{"id":85635,"date":"2026-03-16T14:21:37","date_gmt":"2026-03-16T08:51:37","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85635"},"modified":"2026-03-16T14:21:41","modified_gmt":"2026-03-16T08:51:41","slug":"union-bank-of-india-divaa-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/union-bank-of-india-divaa-credit-card\/","title":{"rendered":"Everything About the Union Bank of India Divaa Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enjoy 8 complimentary domestic and 2 international lounge visits annually.<\/li>\n\n\n\n<li>Annual fee waived on a yearly spending of \u20b930,000.<\/li>\n\n\n\n<li>Receive \u20b91500 Lakme Salon voucher every quarter.<\/li>\n\n\n\n<li>\u20b9500 Nykaa voucher available once every quarter.<\/li>\n\n\n\n<li>Personal accident insurance cover includes \u20b92 lakh protection.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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 \u20b9100 spent, where each point equals \u20b90.25, along with complimentary airport lounge access and much more.<\/p>\n\n\n\n<p>There is no joining fee, while the \u20b9499 annual fee for the primary card and \u20b9399 for add-on cards may be waived if yearly spending reaches \u20b930,000.<\/p>\n\n\n\n<p>Let us explore its benefits, features, and charges in detail.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#union-bank-of-india-divaa-credit-card-benefits\">Union Bank of India Divaa Credit Card Benefits<\/a><\/li><li><a href=\"#divaa-credit-card-fees-and-charges\">Divaa Credit Card Fees and Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"union-bank-of-india-divaa-credit-card-benefits\"><strong>Union Bank of India Divaa Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Divaa-Card-Benefits-1024x683.png\" alt=\"Union Bank of India Divaa Credit Card Benefits\" class=\"wp-image-85637\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Divaa-Card-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Divaa-Card-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Divaa-Card-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Divaa-Card-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Union-Bank-Divaa-Card-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The Divaa Credit Card includes lifestyle, travel, and wellness privileges for women cardholders. Cardholders also receive 24\u00d77 concierge services for travel bookings, hotel reservations, and other assistance.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Airport Lounge Access<\/strong><\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Lifestyle and Shopping Offers<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders receive quarterly vouchers and discounts from popular brands. These include \u20b9500 Nykaa vouchers, \u20b9250 vouchers on Flipkart, Myntra, and BigBasket, and a \u20b91500 Lakme Salon voucher.<\/p>\n\n\n\n<p>Additional benefits include \u20b9500 Ixigo travel discounts, \u20b9250 off on BookMyShow tickets, and a Swiggy One membership for free deliveries once per year.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Health and Insurance Protection<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card offers personal accident insurance coverage of \u20b92 lakh, with an additional \u20b910 lakh cover for permanent disability or accidental events. Also, receive 1 annual women&#8217;s health check-up package, which includes tests such as a Pap smear and blood screening.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"divaa-credit-card-fees-and-charges\"><strong>Divaa Credit Card Fees and Charges<\/strong><\/h2>\n\n\n\n<p>Retail purchases may receive an interest-free period of 20\u201350 days if the previous balance is cleared in full. Service charges range from 2.50%\u20132.95% per month (30%\u201335.4% annually) based on payment status.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.unionbankofindia.bank.in\/pdf\/key-fact-statement.pdf\" target=\"_blank\" rel=\"noopener\">Key charges<\/a> are listed in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9199<\/td><\/tr><tr><td>Cheque Return Charges<\/td><td>\u20b9250<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% (min. \u20b9250)<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>Union Bank ATM: 3% or min. \u20b9200Other ATMs: 3% or min. \u20b9250<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Dues up to \u20b925,000: \u20b9200Dues above \u20b925,000: \u20b9500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Missing due dates can lead to extra charges. Use the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> 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.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>A fuel surcharge waiver of 1% is available up to \u20b9100 per month on eligible fuel transactions made using the card.<\/li>\n\n\n\n<li>EMI facility is available on transactions above \u20b910,000, with 16% annual interest and processing fees between \u20b9200 and \u20b91,000.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773650451314\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to redeem vouchers with the Divaa Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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&#8217;s Credit Card. Complete the registration and log in to view and redeem the available vouchers and offers.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773650511399\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the Union Bank of India Divaa Credit Card eligibility?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>This credit card is available exclusively for women applicants. Salaried individuals aged 18 \u2013 65 and professionals aged 18 \u2013 70 can apply. The bank usually prefers a CIBIL score of 700 or above.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773650536241\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the Union Bank of India Divaa Credit Card application process?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b9100 spent, where each point equals \u20b90.25, along with complimentary airport lounge access and much more. There is no joining fee, while the \u20b9499 annual fee [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85636,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85635","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85635"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85635\/revisions"}],"predecessor-version":[{"id":85638,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85635\/revisions\/85638"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85636"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}