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.