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Union Bank JCB Health Credit Card

Union Bank of India |
Healthcare

Annual Fee

₹500

Rewards/₹100 ⓘ

₹0.25 - ₹0.50

Normalized to balance base rate with bonus categories

Interest Rate

36.00%

Credit Score

700+

At a Glance

Key Benefits

2x rewards on healthcare/pharmacy, partner hospital discounts

Lounge Access

No lounge access

Eligibility

Age: 21-65 years, Annual income: Rs.3 lakh+, CIBIL: 700+

Quick Details

Annual Fee
₹500 #113
Joining Fee
₹500 #112
Interest Rate
36.00% p.a. #45
Forex Markup
3.50% #75
Rewards/₹100
₹0.25 - ₹0.50 #238
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network OTHER
Late Payment Fee ₹400
Cash Advance Fee 2.50% (min ₹500)
Over Limit Fee ₹500
Fee Waiver on Spend ₹75,000/yr

Reward Structure

Base

All Spends

₹0.25 /₹100
Cat

Healthcare, Pharmacy

₹0.50 /₹100

Reward Calculator

₹
Allocate by Category 100%
Healthcare, Pharmacy
2.0 pts
60% ₹0
Other Spends
1.0 pts
40% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Renewal Benefit

Annual fee waiver on Rs.75K spend

Spend ₹75,000 within 365 days

₹500

value

Insurance Coverage

Accident

₹2,00,000

Personal accident insurance

Lost Card

₹50,000

Lost card liability

Lifestyle Perks

Other

Discounts at partner hospitals, clinics and diagnostic labs

Fuel

1 /month

1% fuel surcharge waiver

Quick Analysis

Union Bank JCB Health is a niche card for healthcare workers or those with regular medical expenses.

Pros

  • 2x rewards on healthcare and pharmacy spends
  • Discounts at partner hospitals and labs
  • JCB network benefits
  • Personal accident insurance
  • Low annual fee of Rs.500

Cons

  • Limited JCB acceptance in India
  • No lounge access
  • Niche healthcare focus
  • 3.5% forex markup

Best For

Healthcare professionals, regular medical spenders

Not Ideal For

General users, travelers

Frequently Asked Questions

What is the annual fee for Union Bank JCB Health Credit Card?
Yes, the annual fee is ₹500. The fee can be waived on annual spending of ₹75000.
Is there a joining fee for Union Bank JCB Health Credit Card?
Yes, the joining fee is ₹500.
What rewards does Union Bank JCB Health Credit Card offer?
You can earn rewards worth up to ₹0.50 per ₹100 spent. The base reward rate is ₹0.25 per ₹100.
Does Union Bank JCB Health Credit Card offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for Union Bank JCB Health Credit Card?
To apply for Union Bank JCB Health Credit Card, you need minimum age of 21 years, minimum monthly income of ₹300000, credit score of 700+.

User Reviews

Our Rating

3.2
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on Union Bank of India's website

Rating Breakdown

Rewards
2.9/5 Top 70%
Benefits
3.1/5 Top 68%
Fees
3.8/5 Top 44%
Value for Money
3.0/5 Top 72%
User Reviews
3.0/5 Top 50%

Important Links

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