Union JCB Wellness Credit Card

Union Bank of India · Open to apply

A RuPay Select-JCB card with spa, health check-up, gym and golf privileges (the bank puts the yearly benefit at ₹22,000): 4 reward points per ₹100 on dining, shopping, groceries and apparel and 2 on other spends, 8 domestic and 2 international lounge visits a year, for a ₹999 joining fee and ₹999 a year.

Annual fee
₹999 + GST a year
Joining fee
₹999 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
2 reward points per ₹100 on other non-fuel spends: 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

Main earn rates

  • 4 reward points per ₹100 on dining, shopping, groceries, departmental stores and apparel: 4 Union Rewardz points per ₹100 (about 1% at cash value)

Earns nothing on

  • No reward points on fuel

Where the sources disagree

  • points on fuel: The bank's product page gives 2 points "on all other non-fuel spends"; the card portal's benefits page says "2 points per Rs 100 on all other spends". The product page is used, so fuel earns nothing.

Terms the calculator does not value

  • The spa, health check-up, gym and golf privileges are entered as a benefit, not valued; the page gives no condition on spend.
  • The milestone text does not say whether the 1,000, 1,500 and 2,000 points are cumulative or separate, so each is entered as its own step. Union Bank publishes no list of excluded categories for points, and no point expiry. The cash withdrawal limit is 40% of the card limit.

Sources

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