The premium wellness card for health-conscious individuals
Annual perks worth ₹22,000
4X points on lifestyle spends
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| Benefit | Details |
|---|---|
| Wellness Benefits | Access to complimentary gym memberships, spa sessions, health check-ups, and golf rounds worth ₹22,000 annually. |
| Reward Points | Earn 4 reward points per ₹100 on dining, shopping, and grocery spends; 2 reward points per ₹100 on all other spends. |
| Milestone Rewards | Receive bonus reward points on achieving spending milestones of ₹1.5 lakh, ₹2 lakh, and ₹2.5 lakh annually. |
| Airport Lounge Access | Complimentary access to domestic airport lounges for the cardholder. |
| Annual Fee | ₹999 + GST annually, waived on annual spends of ₹1 lakh or more. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum benefit of ₹100 per month. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Union Bank of India |
| Bank / Non-bank | Bank-affiliated |
| Category | Lifestyle / Wellness |
| Type of Card | JCB |
| Free or Paid | ₹999 Annually (waived on spends of over ₹1L) |
The Union JCB Wellness Credit Card is designed for individuals who prioritise health and wellness alongside their lifestyle expenses. This card caters to those who frequent gyms, spas, and wellness centres whilst also seeking valuable rewards on everyday spending. With an impressive annual wellness benefit package worth ₹22,000, this card appeals to fitness enthusiasts, working professionals maintaining an active lifestyle, and individuals who value preventive healthcare through regular check-ups.
Wide Acceptance: The card is accepted at millions of JCB merchant establishments across India and internationally, providing flexibility for domestic and overseas transactions.
Add-on Cards: Cardholders can issue supplementary cards to family members aged 18 years and above, enabling them to share the benefits and build a family credit profile.
Cash Withdrawals: Access cash from ATMs displaying the JCB logo across India and globally, ensuring liquidity during emergencies or travel.
UPI Enabled: Link the card to UPI applications for seamless digital payments, combining the benefits of credit with the convenience of instant transfers.
Insurance Coverage: Benefit from personal accident insurance coverage of up to ₹10 lakhs, providing financial protection against unforeseen circumstances.
Concierge Services: Access to JCB's concierge services for assistance with travel bookings, dining reservations, event tickets, and lifestyle requests.
FlexiPay Facility: Convert large purchases into easy monthly instalments, helping manage cash flow and making expensive purchases more affordable.
4X Reward Points: Earn 4 reward points per ₹100 spent on:
Dining at restaurants and cafes
Shopping at retail outlets and e-commerce platforms
Grocery purchases at supermarkets
2X Reward Points: Accumulate 2 reward points per ₹100 on all other eligible spends, including utilities, fuel, and general purchases.
Spend ₹1,50,000 annually: Earn 2,000 bonus reward points
Spend ₹2,00,000 annually: Earn an additional 3,000 bonus reward points
Spend ₹2,50,000 annually: Earn a further 5,000 bonus reward points
Note: Reward points are subject to terms and conditions and may have earning caps as per the bank's reward programme guidelines.
Accumulated reward points can be redeemed through various channels:
Gift Vouchers: Exchange points for vouchers from popular brands across categories like fashion, electronics, dining, and travel.
Merchandise: Redeem points for a wide range of products available in the Union Bank rewards catalogue.
Statement Credit: Apply accumulated points towards the outstanding credit card balance, effectively reducing the bill amount.
Travel Bookings: Use points for flight tickets, hotel reservations, or holiday packages through partner travel platforms.
Note: Redemption values and available options may vary. Cardholders should check the current rewards catalogue for the latest offerings.
Complimentary Gym Membership: Access to select gym chains across India, with membership benefits that can be utilised throughout the year.
Spa Sessions: Enjoy complimentary spa treatments at partner wellness centres, promoting relaxation and stress relief.
Health Check-ups: Annual preventive health check-up packages at empanelled diagnostic centres, encouraging proactive health management.
Golf Rounds: Complimentary rounds of golf at select golf courses across the country for leisure and networking.
Note: The wellness benefits are collectively valued at ₹22,000 annually. Usage terms, partner establishments, and booking procedures apply.
Complimentary access to domestic airport lounges for the primary cardholder, providing a comfortable pre-flight experience with amenities like refreshments, Wi-Fi, and relaxation areas.
1% Waiver: Receive a 1% fuel surcharge waiver at fuel stations across India.
Maximum Benefit: The maximum waiver benefit is capped at ₹100 per statement cycle.
Personal Accident Cover: Coverage of up to ₹10 lakhs against accidental death or permanent disability whilst using the card for travel-related transactions.
Purchase Protection: Selected purchases may be covered against theft or accidental damage for a specified period post-purchase.
Note: Insurance coverage is subject to terms, conditions, and eligibility criteria as defined in the policy documents.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹999 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹999 + GST | Charged every year. Waived if annual spends are ₹1,00,000 or more. |
| Add-on Card Fee | ₹249 + GST per card | Fee for supplementary cards issued to family members. |
| Fuel Surcharge | 1% on transactions | Maximum benefit of ₹100 per month at fuel stations. |
| Cash Advance Fee | 2.5% of the transaction amount (minimum ₹500) | Charged on cash withdrawals from ATMs. |
| Late Payment Charges | ₹200–₹500 | Varies based on the outstanding amount. |
| Over-limit Penalty | 2.5% of the over-limit amount | Charged when spending exceeds the sanctioned credit limit. |
| Foreign Currency Markup | 3% of the transaction value | Applied on international transactions in foreign currencies. |
| Criteria | Details |
|---|---|
Age | For both salaried and self-employed individuals: Minimum 21 years and maximum 65 years |
Occupation | Salaried / Self-Employed / Professional |
Minimum Annual Income | ₹7,50,000 per annum |
Other Criteria | Regular source of income, good credit score (preferably 750 or above), valid PAN card, valid Aadhaar card or any government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Address Proof | Aadhaar Card (with first 8 digits masked), Passport, Voter ID, Driving Licence, or utility bills |
| Income Proof | Latest salary slips (last 3 months), bank statements (last 6 months), Income Tax Returns (last 2 years), or Form 16 for salaried individuals. For self-employed: ITR, financial statements, or business proof. |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Union JCB Wellness Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Reward Points | Use the card for dining, shopping, and grocery purchases to earn 4X reward points. Plan major lifestyle expenses on the card to accelerate point accumulation. |
Utilise Wellness Benefits | Book gym memberships, spa sessions, and health check-ups through the designated partners to fully leverage the ₹22,000 annual wellness package. |
Track Spending and Rewards | Monitor expenses, reward points, and milestone progress through the Union Bank mobile app or internet banking portal. |
Convert Large Purchases to EMI | Use the FlexiPay facility to convert high-value purchases into manageable monthly instalments, reducing immediate financial burden. |
Link to UPI | Connect the card to UPI apps for quick digital payments whilst earning reward points on eligible transactions. |
Set Up Payment Reminders | Enable SMS and email alerts for payment due dates to avoid late fees and maintain a healthy credit score. |
The Union JCB Wellness Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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