Question 1

What is the annual fee on the Union JCB Wellness Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the Union JCB Wellness Credit Card?

Accepted Answer

You earn 4 points per ₹100 on Health & Wellness category. Everything else earns 2 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 400 points, roughly ₹100, which is about 1% back. Fuel, Wallet, EMI, Cash Advance earn nothing at all.

Question 3

Does the Union JCB Wellness Credit Card give free airport lounge access?

Accepted Answer

The Union JCB Wellness Credit Card gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 2 a year. There is no prior spend requirement on paper, though Union Bank of India has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the Union JCB Wellness Credit Card recently and is it still worth it in 2026?

Accepted Answer

Other: No specific devaluation or withdrawal notice found (niche card, little coverage). At ₹50,000 of yearly spend the card returns roughly ₹250 at its general rate of about 0.5%, against a ₹299 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

Card Details

Union JCB Wellness Credit Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind