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REWARD POINTS CARD

Union JCB Wellness Credit Card

Union Bank of India

Reward points on dining, shopping, groceries and apparel, plus airport lounge access, golf, spa, health check-up and gym trial benefits. Card can be linked to UPI.

Bank cites annual benefits worth around ₹22,000. Milestone rewards need yearly spends from ₹1,50,000. Fuel spends are outside the stated earn rates.

Union JCB Wellness Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
4 reward points per ₹100 on dining, shopping, groceries, departmental stores and apparel
BEST FOR
Included: Cardholders who spend on non-fuel categories and may use lounge, spa, golf or health check-up benefits
Included: May suit spends on dining, shopping, groceries, departmental stores and apparel that earn the higher rate
Included: May suit those who would use airport lounge, golf, spa or health check-up benefits
Included: May suit UPI merchant payments, as the RuPay card can be linked on UPI
Limitation: Heavy fuel or cash-withdrawal spenders may wish to compare other cards.
Limitation: Those heavy fuel spenders may wish to compare other cards.
Limitation: Those needing more than 8 domestic or 2 international lounge visits a year may wish to compare other cards.
Limitation: Those who withdraw cash on the card and expect reward points may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Milestone rewards: yearly spends of ₹1,50,000 / ₹2,00,000 / ₹2,50,000 earn 1,000 / 1,500 / 2,000 additional points
Condition: Reward points can be redeemed via the Union Rewardz app or website: merchandise, gift vouchers, travel or bill payment

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
8 visits per quarter — 8 visits per year (2 per quarter) · Complimentary. Benefits are accessed via sign-up on the RuPay select-booking site.
International airport lounge
2 visits per year — 2 visits per year · Complimentary. Benefits are accessed via sign-up on the RuPay select-booking site.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
RuPay Select Credit Card Program
EVERYDAY
Fuel
1% waiver, capped at ₹100 per billing cycle
Dining
Dining spends earn 4 reward points per ₹100
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No reward points on cash withdrawals; stated earn rates apply to non-fuel spends; Cash withdrawals 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: 4 reward points per ₹100 on dining, shopping, groceries, departmental stores and apparel
Included: Complimentary health check-up (diagnostic test) and golf round, each once in a year
Included: Spa services (complimentary and discounted, per 60-minute massage session) and a gym access free trial of 15/30 days once in a year
Included: Accidental insurance cover of ₹10.00 lakhs (premium borne by NPCI), with an additional ₹30.00 lakhs (premium borne by cardholder)
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.