Union JCB Wellness Credit Card

Apply for the best credit card of Union Bank Of India

Last updated:28-Dec-24 Writen by Narendra User Profile
Union JCB Wellness Credit Card
  • Best suitable for: Travel
  • Joining Fee: ₹ 999+ GST + GST
  • Annual Fee: ₹ 999+ GST + GST
  • Welcome Benefits: Union JCB Wellness card variant, Annual benefit on this card are worth 22,000/-
Union Jcb Wellness Credit Card

Union JCB Wellness Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ 999+ GST
Annual/Renewal Fee:₹ 999+ GST
Finance Charges:2.50% p.m. / 30% on annualized basis
Spend Based Waiver:Spend Above 1,00,000/-
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 250/-
Rent Payment chargesNULL
Forex Charges:3.0% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI
Cheque Return Fees:250/- per returned cheque
Late Payment Charges:Outstanding dues upto Rs 25000/- Rs.200/- | Outstanding dues above Rs.25,000/- - Rs 500/-

Union JCB Wellness Credit Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net Annual income of 2.4Lakh or more and Self-Employed Individuals/Professionals: A minimum annual income of 3 lakhs.
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

Union JCB Wellness Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 3% (Min. INR 200) of the cash amount
Cash Advance Withdrwan Limit: 30% of the card limit
Cash Payment at Bank Branch: NIL

Union JCB Wellness Credit Card: Customer care and helpline

Customer care : 18004251515
Email Address : [email protected]
Mailing Address: Credit Card Division, Head Office, Andhra Bank Buildings, Koti Sultan Bazar, Hyderabad - 500 095.

Add-on Card facility: NIL

Card replacement fee: Rs 149 + GST

Rewards Redemption Fee: NA

Domestic lounge:

International Lounge:

Fuel Surcharge:Waiver capped at 100 every billing cycle

FAQ of Union JCB Wellness Credit Card

Q1. What is the annual fee of Union JCB Wellness Credit Card?
The Annual fees of Union JCB Wellness Credit Card is 999+ GST. And there is Joining fees is 999+ GST.

Q2. What is the interest rate on the Union JCB Wellness Credit Card?
The Union JCB Wellness Credit Card has an interest rate of 2.50% p.m. / 30% on annualized basis

Q3. Are there foreign transaction fees on the Union JCB Wellness Credit Card?
Yes, The Union JCB Wellness Credit Card charges a 3.0% fee for all transactions in foreign currency .

Q4. What is the credit limit of Union JCB Wellness Credit Card?
The credit limit for the Union JCB Wellness Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Union Bank Of India does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Union Bank Of India offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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