Card Details
Union JCB Wellness Credit Card
Monzy Score
7/ 10
Good for lounge-hungry travellers.
High 3.0% forex markup.
Card Issuer
Union Bank of India
Joining Fee
₹999
Annual Fee
₹999
Reward Type
Reward Points
Card Access
Standard
Earn Points
4 pts/₹100
on dining spends
4 pts/₹100
on shopping
4 pts/₹100
on grocery spends
2 pts/₹100
on other non-fuel spends
Benefits
8 domestic + 2 international lounge visits per…
4 points per ₹100 on dining, shopping, groceries
1% fuel surcharge waiver
Annual milestone bonus points
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
dining, shopping, groceries, departmental stores & apparel
4 RP/100. No cap disclosed.
₹300
all other spends
2 RP/100.
₹0
Total Annual Return
₹3,600
1% Effective ROIWhat Users Are Saying
Community Feed
Feb 2026
“Too Many Credit Cards? Need Advice on Optimizing My”
by r/CreditCardsIndia, Feb 2026
“Cards for golf”
by r/CreditCardsIndia, Jul 2024
“Rate this new card from union bank of india. Unicorn general.”
by r/CreditCardsIndia, Nov 2025
“Jcb rupay card offers, is this legit?”
by r/CreditCardsIndia, Jul 2024
“Rupay Select Debit Card Issuing Bank & Charges”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The Union JCB Wellness Credit Card charges ₹299 plus GST as a joining fee and the same ₹299 again at renewal. Union Bank of India waives the renewal fee if you spend ₹50,000 in the previous year, which is about ₹4,167 a month. If your card spend sits below that, treat ₹299 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
The accelerated 4 points per ₹100 is restricted to the 'Health & Wellness' category; all other retail spending earns 2 points per ₹100.
Fuel surcharge waiver capped at ₹100 per billing cycle
Lounge access has annual/quarterly limits
1RP equals ₹0.25
