Travel on Points

Union Bank of India Divaa RuPay Credit Card

  • Joining fee

    Nil

  • Annual fee

    ₹499 + GST

  • Best suited for

    Travel, Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    2 RP for every ₹100 spent

  • Reward redemption

    Redeem rewards for vouchers and products. 1 Reward Point = ₹0.25

Benefits

  • Domestic lounge

    2 domestic airport lounge access every quarter

  • International lounge

    2 international airport lounge access annually

  • Insurance

    Personal accident insurance coverage worth ₹2 lakhs

Fees & charges

  • Spend-based waiver

    The renewal fee is waived off if the cardholder spends ₹30,000 or more in the previous year.

  • Foreign currency markup

    3%

  • Interest rates

    2.5% per month or 30% annually

  • Fuel surcharge waiver

    A 1% fuel surcharge is waived up to ₹100 every month.

  • Cash advance charges

    ₹250 or 3% of the withdrawal amount (whichever is higher)

Product highlights

  • This card offers complimentary domestic airport lounge access twice every quarter.
  • Two free international airport lounge access is also offered annually.
  • 24/7 concierge services are included with this card.
  • The spend-based waiver of this card is only ₹30,000.

Pros & cons

Pros

  • This card comes with an interest-free credit period of 50 days.
  • Users get a 1% fuel surcharge reimbursement of ₹100 with this card.

Cons

  • This card does not offer any discount on entertainment or dining.
  • There are no welcome benefits with this card.

FAQs

Is there a joining fee for the Divaa RuPay Credit Card?

No, the Divaa RuPay Credit Card does not have a joining fee.

Are there any specific perks for women associated with the Divaa RuPay Credit Card?

Yes, the Divaa RuPay Credit Card offers discounts on top women-centric brands like Nykaa, Myntra, and Lakme Salon.

How does the Divaa RuPay Credit Card benefit cardholders in terms of fuel surcharge reimbursement?

The card offers a fuel surcharge reimbursement of 1% of the fuel purchase transaction, up to a maximum of ₹100 per card per month.