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CREDIT CARD

DIVAA ICON Credit Card

Union Bank of India

Women-focused card with partner offers across beauty, lifestyle, travel, health, shopping, food delivery and insurance, plus domestic and international airport lounge access.

Many offers are coupon based or BIN locked and limited to a set frequency, such as once per quarter or once annually. Check each partner offer's terms.

DIVAA ICON Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Airport lounge access: domestic 2 per quarter, international 2 per year
BEST FOR
Included: Cardholders who would use partner coupons and gift cards such as Lakme Salon, Swiggy One, Nykaa or Myntra
Included: May suit those who shop with the listed partners such as Nykaa, Myntra, Flipkart or BigBasket
Included: May suit occasional domestic and international flyers who would use the lounge visits
Included: May suit those interested in salon, health and fitness partner offers such as Lakme Salon, Healthians and Cult Fit
Limitation: Those who want a stated reward-point earn rate or cashback may wish to compare other cards.
Limitation: Those who prefer a stated reward-point or cashback earn rate over partner coupons may wish to compare other cards.
Limitation: Those needing more than 2 domestic lounge visits per quarter may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Lakme Salon beauty care e-gift card of ₹1,500 is offered once per quarter, coupon based
Condition: Swiggy One 3-month membership is offered once annually; Make My Trip flat ₹1,500 off on flights once annually, BIN locked

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
Not stated
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits per quarter · Redemption method listed as 'On Visit'.
International airport lounge
2 visits per year — 2 visits per year · Redemption method listed as 'On Visit'.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Airport lounge access: domestic 2 per quarter, international 2 per year
Included: Lakme Salon e-gift card ₹1,500 once per quarter; Healthians flat ₹1,000 coupon; BookMyShow flat ₹250 off on a minimum of 2 tickets (BIN locked)
Included: Shopping offers: BigBasket flat ₹250 off groceries, Flipkart ₹250 e-gift card, Nykaa flat ₹500 off, Myntra flat ₹250 off, Jockey ₹250 coupon
Included: Accidental insurance of ₹2.00 lakhs (premium borne by NPCI) and an additional ₹10.00 lakhs; cyber insurance of ₹2.00 lakhs listed
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.