Union Bank of India Divaa Icon Credit Card
- Updated On: 22 May, 2026
The DIVAA ICON Credit Card is a women-centric credit card that encourages and supports women’s growing participation in the financial and digital economy. The card is exclusively for women, and it celebrates their lifestyle, ambitions, and financial independence by offering premium rewards and benefits. Through this initiative, Union Bank of India aims to empower women by providing them with a rewarding and accessible credit that meets their needs.
The DIVAA ICON Credit Card comes with no joining fee, making it easy for customers to get started. The annual fee for the card is ₹1,499 + GST, which can be waived on spending ₹1lakh within 12 months from the date of activation. In case of card replacement, a fee of ₹499 + GST will be applicable.
Union Bank of India Divaa Icon Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
2 Reward Points/₹100 Spent
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
₹250 off on Minimum Purchase of 2 Movie or Non-Movie Tickets with BookMyShow
Rewards Rate
2 Reward Points/₹100 Spent
Reward Redemption
1 Reward Point = ₹0.25
Travel
Flat ₹1500 Off on Flight Booking on MakeMyTrip
Domestic Lounge Access
2 Domestic Lounge Access Per Quarter
International Lounge Access
2 International Lounge Access Per Year
Golf
N/A
Insurance Benefits
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
Rewards Redemption Fee
N/A
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 Details
- 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.
Union Bank of India Divaa Icon Credit Card Benefits
Reward Rate
With the Diva Icon, users can enjoy 2 Reward Points for every ₹100 spent. It’s a simple reward system that allows cardholders to earn points on all their purchases.
Spa & Salon Benefits
Cardholders can enjoy beauty care benefits through Lakmé Salon. The offer includes a Beauty Care Services E-Gift Card worth ₹1,500, which is available once every quarter.
Entertainment Benefits
For movie lovers, the card offers exciting discounts on movie and non-movie ticket bookings through BookMyShow. Cardholders can get a flat ₹250 discount on a minimum purchase of two tickets once every quarter.
Airport Lounge Access
The card provides complimentary lounge access to make your travel experience enjoyable. Cardholders can enjoy 2 domestic lounge visits per quarter and 2 international lounge visits per year.
Travel Benefits
Through MakeMyTrip, cardholders can avail a flat discount of ₹1,500 on flight bookings once annually.
Health & Wellness Benefits
To support health and wellness, the card offers benefits from Healthians, including a flat ₹1,000 coupon once annually. This offer can be used for health and diagnostic services. Cardholders can also access wellness benefits from Cult.fit, which includes a 3-month Cure.Fit Live online fitness subscription once annually.
Food Delivery Benefits
Cardholders can enjoy food delivery benefits through Swiggy with a complimentary 3-month Swiggy One membership once annually. The membership includes unlimited free deliveries on Swiggy food orders and Swiggy Instamart, which is a great offer if you often order from Swiggy.
Online Shopping Benefits
The card offers exciting shopping benefits across popular online platforms.
- Through BigBasket, cardholders can avail a flat ₹250 discount on grocery purchases once every quarter.
- Customers who shop on Flipkart can receive an ₹250 E-Gift Card once every quarter.
- If you are someone who is a beauty and skincare shopper, you can enjoy a flat ₹500 discount on purchases from Nykaa once every quarter.
- User can also enjoy a flat ₹250 discount on Myntra twice every quarter, making shopping more rewarding.
- Additionally, customers will receive an ₹250 shopping coupon from Jockey once every quarter for apparel and lifestyle purchases.
Insurance Benefits
The card provides valuable insurance coverage to support customer safety and financial protection. It includes Accidental Insurance coverage of ₹2 Lakhs, with the premium borne by NPCI, and an additional coverage of ₹10 Lakhs, with the premium borne by CH. This benefit is available once annually.
In addition, the card offers Cyber Insurance and Health Insurance benefits, including Cyber Insurance coverage of ₹2 Lakhs as per IC 100096-2025, along with Cancer Insurance coverage for women. These benefits are also provided once annually.
Bottom Line
The Union Bank of India DIVAA ICON Credit Card is a good option for women looking for a lifestyle-focused credit card with shopping, dining, travel, and wellness benefits. With offers on platforms like Swiggy, Myntra, Nykaa, Flipkart, and BookMyShow, the card is beneficial for everyday spending.
The complimentary lounge access, insurance coverage, and wellness benefits further improve the value of the card. Although the annual fee is slightly on the higher side, it can be waived easily with annual spends of ₹1 lakh. This card is suitable for women who frequently shop online and want a mix of rewards, travel perks, and lifestyle benefits in a single card.
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.