Union Bank of India
Union Bank of India DIVAA ICON Credit Card
DIVAA ICON Credit Card by Union Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees & welcome
Joining fee
NIL for both primary and add-on card.
Verified · Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card · 2026-08-02 · source
Annual / renewal fee
- ₹1499/- for primary card.
- ₹1499/- for add-on card (exclusive of GST).
Verified · Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card · 2026-08-02 · source
Fee waiver
Annual fee waived if credit card usage in last 12 months (from credit card issuance date) is ₹2,00,000/-.
Verified · Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card · 2026-08-02 · source
Earn rates
2 Reward Points for every ₹100 spent (1 Reward Point = ₹0.25).
Verified · DIVAA ICON Credit Card product page · 2026-08-02 · source
Fees & charges
Charge
- Effective September 25, 2025 (exclusive of GST): Card Replacement Charges ₹499/- (Divaa Icon).
- Cash Advance interest @2.5% p.m. (30% annualized).
- Cash Withdrawal Fee at own/other Bank ATMs 3% of Cash Advance or Min. ₹500/-.
- Lost Card Charges NIL.
- Charge slip Request ₹200/-.
- Temporary Enhancement ₹200/- per occasion.
- Hot Listing Charges Nil.
- Hot Listing Charges if MPD not paid ₹200/-.
- Balance enquiry at own Bank ATM Nil, at other Bank ATM ₹20/-.
- Green PIN Charges Nil.
- Cheque Return Charges ₹250/-.
- Over limit Charges 2.5% of over limit amount, Min. ₹250/-.
- Foreign Currency Markup Fee 3%.
- Transaction Charges at Railways 1.5% + IRCTC Charges.
- Late Payment Charges ₹200/- (dues up to ₹25,000/-), ₹500/- (dues above ₹25,000/-).
- Statement for >3 months ₹50/- per statement.
- Finance charge (interest) 3.00% p.m. / 36% annualized.
Verified · Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card · 2026-08-02 · source
Interest-free period
- Interest-free (grace) period ranges from 20 to 50 days, applicable only on retail purchases if previous month's balance cleared in full.
- No interest-free grace period for cash withdrawals from ATMs.
Verified · Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card · 2026-08-02 · source
Fuel
Fuel surcharge waiver
Fuel Surcharge Waiver: 1% up to ₹100/- per month.
Verified · Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card · 2026-08-02 · source
Protection
Insurance
- Group Personal Accidental (death) Insurance Coverage of ₹10,00,000/- (premium borne by cardholder).
- Additionally, NPCI-provided free Accidental Death coverage of ₹2,00,000/- (premium borne by NPCI).
Verified · Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card · 2026-08-02 · source
Eligibility
Eligibility
Female Only (RuPay Platinum variant).
Verified · Most Important Terms & Conditions (MITC) – covers Divaa Icon Credit Card · 2026-08-02 · source
Official terms
Official terms
https://www.unionbankofindia.bank.in/en/details/divaa-icon-credit-card.
Verified · DIVAA ICON Credit Card product page · 2026-08-02 · source
Official sources
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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