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REWARD POINTS CARD

Union JCB Health Credit Card

Union Bank of India

Earns 2 reward points per ₹100 (1 point = ₹0.25). Page lists annual wellness and lifestyle benefits worth ₹31,750, lounge visits, and milestone points on high annual spend.

Free wellness services are annual counts claimed via the eahomecare.in sign-up. Fuel waiver capped at ₹100 per billing cycle. Fees and eligibility are not shown on the captured page.

Union JCB Health Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Annual wellness and lifestyle benefits worth ₹31,750, as stated by the bank, plus 8 domestic and 2 international lounge visits a year.
BEST FOR
Included: May suit those who would use teleconsultations, health check-ups, car and home services and lounge access.
Included: May suit those who want annual health consultations and check-ups included.
Included: May suit those who would use the car, home appliance and lifestyle services.
Included: May suit those who want lounge access and golf games listed by the bank.
Limitation: Those who want a higher base earn rate may wish to compare other cards.
Limitation: Those who want cash-withdrawal rewards may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Benefits include 2 free teleconsultations, 1 diagnostic package, 1 dietician consultation and 1 fitness session a year, as listed.
Condition: Also listed: car wash, 2 car services, appliance repair (labour only), stylist, hobby session, device protection and dark-web email monitoring.

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
Recorded — count not stated — 8 per year (2 per quarter), complimentary
International airport lounge
Recorded — count not stated — 2 per year, complimentary
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
RuPay Airport Lounge
EVERYDAY
Fuel
1% waiver, capped at ₹100 per billing cycle
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Reward points are not offered on cash withdrawal transactions.; Cash withdrawal transactions earn no reward points.
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: Annual wellness and lifestyle benefits worth ₹31,750, as stated by the bank, plus 8 domestic and 2 international lounge visits a year.
Included: Annual wellness benefits worth ₹31,750 per the bank, including teleconsultations, diagnostic package and fitness session.
Included: Complimentary airport lounge access: 8 domestic and 2 international visits per year.
Included: Milestone rewards of 2000 points for every ₹50,000 spent beyond ₹2.00 lakh in a year.
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.
Visit bank website (opens in a new tab)

Figures last checked 31 Oct 2026 against the issuer’s published terms.