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Several banks have launched women-centric credit cards in the past few years. The Union Bank has also introduced the Divaa RuPay Credit Card keeping in mind the important needs of a woman. The Divaa credit card offers a variety of exciting perks, including complimentary access to airport lounges for a luxurious travel experience, and insurance coverage for personal accidents. This special credit card is packed with benefits worth an annual value of ₹24,000.
Specially designed for women, the Divaa credit card offers a unique set of benefits, including discounts on top brands like Nykaa, Myntra, Lakme Salon, etc. Whether you’re a frequent traveler, a compulsive shopper, or simply looking to make the most of your credit card, the Divaa RuPay Credit Card may offer the right combination of perks for your needs. For more information on the countless advantages and features of the “Divaa” Credit Card, continue reading.
Union Bank of India Divaa RuPay Credit Card
Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
2 RP for every ₹100 spent
Reward Redemption
Redeem rewards for vouchers and products. 1 Reward Point = ₹0.25
Travel
N/A
Domestic Lounge Access
2 domestic airport lounge access every quarter
International Lounge Access
2 international airport lounge access annually
Golf
N/A
Insurance Benefits
Personal accident insurance coverage worth ₹2 lakhs
Spend-Based Waiver
The renewal fee is waived off if the cardholder spends ₹30,000 or more in the previous year.
Rewards Redemption Fee
N/A
Foreign Currency Markup
3%
Interest Rates
2.5% per month or 30% annually
Fuel Surcharge
A 1% fuel surcharge is waived up to ₹100 every month.
Cash Advance Charges
₹250 or 3% of the withdrawal amount (whichever is higher)
- 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
- 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.
Union Bank of India Divaa RuPay Credit Card Benefits
The Union Bank of India Divaa RuPay credit card offers numerous advantages, such as minimal annual fees, interest-free credit, travel benefits, and exclusive discounts at select merchants.
Low Annual Fee
The Divaa RuPay Credit Card comes with no joining fee but has an annual fee of ₹499. Compared to other cards, this card is way better in terms of yearly fees. The next-to-nothing annual fee can be waived on spending ₹30,000 in the previous year.
Reward Rate
The Divaa RuPay Credit Card rewards users with 2 points for every ₹100 spent. It’s a simple reward system that allows cardholders to earn points on all their purchases. With a minimum of 750 points required for redemption, cardholders have the opportunity to enjoy various rewards by simply using their card for everyday purchases.
Interest-Free Credit
With the Divaa card, you can take advantage of an interest-free credit period ranging from 20 to 50 days. This feature allows you to make purchases and manage your payments according to your own schedule. You can choose to pay off the full amount owed, the minimum amount due, or any amount that is above the minimum amount.
UPI on Credit Card
With the Divaa Credit Card, users can make UPI payments using the BHIM app. The card is used to make merchant payments through QR scans or online transactions.
Airport Lounge Access
Women with the Divaa Credit Card have the privilege of getting access to airport lounges. This card offers two complimentary domestic airport lounge visits every quarter and two international airport lounge visits every year, making it a perfect choice for frequent flyers.
Concierge Services
The Divaa Card provides 24/7 RuPay-powered domestic concierge services through its toll-free number, 1800-2678729. This night-and-day service is designed to help cardholders save time. One should know that RuPay can change these services at any time without prior notice.
Insurance Coverage
With the Divaa card, you get complimentary personal accident insurance coverage of up to ₹2 lakh in case of loss of life. There is an additional accidental insurance coverage worth ₹10 lakhs, with the premium covered by the cardholder.
Fuel Surcharge Waiver
The Divaa Card offers a fuel surcharge reimbursement of 1% of the fuel purchase transaction, up to a maximum of ₹100 per card per month. This benefit helps cardholders save money on fuel expenses.
Eligibility Criteria
- The card is issued exclusively to women.
- The cardholder should be between 18 to 65 years old for salaried individuals and 18 to 70 years old for working women.
- The minimum annual income should be ₹2.5 lakhs.
- For business professionals, 2 years of IT returns with computation sheets are required, and for salaried individuals, Form 16/ITRs with the latest salary slip are needed.
- Get the Divaa card by using your Fixed Deposit with 25% margin as a guarantee without needing to show your income proof or rating sheet.
- The documents required to apply for the Divaa card are a duly filled credit card application form, a passport-size color photograph, the latest income tax returns for 2 years/Form 16/salary slip, and proof of address, ID proof, and PAN copy as per KYC norms.
How to Apply for the Divaa Credit Card?
You can also visit the Union Bank of India branch near you to speak with a representative who can assist you with the application process. Make sure to have all the required documents such as proof of identity, address, and income when applying.
Bottom Line
For a woman, the Union Bank of India Divaa RuPay Credit Card appears to be an excellent choice. With its focus on providing exclusive benefits to women, such as discounts at top brands and complimentary access to airport lounges, it truly understands and meets the important needs of female cardholders. The low annual fee, interest-free credit period, and the opportunity to earn reward points on everyday purchases make it a rewarding card. The added perks such as concierge services, insurance coverage, and fuel surcharge reimbursement further upgrade the overall value of this card. This card is more beneficial compared to other woman centric cards.