Union JCB Health Credit Card

Union JCB Health in a minute

• The Union JCB Health card costs ₹499 a year and is a benefits card, not a points card. If points are worth ₹0.25, as on other Union cards, you earn about 0.5% back.
• What you pay for is a health bundle (2 psychologist teleconsultations and 1 diagnostic package a year) plus 8 domestic and 2 international lounge visits.
• The catch is effort: a branch application, and benefits that sit on a partner portal you must register for.

Looking for the Union JCB Wellness card? That is a separate ₹999 card with a different reward grid. YES Bank's Wellness cards are unrelated too. This page covers only the ₹499 Health card.

What the health bundle actually contains

Union Bank puts a stated value of ₹31,750 a year on the bundle. Treat that as a headline, not cash. What our data lists:

• 2 psychologist teleconsultations a year, through EA HomeCare.
• 1 diagnostic package a year.
• 1 express medicine delivery a year, within 5 km.
• Home-appliance repair, covering labour only, not parts.
• Home, vehicle and device protection services and dark-web monitoring.
• Golf and health check-ups, which Union advertises without saying how many.

Your real value is what you would otherwise pay for the services you use. A diagnostic package and two consultations a year can easily be worth more than ₹499 if you would book them anyway.

Register on eahomecare.in the week the card arrives

Union Bank says several of these benefits need sign-up at eahomecare.in using your card number. Users call the portal tedious, so do it before you need a consultation, not on the day. Limits are per year and we have seen nothing to say unused benefits roll over.

Users also report using the diagnostic and teleconsultation codes for family members. That is user-reported only. Confirm on the portal before booking for someone else.

Points, milestone and fee

You earn 2 reward points per ₹100. Union Bank values points at ₹0.25 on its other cards, which would make this about 0.5%. On top, you get 2,000 points for every ₹50,000 spent beyond ₹2 lakh in a year.

Worked out: ₹3 lakh a year earns 6,000 base points plus 4,000 milestone points. At ₹0.25 a point, that is about ₹2,500.

The fee is ₹499 + GST to join and each year. Users and our older data say the renewal fee is waived at ₹50,000 of yearly spend, about ₹4,200 a month, but Union Bank's page does not state it. Fuel gets a 1% surcharge waiver up to ₹100 per billing cycle. Being RuPay, the card links to UPI.

JCB abroad

Users like the JCB co-badge for Japan, Singapore and Southeast Asia, where JCB runs merchant offers and acceptance is strong. Those offers are time-bound campaigns, so check what is live before a trip. Forex is not confirmed and is likely the standard 3.5%, so carry a Visa or Mastercard backup.

Worth ₹499? Our verdict

Get it if you will use the diagnostic package and consultations every year, fly a few times, and can handle a branch visit. For ₹499, the bundle can be worth several times the fee.

Skip it if you mainly buy medicines at Apollo, where users prefer the Apollo SBI Card, or if you want points that add up. A fitness and pharmacy angle is also covered by YES Bank's Wellness Plus Credit Card.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva