Union Bank of India Union JCB Wellness Credit Card

Lounge access

• Complimentary airport lounge access (per official product page).
• Specific counts not stated on official source.

Verified · Union JCB Wellness Credit Card product page · 2026-08-02 · source

Forex markup

Foreign Currency Markup Fee: 3%.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-02 · source

Charge

• MITC effective September 25, 2025.
• Cash Advance interest: 2.5% p.m. (30% annualized) from date of withdrawal.
• Cash Withdrawal Fee (own & other Bank ATMs): 3% of cash advance or min ₹500.
• Card Replacement Charges (Union JCB Wellness): ₹149.
• Lost Card Charges: NIL.
• Charge slip Request: ₹200.
• Temporary Enhancement: ₹200 per occasion.
• Hot Listing: Nil.
• If MPD not paid: ₹200.
• Balance enquiry at own Bank ATM: Nil, at other Bank ATM: ₹20.
• 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 Charges: dues up to ₹25,000 - ₹200.
• Above ₹25,000 - ₹500.
• Statement for >3 months: ₹50 per statement.
• Service/finance charge (interest): 3.00% p.m. / 36% annualized.
• EMI: Rate of Interest 16% p.a. reducing, Processing Fee 2% (min ₹200, max ₹1,000), Pre-closure 2% of outstanding.
• All charges exclusive of GST.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-02 · source

Interest-free period

• Interest-free (grace) 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 (Cash Advance).

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-02 · source

Fuel surcharge waiver

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

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-02 · source

Reward exclusion

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-02 · source

Golf benefit

• Complimentary golf game (per official product page).
• Exact count not stated on official source.

Verified · Union JCB Wellness Credit Card product page · 2026-08-02 · source

Insurance

• Group Personal Accidental (Accidental death) Insurance coverage of ₹30,00,000 (premium borne by cardholder).
• Additionally, NPCI free accidental death coverage of ₹10,00,000 (premium borne by NPCI) for RuPay Platinum-variant Wellness cardholders, subject to at least one successful POS/e-commerce transaction within 30 days prior to accident.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-02 · source

Eligibility

Cash withdrawal limit: 40% of Card Limit (RuPay Select/ UNICORN/ NEXTERIA/ VISA Signature/ Union UNI CARBON/ Union JCB Wellness).

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-02 · source

Official terms

https://www.unionbankofindia.bank.in/en/details/union-jcb-wellness-credit-card.

Verified · Union JCB Wellness Credit Card product page · 2026-08-02 · source

cash advance interest

Cash advances attract interest (finance charge) @ 2.5% p.m. (30% on annualized basis) from date of withdrawal/advance.

Verified · Most Important Terms & Conditions (MITC) – Union Bank of India Credit Cards · 2026-08-02 · source