What is the annual fee for the Union Bank of India JCB Wellness?

The annual fee for the Union Bank of India JCB Wellness is ₹999. It can be waived on annual spends of ₹1,00,000.

Does the Union Bank of India JCB Wellness offer airport lounge access?

Yes — the Union Bank of India JCB Wellness offers 2 domestic per quarter lounge visits, 2 international per year lounge visits.

What rewards does the Union Bank of India JCB Wellness earn?

It earns 2 reward points per ₹150 on eligible spends.

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Union Bank of India

Premium

•••• •••• •••• 0000

JCB Wellness

JCB

JCB Wellness

Union Bank of India • JCB• Premium

wellnesshealthjcbloungeunion-bank

Annual Fee

₹999

Base Reward Rate

0.50%

Foreign Tx Fee

Tier

Premium

Joining Fee

₹999

Verified

2026-06-07T08:39:39.828Z

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticDirect

2 per quarterhigh

✓ No activation spend required — access is unconditional.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹100

Dining₹5,000/mo

+₹50

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹25

Online Shopping₹8,000/mo

+₹40

Utilities₹3,000/mo

+₹15

Annual earnings

₹3,720

Blended 0.60% effective return

Monthly spend₹52,000

Monthly earnings+₹310

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

Wellness-focused card: free annual health checkup, 15/30-day gym trial, 60-min spa massage, 1 golf round/year. Personal accident insurance Rs.10 lakh free (additional Rs.30 lakh at cardholder cost). 1 RP = Rs.0.25. Interest 2.5%/month. UPI on credit card via BHIM. Concierge services. Annual benefits valued ~Rs.22,000.

Benefits & Perks

Rewards

2 pts per ₹150 base (1 pt = ₹0.25). 2 RP per Rs.100 on other spends (0.5 RP per Rs.100 effective rate of 2 per 100)
0.50%high
Dining: 4 pts/₹150 — 4 RP per Rs.100 on dining, shopping, groceries, departmental stores, apparel
1.0%high

JCB Wellness — Union Bank of India Credit Card | Card Manager

Direct

2 per yearhigh

✓ No activation spend required — access is unconditional.

Shopping: 4 pts/₹150 — 4 RP per Rs.100 on dining, shopping, groceries, departmental stores, apparel

1.0%high

Grocery: 4 pts/₹150 — 4 RP per Rs.100 on groceries/departmental stores

1.0%high

Fuel: 1% — 1% fuel surcharge waiver up to Rs.100 per month

1.0% · cap 100/mohigh

Forex

3% forex markup on international card transactions
3%

Travel

domestic via Direct: 2 per quarter — no spend needed
2/quarterhigh
international via Direct: 2 per year — no spend needed
2/yearhigh

Payments

Joining fee: ₹999. Annual: ₹999.
₹999
Annual fee waived on spending ₹1,00,000 per year.
Spend ₹1,00,000
Milestone: spend ₹1,50,000/year → 1000 reward points
+₹250 valuehigh
Milestone: spend ₹2,00,000/year → 1500 reward points
+₹375 valuehigh
Milestone: spend ₹2,50,000/year → 2000 reward points
+₹500 valuehigh