cards / starter / union-bank-union-of-india-divaa-rupay
Union BankRuPaystarter

Union Bank of India Divaa RuPay Credit Card

A sensible first card for new-to-credit users and modest monthly spends.

excellent shape
health 100/100
annual fee₹ 499/yr
joining feenone
fee waiver at₹ 30,000/yr
base earn rate2 / ₹100
rewards inReward Points
forex markup3%

earn rates

flat 2 / ₹100 on all spends — no category bonuses.

benefits & perks

Domestic Lounge Access

2 domestic airport lounge access every quarter

International Lounge Access

2 international airport lounge access annually

Personal accident insurance

Personal accident insurance coverage worth ₹2 lakhs

Fuel Surcharge Waiver

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

unlocks at ₹ 100/yr

Concierge Services

24/7 RuPay-powered domestic concierge services

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