Travel on Points

Union Bank of India Divaa Icon Credit Card

  • Joining fee

    Nil

  • Annual fee

    ₹1,499 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    2 Reward Points/₹100 Spent

  • Reward redemption

    1 Reward Point = ₹0.25

Benefits

  • Movie & dining

    ₹250 off on Minimum Purchase of 2 Movie or Non-Movie Tickets with BookMyShow

  • Travel

    Flat ₹1500 Off on Flight Booking on MakeMyTrip

  • Domestic lounge

    2 Domestic Lounge Access Per Quarter

  • International lounge

    2 International Lounge Access Per Year

  • Insurance

    Coverage of ₹2 Lakhs (premium borne by NPCI), Additional coverage of ₹10 Lakhs (premium borne by CH), Cyber Insurance coverage of ₹2 Lakhs as per IC 100096-2025, Cancer Insurance for Women

Fees & charges

  • Spend-based waiver

    Annual Fee Waived Off on Spending ₹1 Lakh Within 12 Months

  • Foreign currency markup

    3%

  • Interest rates

    3% Per Month

  • Fuel surcharge waiver

    1% Waiver Up to ₹100 Per Month

  • Cash advance charges

    3% or a Minimum of ₹500

Product highlights

  • Union Bank of India Divaa Icon Credit Card comes with no joining fee and has an annual fee of ₹1,499 + GST.
  • The annual fee is waived on spending ₹1 lakh in a year.
  • You can earn 2 Reward Points for every ₹100 spent.
  • The redemption value of 1 Reward Point = ₹0.25.
  • Get a ₹250 discount on BookMyShow movie/non-movie tickets every quarter.
  • Avail a flat ₹1,500 discount on MakeMyTrip flight bookings once a year.
  • Enjoy 2 domestic lounge visits per quarter and 2 international lounge visits per year.

Pros & cons

Pros

  • The card offers airport lounge benefits, both domestic and international.
  • The card offers shopping and lifestyle benefits on big brands like Myntra, Nykaa, Flipkart, BigBasket, and Swiggy

Cons

  • The reward rate is average when compared to other credit cards.
  • There are no golf or other premium privileges other than airport lounge access.

FAQs

Can anyone apply for the Union Bank of India DIVAA ICON Credit Card?

Not everyone can apply for the DIVAA ICON Credit Card; this card is exclusively for women.

What is the annual fee for the DIVAA ICON Credit Card?

The card comes with no joining fee. The annual fee is ₹1,499 + GST.

Is there a replacement card fee?

Yes, a card replacement fee of ₹499 + GST is applicable

What is the value of 1 reward point?

The value of 1 Reward Point is equal to ₹0.25.