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Nowadays, people are more concerned about their health. Regular checkups, thorough examinations, and proper treatment have become of the utmost importance in a man’s life. But with the rising cost of medical care, it’s important to have financial support when you need it. And that’s when health credit cards gained popularity. These special credit cards not only help with medical expenses but also offer various wellness and lifestyle benefits.
One such rewarding health credit card is the Union JCB Health Credit Card. Launched by the Union Bank of India, this card comes with a reasonable annual fee, and cardholders can waive the renewal fee by spending ₹50,000 in the previous year. It also provides access to complimentary airport lounges, which can be valuable for individuals who frequently travel for medical purposes or work-related wise. The card offers reward points for every ₹100 spent which can be redeemed for vouchers and coupons. The card provides insurance coverage, including free personal accident coverage worth ₹10 lakhs, offering cardholders security during unexpected events. To learn more about the advantages of the health credit card and its advantages, continue reading.
Union JCB Health 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 RP = ₹0.25
Travel
N/A
Domestic Lounge Access
Complimentary eight-airport lounge access annually
International Lounge Access
Two complimentary airport lounge access annually
Golf
N/A
Insurance Benefits
Free personal accident coverage
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
A 1% fuel surcharge is waived up to ₹100 every month
Cash Advance Charges
₹200 or 3% on the amount withdrawn (whichever is higher)
- 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
- 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.
Union JCB Health Credit Card – Features and Benefits
Annual Fees
The JCB Health Credit Card has an annual fee of ₹499 plus taxes. If we compare it with other health-related cards like the YES Bank Wellness Plus Credit Card or the SBI Card Pulse, this card offers better features at a much lower price. It also provides a spend-based waiver on spending ₹50,000 or more in the previous year.
Milestone Benefit
The Union JCB Health Credit Card also offers milestone benefits to its users. Cardholders will be able to earn 2000 Reward Points for every spend of ₹50,000 or beyond ₹2 lakhs.
Reward Rate
With the Union JCB Health Credit Card, users will earn 2 Reward Points for every ₹100 spent. The reward points earned can be redeemed for vouchers and coupons.
Interest-Free Credit
With the Union JCB Health Credit Card, you can enjoy an interest-free credit period of 20 to 50 days on your purchases. You can choose to pay the total outstanding amount, the minimum amount due, or any amount higher than the minimum.
UPI on Credit Card
The Union JCB Health Credit Card allows you to make UPI payments easily using the BHIM app. Cardholders can now use their credit card to make UPI payments, enabling them to quickly and securely make purchases from merchants by scanning QR codes or making transactions online.
Insurance Coverage
The Heath Credit Card from the Union Bank of India provides accidental insurance coverage for cardholders. With free personal accident insurance coverage of up to ₹10 lakhs, cardholders know they are protected in case of loss of life. The card also provides additional accidental insurance coverage of ₹10 lakhs, with the premium borne by the cardholder.
Airport Lounge Access
The Union JCB Health Credit Card offers complimentary access to lounges both internationally and domestically. Users get two domestic airport lounge visits every quarter, eight times annually, and two international airport lounge visits yearly. For frequent travelers, this card is quite beneficial because of all the perks it offers on airport lounges.
Concierge Services
The card offers exclusive concierge services to its users, including 24/7 help for booking travel, making restaurant reservations, and getting event tickets. This service aims to make things easier, save time, and improve the overall experience for cardholders. Cardholders can easily access the assistance they need at any time by calling the toll-free number 1800-267-8729.
Fuel Surcharge Waiver
The Union JCB Health Credit Card offers a 1% fuel surcharge waiver on fuel purchases, reimbursed up to a maximum of ₹100 per card every month.
Union JCB Health Credit Card Eligibility Criteria
To be eligible for the Union JCB Health Credit Card, one needs to meet the bank’s criteria for age, income, and credit score. The user should have the necessary documents as per the bank’s requirements.
- The cardholder must be 18-65 years old if they are employed and salaried and 18-70 years old if they are professionals.
- The Health credit card is issued primarily to the bank account holders.
- The non-bank customers who apply for this card are chosen on a selective basis.
- The annual income of the accountholder should be ₹2.5 lakhs.
- Credit cards can be issued based on a fixed deposit lien with a 25% margin, so there is no need for proof of income or a scoring model.
Documents Required
- Fill out the application form for the Union JCB Health Credit Card with complete information.
- You would need two passport-size colored pictures of the applicant.
- Address proof, ID proof, and a copy of PAN card are also required.
- The latest income tax returns for 2 years, form 16, and salary slip are needed as well.
How to Apply for the Union JCB Health Credit Card?
To apply for the JCB Health Credit Card, visit the nearest branch of Union Bank, fill out the application form, and submit the required documents. Once approved, you will receive your Union JCB Health Credit Card to start using for your healthcare expenses.
Union JCB Health Credit Card Review
The Union JCB Health Credit Card from the Union Bank of India offers a range of features and benefits for people seeking financial support for medical expenses. With a reserved annual fee and the potential to waive renewal fees through meeting the spending requirement, this card provides access to complimentary airport lounges, generous reward points for every expenditure, and an interest-free credit period. The addition of insurance coverage, including accidental insurance, makes this card more appealing. Despite some limitations, such as a lack of introductory perks or no discounts on entertainment and dining, the Union JCB Health Credit Card is a great choice for those who prioritize health and wellness.