Everything About the Union Bank of India Divaa Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

16 Mar 26
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16-03-26

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Table of Contents

Union Bank of India Divaa Credit Card Benefits
Divaa Credit Card Fees and Charges

Enjoy 8 complimentary domestic and 2 international lounge visits annually.
Annual fee waived on a yearly spending of ₹30,000.
Receive ₹1500 Lakme Salon voucher every quarter.
₹500 Nykaa voucher available once every quarter.
Personal accident insurance cover includes ₹2 lakh protection.

The Union Bank of India Divaa Credit Card is a RuPay Platinum card designed with exclusive benefits for women cardholders. It offers 2 reward points for every ₹100 spent, where each point equals ₹0.25, along with complimentary airport lounge access and much more.

There is no joining fee, while the ₹499 annual fee for the primary card and ₹399 for add-on cards may be waived if yearly spending reaches ₹30,000.

Let us explore its benefits, features, and charges in detail.

Union Bank of India Divaa Credit Card Benefits

The Divaa Credit Card includes lifestyle, travel, and wellness privileges for women cardholders. Cardholders also receive 24×7 concierge services for travel bookings, hotel reservations, and other assistance.

Airport Lounge Access

The Union Bank of India Divaa Credit Card lounge access includes 8 complimentary domestic airport lounge visits per year, limited to 2 visits per quarter. Cardholders also receive 2 complimentary international lounge visits annually.

Lifestyle and Shopping Offers

Cardholders receive quarterly vouchers and discounts from popular brands. These include ₹500 Nykaa vouchers, ₹250 vouchers on Flipkart, Myntra, and BigBasket, and a ₹1500 Lakme Salon voucher.

Additional benefits include ₹500 Ixigo travel discounts, ₹250 off on BookMyShow tickets, and a Swiggy One membership for free deliveries once per year.

Health and Insurance Protection

The card offers personal accident insurance coverage of ₹2 lakh, with an additional ₹10 lakh cover for permanent disability or accidental events. Also, receive 1 annual women's health check-up package, which includes tests such as a Pap smear and blood screening.

Divaa Credit Card Fees and Charges

Retail purchases may receive an interest-free period of 20–50 days if the previous balance is cleared in full. Service charges range from 2.50%–2.95% per month (30%–35.4% annually) based on payment status.

Key charges are listed in the table below:

Parameters	Charges
Card Replacement Charges	₹199
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

💡Missing due dates can lead to extra charges. Use the Pice app to stay on track with your credit card payments. Set reminders, check upcoming dues, and complete bill payments quickly in just a few simple steps.

Footnotes

A fuel surcharge waiver of 1% is available up to ₹100 per month on eligible fuel transactions made using the card.
EMI facility is available on transactions above ₹10,000, with 16% annual interest and processing fees between ₹200 and ₹1,000.

FAQs

How to redeem vouchers with the Divaa Credit Card?

Visit the RuPay Platinum booking portal and sign up with your details. Select RuPay Platinum Credit Card as the card type and choose Union Bank of India Women's Credit Card. Complete the registration and log in to view and redeem the available vouchers and offers.

What is the Union Bank of India Divaa Credit Card eligibility?

This credit card is available exclusively for women applicants. Salaried individuals aged 18 – 65 and professionals aged 18 – 70 can apply. The bank usually prefers a CIBIL score of 700 or above.

What is the Union Bank of India Divaa Credit Card application process?

You can apply online through the Union Bank credit card portal by filling in your details. Alternatively, you may visit the nearest Union Bank of India branch for assistance.