Credit cards

Union Bank Divaa Credit Card

Union Bank Divaa credit-card variant listed on the official card portal; benefits and fees follow the current variant terms.

CashbackNot published in the reviewed Union Bank portal/policy material for these variants Offers and benefitsGlobal acceptance, 21–50-day free credit period, lost-card insurance, SMS alerts, e-mail statements and optional group personal-accident cover; partner/network offers vary by variant Annual fee₹1,499 primary / ₹1,499 add-on

Official product page ↗Compare category

✓ Manually checked 4 Sept 2026 · active

Offered byUnion Bank of India

India and international acceptance

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Minimum incomeMinimum net annual income ₹2.50 lakh for salaried employees and for business/professional/other applicants; U-Secure cards against Union Bank term deposits do not require income proofEffective 1 Apr 2025View source

The current policy states minimum net annual income of ₹2.50 lakh for salaried and business/professional/other applicants; cards against term-deposit security do not require income proof.

Source: Union Bank Policy on Credit Card (2025–26)
Page / section: Pages 6–8 — individual eligibility and U-Secure cards
Accessed: 6 Sept 2026
Confidence: high

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EligibilityResident individuals and NRIs with full KYC; salaried applicants aged 21–65 and business/professional/other applicants aged 21–70; minimum net annual income ₹2.50 lakh; CIC score 650+ for government/PSU applicants and 700+ for others; PAN and income evidence required unless using the U-Secure deposit routeEffective 1 Apr 2025View source

The policy gives age bands, ₹2.50 lakh minimum net annual income, -score thresholds, requirement and the deposit-secured U-Secure alternative.

Source: Union Bank Policy on Credit Card (2025–26)
Page / section: Pages 6–8 — issuance guidelines, income proof and score
Accessed: 6 Sept 2026
Confidence: high

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Annual fee₹1,499 primary / ₹1,499 add-onEffective 25 Sept 2025View source

Divaa Icon Credit Card annual fee is ₹1,499 for both primary and add-on cards.

Source: Union Bank , Version 1.4
Page / section: Page 1 — Divaa Icon Credit Card fee table
Accessed: 6 Sept 2026
Confidence: high

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RewardsNot published in the reviewed Union Bank portal/policy material for these variantsView source

The reviewed issuer material describes network, acceptance, insurance, billing and service terms but no reward-point earn or redemption schedule.

Source: Union Bank Credit Card Portal
Page / section: Complete common-features review
Accessed: 4 Sept 2026
Confidence: high

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CashbackNot published in the reviewed Union Bank portal/policy material for these variantsView source

No issuer cashback percentage or value-back schedule is stated in the reviewed material.

Source: Union Bank Credit Card Portal
Page / section: Complete common-features review
Accessed: 4 Sept 2026
Confidence: high

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Offers and benefitsGlobal acceptance, 21–50-day free credit period, lost-card insurance, SMS alerts, e-mail statements and optional group personal-accident cover; partner/network offers vary by variantView source

Portal lists global acceptance, 21–50 day free credit period, lost-card insurance, alerts/statements and optional group personal accident coverage.

Source: Union Bank Credit Card Portal — salient features
Page / section: Salient features
Accessed: 4 Sept 2026
Confidence: high

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Finance charge2.50% per month on unpaid balance when minimum payment is received by due date; 2.95% per month when minimum payment is not made by due dateView source

Service charges are 2.5% p.m. on unpaid balance if minimum payment is received on time and 2.95% p.m. otherwise.

Source: Union Bank Credit Card Portal — service charges
Page / section: Service Charges
Accessed: 4 Sept 2026
Confidence: high

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Cash advance limit20% of card limit for Visa Gold; 30% for Visa/RuPay Platinum; 40% for Visa Signature and RuPay Select; subject to ATM daily maximum two transactions or ₹20,000 per dayEffective 1 Apr 2023View source

Policy sets cash-advance percentage by variant and daily cap.

Source: Union Bank Credit Card Policy 2023–24
Page / section: Pages 3–4 — common features
Accessed: 4 Sept 2026
Confidence: high

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NetworksVariant network is Visa, RuPay or JCB as named in the product title; network benefits and offers follow the sponsoring network and co-brand termsEffective 1 Apr 2023View source

Policy lists Visa Gold, Visa/RuPay Platinum, RuPay Select, Visa Signature and corporate variants; portal lists JCB co-branded variants.

Source: Union Bank Credit Card Policy 2023–24
Page / section: Pages 3–4 — card variants and networks
Accessed: 4 Sept 2026
Confidence: high

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Fee waiverAnnual fee waived when card usage in the last 12 months reaches ₹2 lakhEffective 25 Sept 2025View source

Divaa Icon annual fee is waived at ₹2 lakh usage in the last 12 months.

Source: Union Bank , Version 1.4
Page / section: Page 2 — annual-fee waiver table
Accessed: 6 Sept 2026
Confidence: high

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APR30% per annum, equivalent to 2.50% per month finance charge on cash advances and revolving unpaid balancesEffective 25 Sept 2025View source

The current states finance charge of 2.5% per month and 30% on an annualized basis.

Source: Union Bank , Version 1.4
Page / section: Pages 3–4 — cash-advance interest and service charges
Accessed: 6 Sept 2026
Confidence: high

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Forex markup3% foreign-currency markup feeEffective 25 Sept 2025View source

The current service-charge table lists Foreign Currency Markup Fee at 3%.

Source: Union Bank , Version 1.4
Page / section: Page 4 — service charges
Accessed: 6 Sept 2026
Confidence: high

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Monthly finance charge2.50% per month (30% annualized) on cash advances and revolving balancesEffective 25 Sept 2025View source

The current states 2.5% per month and 30% annualized finance charge.

