page describes it as a RuPay credit card; network recorded as RuPay. Page mentions golf in the description but lists none in the benefits table. Cash limit 30%. |
Questions
- What is the annual fee of the Union JCB Health Credit Card?
- Rs 499 a year, before GST. It is waived if you spend Rs 50,000 in a year.
- Does the Union JCB Health Credit Card give airport lounge access?
- Yes. In India: 8 per year (2 per quarter). Outside India: 2 per year. Conditions: RuPay lounge programme. No spend condition stated by the bank.
- What is the forex markup on the Union JCB Health Credit Card?
- 3% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Union JCB Health Credit Card?
- No points on cash withdrawals. Other exclusions not stated.