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The Union Bank of India has launched the Union JCB Wellness Credit Card designed to meet various needs of customers primarily focusing on the well-being and health of its users. This premium card offers a wide range of benefits, with an annual value of around ₹22,000, covering services such as airport lounge access, complimentary golf games, spa services, free gym memberships, and health check-ups.
The main purpose of the Wellness credit card to be introduced was to focus on customer’s overall well-being, fitness, rejuvenation, health, and personal care. The card allows consumers to enjoy benefits such as 15-30 days of complimentary gym membership at selected gyms across India. Cardholders are granted one premium health check-up package annually, as well as spa sessions lasting for an hour, and merchant offers like discounts on shopping, dining travel, etc. At an annual fee of just ₹999 plus taxes, the Union JCB Wellness Credit Card stands out as a rewarding choice, offering a spend-based renewal fee waiver of ₹1 lakh or more in the previous year. With an interest-free credit period of up to 50 days and the convenience of making UPI payments, this card provides a satisfying experience for its users. To learn more about the Wellness credit card and its advantages, continue reading.
Union JCB Wellness Credit Card
Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
4 RP for every ₹100 spent on dining, shopping, groceries, etc. 2 RP for every ₹100 spent on other spends
Reward Redemption
Redeem rewards for vouchers and products, 1 RP = ₹0.25
Travel
N/A
Domestic Lounge Access
Two complimentary domestic lounge access every quarter
International Lounge Access
Two complimentary international lounge access annually
Golf
One round every year
Insurance Benefits
Personal accident insurance coverage worth ₹10 lakhs
Spend-Based Waiver
The renewal fee is waived if the cardholder spends ₹1 lakh 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
₹250 or 3% of the withdrawal amount (whichever is higher)
- Complimentary health checkups once every year.
- 15/30 day free trial gym access program.
- This card comes with an interest-free credit period of 50 days.
- A 1% fuel surcharge waiver of ₹100 per month is included.
- Offers a golf round once every year.
Pros
- The annual benefit with this card is worth ₹22,000.
- Upon spending ₹1,50,000 in a year, milestone benefits will be offered to users.
Cons
- This card comes with no welcome benefits and does not offer any discounts on dining or entertainment.
Union JCB Wellness Credit Card – Features and Benefits
Annual Fees
The Union JCB Wellness Credit Card comes with an annual fee of ₹999 plus taxes. Even though the fee for this card is not that high, it is packed with so many features and perks, making it a rewarding card that is worth applying for. The card has a spend-based waiver of ₹1 lakh. If the cardholder is able to spend more than a lakh in the previous year, then the renewal fee will be waived.
Reward Rate
The reward rate for this card is simple as with this card, you earn 4 reward points for every ₹100 spent on dining, shopping, groceries, departmental stores, and apparel. For all other expenses, you earn 2 points for every ₹100 spent. You can earn points quickly on your everyday purchases.
Milestone Benefits
With the Union JCB Wellness Credit Card, cardholders can enjoy milestone rewards by reaching specific spending targets in a year. Upon reaching spends of ₹1,50,000, cardholders are eligible for additional rewards in the form of points. When you spend ₹1.50 lakh, you receive 1000 points. If you spend ₹2 lakh, you get 1500 points, and if you spend Rs. 2.5 lakh, you receive 2000 points.
Interest-Free Credit
With the Union JCB Wellness Credit Card, you can enjoy an interest-free credit period of 20 to 50 days on your purchases. You can choose to pay the full outstanding amount, the minimum amount due, or any amount higher than the minimum.
UPI on Credit Card
The Union JCB Wellness Credit Card allows you to make UPI payments easily using the BHIM app. Cardholders can now use their credit card to make UPI payments. This will enable them to quickly and securely make purchases from merchants by scanning QR codes or making transactions online.
Airport Lounge Access
For frequent travelers who fly regularly, the Union JCB Wellness Credit Card is a great option for a comfortable flight. With this card, you’ll enjoy the benefit of receiving complimentary access to domestic airport lounges twice every quarter, and on top of that, you’ll also receive two complimentary accesses to international airport lounges every year.
Concierge Services
The Union JCB Wellness Credit Card offers exclusive concierge services to its cardholders. This feature provides cardholders with 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. The concierge service is just a phone call away. Cardholders can easily access the assistance they need at any time by calling the toll-free number 1800-267-8729.
Other Benefits (Only for JCB Variant)
The Union JCB Wellness Credit Card offers a range of exclusive features and benefits.
- Spa Services
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- Free 60-minute Swedish or Aromatherapy massage
- Discounted rates for additional massage sessions
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- Health Checkup
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- Free annual diagnostic test
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- Gym Access Program
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- Free 15- or 30-day trial membership once a year
- Option to join the membership program for 30 days
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- Lounge Program
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- Two domestic lounge visits per quarter
- Two international lounge visits per year
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- Golf Program
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- One complimentary session per year
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Insurance Coverage
The Union JCB Wellness Credit Card provides accidental insurance coverage for cardholders. With free personal accident insurance coverage of up to ₹10 lakhs, cardholders feel secure knowing they are protected in case of loss of life. The card also provides additional accidental insurance coverage of ₹30 lakhs, with the premium borne by the cardholder.
Fuel Surcharge Waiver
With the Union JCB Wellness Credit Card, you can enjoy a 1% fuel surcharge waiver on fuel purchases, reimbursed up to a maximum of ₹100 per card per month.
What is the Eligibility Criteria to Apply for the Wellness Credit Card?
- The Union JCB Wellness Credit Card is issued primarily to bank customers.
- The annual income of the applicant should be ₹7.5 lakhs.
- The main cardholder must be between 18-65 years old if they are salaried and between 18-70 years old if they are professionals.
- For business class, please provide 2 years of IT returns along with computation sheets.
- For the salaried class, please provide 16 years of IT returns along with salary slips.
What Documents Need to be Submitted for the Wellness Credit Card?
- Application for the Union JCB Wellness Credit Card with complete information.
- Two passport-size colored pictures of the applicant.
- Address proof, ID proof, and a copy of PAN card.
- Latest Income Tax Returns for 2 years, form 16, salary slip.
Bottom Line
The Union JCB Wellness Credit Card from Union Bank of India is a great choice for people looking for a credit card that supports their wellness and health needs. This card has a low annual fee and offers many benefits, including free gym memberships, health check-ups, spa sessions, and golf games. The card also offers rewards when reaching milestones, an interest-free credit period, and the convenience of making UPI payments. While the Union JCB Wellness Credit Card doesn’t offer traditional perks like welcome benefits and dining discounts, it’s a practical choice for people who prioritize their well-being more than anything else.