What is the annual fee of the Union JCB Wellness Credit Card?

Rs 999 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.

Does the Union JCB Wellness 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 Wellness Credit Card?

3% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Union JCB Wellness Credit Card?

No points on cash withdrawals; fuel earns no points (base rate is on non-fuel spends)

M16S / Union Bank of India / Union JCB Wellness Credit Card

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Union JCB Wellness Credit Card

Union Bank of IndiaRuPayLast checked 11 Oct 2026

The Union JCB Wellness Credit Card costs Rs 999 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 0.5% (2 RP per Rs 100 on non-fuel spends). Accelerated earn: 4 RP per Rs 100 on dining, shopping, groceries, departmental stores and apparel. 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 999+ GST
Fee waived at: Rs 1,00,000annual spend
Base return: 0.5%
Forex markup: 3%
Interest: 3%a month

Apply on unionbankofindia.bank.inOpens the bank’s own page.

What changed on this card

25 Sep 2025 CutUnion 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
25 Sep 2025 CutUnion 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 999
Annual fee	Rs 999
Annual spend that waives the fee	Rs 1,00,000
Fee notes	Joining fee Rs 999. Annual fee Rs 999, waived on Rs 1,00,000 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 on non-fuel spends
Base return	0.5%
Point value	1 RP = Rs 0.25
Accelerated earn	4 RP per Rs 100 on dining, shopping, groceries, departmental stores and apparel
Spends that earn nothing	No points on cash withdrawals; fuel earns no points (base rate is on non-fuel spends)
Milestone benefits	1,000 RP at Rs 1.5 lakh annual spend; 1,500 at Rs 2 lakh; 2,000 at Rs 2.5 lakh
Reward notes	base_return_pct = 2 RP per Rs 100 x Rs 0.25; accelerated categories return 1.0%. 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 about Rs 22,000 a year: 60-minute spa session, one diagnostic test a year, 15/30-day gym trial once a year, one complimentary golf round a year. Accidental insurance Rs 10 lakh (NPCI) plus Rs 30 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 (RuPay-JCB global variant, UPI-linkable); network recorded as RuPay. Cash limit 40%.

Questions

What is the annual fee of the Union JCB Wellness Credit Card?: Rs 999 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
Does the Union JCB Wellness 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 Wellness Credit Card?: 3% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Union JCB Wellness Credit Card?: No points on cash withdrawals; fuel earns no points (base rate is on non-fuel spends)