Union JCB Wellness Credit Card

Card overview

Rewards & cashback

• 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

Features & benefits

• Domestic lounge

  Two complimentary domestic lounge access every quarter

• International lounge

  Two complimentary international lounge access annually

• Golf

  One round every year

• Insurance

  Personal accident insurance coverage worth ₹10 lakhs

Fees & charges

• 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 waiver

  A 1% fuel surcharge is waived up to ₹100 every month

• Cash advance charges

  ₹250 or 3% of the withdrawal amount (whichever is higher)

Product highlights

• 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 & cons

Frequently asked questions