Union JCB Wellness Credit Card

Union bank JCB Wellness credit card offers several features and benefits, including offers related to health and wellness categories, as given below:

Rewards Program:

• 4 reward points per Rs. 100 spent on dining, grocery, apparel, shopping and departmental stores.
• 2 reward points per Rs. 100 spent on other categories

Milestone Benefits: Earn up to 4,500 bonus reward points in a year on reaching certain annual spending milestones, as listed below:

• 1,000 reward points on Rs. 1.5 lakh annual spends
• 1,500 reward points on Rs. 2 lakh annual spends
• 2,000 reward points on Rs. 2.5 lakh annual spends

Complimentary Spa Services: Avail discount offers and complimentary spa services for 60 minutes massage (Swedish/Aromatherapy) sessions.

Complimentary Health Check-up: Get complimentary health diagnostic test once every year.

Gym Access Program: Get a free trial of 15 to 30 days of the gym membership program once a year.

Golf Access: You can get 1 complimentary golf round per year

Lounge Access: Up to 8 complimentary domestic airport lounge access every year, max. 2 per quarter, with 2 complimentary international lounge access per year.

Annual Fee Waiver: The card annual fee is waived off on spending at least Rs. 1 lakh during the previous year.

Fuel Benefits: 1% fuel surcharge waiver of up to Rs. 100 per month on fuel spends.

Insurance Coverage: Free personal accident insurance cover worth up to Rs. 10 lakh, along with an additional accidental cover of Rs. 30 lakh with premium borne by the cardholder.

Concierge Services: 24×7 domestic concierge services by RuPay network accessible via toll free number 1800 26 78729.

Other Offers: Cardholders can avail merchant discount offers on dining, travel and shopping spends, along with other card offers provided by RuPay network, JCB and the bank.

Credit Card	Joining/Annual Fee	Key Feature
YES Bank Wellness Plus Credit Card	Rs. 1,499	30 reward points per Rs. 200 spent on chemist/ pharmaceutical stores with complimentary health check-ups & fitness sessions
SBI Pulse Credit Card	Rs. 1,499	10 reward points per Rs. 100 spent on pharmacy, chemists, movies, sports and dining with Netmeds First & FITPASS PRO memberships
Axis Aura Credit Card	Rs. 749	5x EDGE rewards on insurance spends with free doctor consultations, online fitness sessions, & discount on health check-ups
Apollo SBI Card	Rs. 499	3X reward points per Rs. 100 spent and up to 10% off on Apollo services

Fee Type	Amount Details
Joining/Annual Fee	Rs. 999
Interest on Cash Advance Charges	2.5% per month
Rate of Interest	16% per annum on reducing balances
Late Payment Charges	On Statement Balance of: Up to Rs. 25,000: Rs. 200 Above Rs. 25,000: Rs. 500

Criteria	Details
Age	Primary card: 18 to 65 years Add-on card: 18 to 70 years
Occupation	Salaried or self-employed
Minimum Income Requirement	Rs. 7.5 lakh per annum
Documents Required	– For Business class: 2 years I.T.Returns with computation sheets – For Salaried class: Form 16 / ITRs with latest salary slip- 2 passport size colour photographs- Proof of address, ID proof, PAN card copy as per KYC norms

Note: Without insisting on income proof and scoring model, this card may also be issued against lien on Fixed Deposit with 25% margin as per the bank’s discretion.