Union JCB Health Credit Card

The Union JCB Health Credit Card from Union Bank of India is crafted to support health, medical, lifestyle and home-related expenses. It combines wellness-centric benefits with day-to-day spending perks, aimed at customers who prioritize both healthcare services and everyday financial flexibility. Annual benefits on this card are estimated to be worth ₹31,750 across a range of services.

Union JCB Health Credit Card

Joining Fees	₹499
Annual Fees	₹499
Card Type	Travel, Rewards
Network Type	Rupay

Rewards & Benifits

Annual benefits worth ₹31,750 covering health, wellness and lifestyle services including teleconsultations, diagnostics, dietician, fitness and more.
Complimentary airport lounge access (domestic & international).
Surcharge waiver on fuel purchases up to specified limit.
Reward Points on spends (2 points per ₹100 spent).

Fees & Charges

Joining fee: ₹499/-
Annual fee: ₹499/- (first year and ongoing; waivable on usage conditions)
Finance and revolving credit charges applicable.
Cash advance, ATM and other service charges as per applicable schedule.

Card Details

Designed for medical, home and lifestyle-oriented usage with bundled wellness services.
Free credit period: 20–50 days depending on purchase date.
Accidental insurance coverage provided.
Facility to link the card on UPI for scan and pay transactions.

Pros & Cons

Strong suite of health and lifestyle benefits valued high annually.
Reward points on everyday spend.
Lounge access benefits included.

Benefits concentrated on wellness and medical; limited mainstream travel/entertainment offers.
Waiver conditions required for annual fee relief.
Not specified internationally accepted perks beyond lounge access.

ELIGIBILITY CRITERIA

Not specified on the official page.

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WELCOME BENEFITS

Not specified on the official page.

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CARD REVIEW

The Union JCB Health Credit Card is tailored for users who value health-oriented services alongside everyday credit usage. With a modest joining and renewal fee that can be waived on eligible spends, the card delivers considerable annual value primarily through wellness services such as teleconsultations, medical check-ups and lifestyle support services. Reward points and complimentary lounge access add utility for regular spenders. However, benefits are skewed toward health categories and may not appeal broadly to users seeking robust travel or entertainment rewards. The fee waiver requirement also calls for consistent usage to unlock full value potential.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

Union JCB Health Credit Card