cards / mid / union-bank-union-jcb-wellness
Union BankRuPaymid-tier

Union JCB Wellness Credit Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 999/yr
joining fee₹ 999
base earn rate2 / ₹100
rewards inReward Points
forex markup3%

✓ best for

Restaurant DiningOther Online ShoppingGrocery (all)

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else2 / ₹100
Restaurant Dining4 / ₹100
Other Online Shopping4 / ₹100
Grocery (all)4 / ₹100

benefits & perks

Domestic Lounge Access

Two complimentary domestic lounge access every quarter

International Lounge Access

Two complimentary international lounge access annually

Golf

One round every year

Personal accident insurance

Personal accident insurance coverage worth ₹10 lakhs

Health checkup

Free annual diagnostic test

Gym Access Program

Free 15- or 30-day trial membership once a year

Spa Services

Free 60-minute Swedish or Aromatherapy massage

Fuel Surcharge Waiver

A 1% fuel surcharge is waived up to ₹100 every month

unlocks at ₹ 100/yr

Concierge Services

24/7 help for booking travel, making restaurant reservations, and getting event tickets

run your spend profileto see this card's value for you.