Union Bank of India DIVAA ICON Credit Card
Union Bank of India · Open to apply
A RuPay Platinum card for women customers: 2 reward points (₹0.50) per ₹100, no joining fee, a ₹1,499 annual fee from the second year waived on ₹1 lakh of spend, and quarterly and yearly offers (beauty, movies, shopping, health, Swiggy One) with lounge access.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 2 reward points per ₹100 spent: 2 Union Rewardz points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 2 visits a calendar year
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Where the sources disagree
- annual fee waiver spend: The product page and the Key Fact Statement waive the annual fee on ₹1,00,000 of spend; the MITC (version 1.4, the same version as the KFS) says ₹2,00,000. The page and KFS are used.
Terms the calculator does not value
- The quarterly and yearly offers (Lakme, BookMyShow, MakeMyTrip, Healthians, Cult.fit, Swiggy One, BigBasket, Flipkart, Nykaa, Myntra, Jockey) are entered as benefits, not valued: the page does not say whether they need a spend, and several are coupons or discounts at one merchant.
- The excluded merchant categories for reward points ("standard MCC guidelines") are not listed for this card, and no point expiry is published.
Sources
- Union Bank of India, DIVAA ICON Credit Card (Product page, the bank's own, read 6 Nov 2026)
- Union Bank of India, MITC – Credit Cards, version 1.4 (effective 25 Sep 2025) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Union Bank of India, Key Fact Statement – Credit Cards, version 1.4 (Schedule of charges, the bank's own, read 6 Nov 2026)