Union JCB Health Credit Card
- Joining fee
₹499 + GST
- Annual fee
₹499 + GST
- Best suited for
Health
- Reward type
Reward Points
Rewards
- Rewards rate
2 RP for every ₹100 spent
- Reward redemption
Redeem rewards for vouchers and products, 1 RP = ₹0.25
Benefits
- Domestic lounge
Complimentary eight-airport lounge access annually
- International lounge
Two complimentary airport lounge access annually
- Insurance
Free personal accident coverage
Fees & charges
- Spend-based waiver
The renewal fee is waived if the cardholder spends ₹50,000 or more in the previous year
- Rewards redemption fee
Nil
- 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
₹200 or 3% on the amount withdrawn (whichever is higher)
Product highlights
- Users can get services worth ₹31,750 on wellness, medical, home, and lifestyle.
- The card offers an interest-free credit period of 20-50 days.
- Complimentary airport lounges and 24/7 concierge services can also be availed with this card.
- Medical facilities such as medicine delivery, teleconsultation, psychologist, and diagnostic packages are offered with this card.
Pros & cons
Pros
- Comes with a reasonable annual fee, which can be easily waived.
- Accidental insurance coverage worth ₹10 lakhs is offered with this card.
Cons
- No perks on entertainment or dining and no introductory benefits are provided with this card.
- Only the primary customers who already have an account in the Union Bank of India are given preference when applying for this card. Non-account holders can also apply for this card, but only a select few are chosen.
FAQs
Does the Union JCB Health Credit Card offer any milestone benefits?
Cardholders can earn 2000 Reward Points for every spend of ₹50,000 or beyond ₹2 lakhs, providing additional incentives for higher spending.
What type of insurance coverage does the Union JCB Health Credit Card provide?
The Union JCB Health Credit Card offers insurance coverage, including free personal accident coverage of up to ₹10 lakhs. Cardholders also have the option to avail of additional accidental insurance coverage of ₹10 lakhs, with the premium borne by the cardholder.
Can non-account holders of Union Bank of India apply for the Union JCB Health Credit Card?
Yes, non-account holders of Union Bank of India are eligible to apply for the Union JCB Health Credit Card. While existing account holders receive preference when applying for the card, non-account holders have the opportunity to access the benefits and features offered by this health credit card.