Union Bank of India Union JCB Health Credit Card

Charge

• Effective September 25, 2025 (all charges exclusive of GST unless stated): Cash advance interest 2.5% p.m. (30% p.a.).
• Cash withdrawal fee 3% of cash advance or min ₹500/- (own and other bank ATMs).
• Card Replacement ₹149/- (Union JCB Health).
• Lost Card charges NIL.
• Charge slip request ₹200/-.
• Temporary Enhancement ₹200/- per occasion.
• Hot Listing NIL.
• Hot Listing if MPD not paid ₹200/-.
• Balance enquiry at other bank ATM ₹20/- (own bank NIL).
• Green PIN NIL.
• Cheque Return ₹250/-.
• Over limit 2.5% of over limit amount, min ₹250/-.
• Transaction charges at Railways 1.5% + IRCTC charges.
• Late Payment: up to ₹25,000/- => ₹200/-, above ₹25,000/- => ₹500/-.
• Statement for >3 months ₹50/- per statement.
• Service charge (finance/interest) 3.00% p.m. / 36% annualized.
• EMI rate of interest 16% p.a. on reducing balance, processing fee 2% (min ₹200/-, max ₹1,000/-), pre-closure 2% of outstanding.

Verified · Most Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card · 2026-08-02 · source

Interest-free period

• Interest-free credit period could range from 20 to 50 days.
• Applicable only on retail purchases and if previous month's balance cleared in full.
• No interest-free grace period for cash withdrawals from ATMs (Cash Advance).

Verified · Most Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card · 2026-08-02 · source

Fuel surcharge waiver

Fuel Surcharge Waiver: 1% up to ₹100/- per month.

Verified · Most Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card · 2026-08-02 · source

Redemption value

Reward points can be redeemed for credit card bill payment, purchasing gift vouchers etc. via Union Rewardz app or website (unionrewardz.com).

Verified · Most Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card · 2026-08-02 · source

Insurance

• Personal Accidental death insurance coverage ₹10,00,000 (Union JCB Health - RuPay Platinum variant).
• Premium borne by cardholder.
• Additionally, NPCI free accidental death coverage ₹10,00,000 (premium borne by NPCI) for Union JCB Health RuPay cardholders - requires minimum one successful POS/e-commerce transaction within 30 days prior to date of accident.

Verified · Most Important Terms & Conditions (MITC) – covers Union JCB Health Credit Card · 2026-08-02 · source