Source: Union Bank , Version 1.4
Page / section: Pages 3–4 — cash-advance interest and service charges
Accessed: 6 Sept 2026
Confidence: high

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Lounge accessNot published for this variant in the reviewed Union Bank policy or portalView source

The reviewed material does not publish a lounge-access entitlement for this variant.

Source: Union Bank Credit Card Portal
Page / section: Complete variant-benefit review
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Variant benefits subject to current Union Bank terms
21–50-day free credit period
Global acceptance

Eligibility

Income-proof or eligible deposit-lien route, satisfactory and Union Bank approval apply.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

, and income/deposit-lien evidence as applicable

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,250one thousand two hundred fifty rupees

Balance after that interest₹51,250fifty-one thousand two hundred fifty rupees

Monthly rate × 1230%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableVariantChoose column

Visa Gold · Segment/networkMass segment / Visa

This value is copied from Union Bank credit-card variants and published terms. Check the table notes before relying on it.

Source: Union Bank Credit Card Policy 2023–24 · Pages 3–10 and Annexure I Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 5 columnsUnion Bank credit-card variants and published termsVariant table transcribed from the official Union Bank policy and current portal.View tableHide table

Scroll sideways to view every column

Union Bank credit-card variants and published terms
Variant	Segment/network	Cash advance	Income/eligibility	Published benefits
Visa Gold	Mass segment / Visa	20% of card limit	₹1.80 lakh gross annual income or deposit-lien route	Global acceptance; accident cover; 21–50-day free credit
Visa Platinum	Mid segment / Visa	30% of card limit	₹1.80 lakh gross annual income or deposit-lien route	Global acceptance; accident cover; 21–50-day free credit
RuPay Platinum	Mid segment / RuPay	30% of card limit	₹1.80 lakh gross annual income or deposit-lien route	Global acceptance; accident cover
RuPay Select	Upper-mid/HNI / RuPay	40% of card limit	Income proof/deposit-lien route and assessment	Airport lounge/value-added benefits; accident cover
Visa Signature	HNI / Visa	40% of card limit	Income proof/deposit-lien route and assessment	Global acceptance; network benefits
Visa Business Platinum	Corporate / Visa	Variant terms under corporate policy	Corporate , financials and sanction	Corporate-card controls
JCB Wellness	Co-branded / JCB	Variant terms not stated on portal	Income proof/deposit-lien route and assessment	Wellness partner benefits subject to terms
JCB Health	Co-branded / JCB	Variant terms not stated on portal	Income proof/deposit-lien route and assessment	Health partner benefits subject to terms
UNI Carbon	Co-branded / network terms	Variant terms not stated on portal	Income proof/deposit-lien route and assessment	Partner benefits subject to terms
Divaa	Variant / network terms	Variant terms not stated on portal	Income proof/deposit-lien route and assessment	Current variant benefits subject to terms

The reviewed issuer material does not publish numeric variant annual fees, reward earn rates or cashback schedules; those cells are explicitly marked Not published rather than filled with generic assumptions.

Union Bank Credit Card Policy 2023–24 · Pages 3–10 and Annexure I · accessed 4 Sept 2026Open official source ↗

Table 2 · 13 rows · 5 columnsUnion Bank current credit-card joining and annual feesCard-wise fees transcribed from Union Bank MITC Version 1.4, effective 25 September 2025.View tableHide table

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Union Bank current credit-card joining and annual fees
Card variant	Joining fee — primary	Joining fee — add-on	Annual fee — primary	Annual fee — add-on
Gold	Nil	Nil	₹350	₹250
Platinum	Nil	Nil	₹450	₹350
Signature	Nil	Nil	₹1,999	₹999
RuPay Platinum	Nil	Nil	₹350	₹250
RuPay Select	Nil	Nil	₹550	₹450
UNICORN	₹2,400	₹2,400	₹2,400	₹2,400
NEXTERIA	₹12,499	₹12,499	₹12,499	₹12,499
Union UNI CARBON	₹499	Nil	₹550	₹250
Union JCB Wellness	₹999	Not applicable	₹999	Not applicable
Union JCB Health	₹499	Not applicable	₹499	Not applicable
Divaa Icon Credit Card	Nil	Nil	₹1,499	₹1,499
Union	Nil	Not applicable	Nil	Not applicable
Business Platinum Corporate Cards	₹1,500	Not applicable	₹2,000	Not applicable

Fees are exclusive of applicable taxes where the issuer applies them; no refund is available under the .

Union Bank , Version 1.4 · Page 1 — fees and charges table · effective 25 Sept 2025 · accessed 6 Sept 2026Open official source ↗

Table 3 · 11 rows · 2 columnsUnion Bank current annual-fee waiver thresholdsAnnual-fee waiver spend thresholds transcribed from Union Bank MITC Version 1.4.View tableHide table

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Union Bank current annual-fee waiver thresholds
Card variant	Usage in last 12 months for annual-fee waiver
Gold	₹30,000
RuPay Platinum	₹30,000
Divaa Icon Credit Card	₹2,00,000
Platinum	₹50,000
RuPay Select	₹50,000
Union JCB Health	₹50,000
Union UNI CARBON	₹1,00,000
Union JCB Wellness	₹1,00,000
Signature	₹2,70,000
UNICORN	₹3,00,000
NEXTERIA	₹8,00,000

The threshold is measured over the last 12 months from the card issuance date as stated in the current .

Union Bank , Version 1.4 · Page 2 — annual-fee waiver table · effective 25 Sept 2025 · accessed 6 Sept 2026Open official source ↗

Union Bank Divaa Credit Card

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Credit-card interest estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Union JCB Health Credit Card

Union JCB Wellness Credit Card

Union Bank RuPay Platinum Credit Card

Union Bank RuPay Select Credit Card