Upgrade Everyday Lifestyle with the Union JCB Wellness Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

17 Mar 26
3 mins

Shreyansh Singh

08 Mins
17-03-26

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Table of Contents

Union JCB Wellness Credit Card Benefits
Union JCB Wellness Credit Card Charges

The Union JCB Wellness credit card gives 1 complimentary health check-up every year, including diagnostic tests.
1 spa massage session program with complimentary or discounted access.
A 15 or 30-day gym membership trial once yearly is included.
1 complimentary golf round each year for lifestyle privileges.
8 domestic lounge visits and 2 international lounge visits annually.

The Union Bank of India JCB Wellness Credit Card is a premium card designed for people who value wellness and lifestyle benefits. Cardholders can enjoy services such as airport lounge access, complimentary golf games, spa sessions, health check-ups, and special discounts across various programs.

Overall, the card offers benefits worth around ₹22,000 each year. The Union JCB Wellness Credit Card annual fee and joining fee are ₹999 + GST.

But that’s not all! Continue reading to know more.

Union JCB Wellness Credit Card Benefits

The card offers practical payment advantages such as a 1% fuel surcharge waiver up to ₹100 per billing cycle. It also supports UPI payments and secure chip and PIN technology, along with many additional benefits.

Spa and Health Benefits

Cardholders receive 1 complimentary diagnostic health check-up annually and access spa programs that include complimentary or discounted 60-minute massage sessions.

Fitness and Golf Access

The card also comes with a 15 or 30-day gym membership trial once each year and 1 complimentary golf round annually.

Travel Privileges

The Union JCB Wellness Credit Card lounge access benefit includes 8 complimentary domestic visits yearly and 2 international airport lounge visits annually.

Rewards Program

Earn 4 reward points per ₹100 on dining, shopping, groceries, and apparel, while other non-fuel purchases earn 2 points per ₹100 spent.

Insurance Coverage

The card provides ₹10 lakh accidental insurance cover, along with an additional ₹30 lakh cover under the program terms.

Union JCB Wellness Credit Card Charges

Service charges usually vary based on whether the minimum payment due is cleared on time. The interest rate generally ranges from 2.50% to 2.95% per month (30%–35.4% annually).

Some other key charges levied on this card are:

Parameters	Charges
Card Replacement Charges	₹149
Cheque Return Charges	₹250
Overlimit Charges	2.5% (min. ₹250)
Cash Withdrawal Charges	Union Bank ATM: 3% or min. ₹200Other ATMs: 3% or min. ₹250
Late Payment Charges	Dues up to ₹25,000: ₹200Dues above ₹25,000: ₹500

💡Prevent hampering your budget by clearing your credit card bills on time through the Pice app. Select your card, enter the necessary details, confirm the amount, and finish the payment quickly. You can also set reminders and check your payment status easily.

Footnotes

Domestic complimentary lounge access is limited to 2 visits per quarter under the card program.
Annual fee waived in the first year and not levied again if annual spending reaches ₹1,00,000 in the previous year.

FAQs

Are there milestone rewards on the Union JCB Wellness Credit Card?

Cardholders earn additional reward points after reaching yearly spending milestones. Spending ₹1,50,000 earns 1,000 points, ₹2,00,000 earns 1,500 points, and ₹2,50,000 earns 2,000 points.

How do reward points work on the JCB Wellness Card?

Each reward point equals ₹0.25. Points remain valid for 12 months from the transaction month, and redemption becomes available 45 days after the points are credited.

How can you redeem reward points on the Union JCB Wellness Card?

Log in to the Union Rewardz portal to redeem points. A minimum of 100 points is required, and points can be used for vouchers, travel bookings, and merchandise.