What is the annual fee for the Union Bank of India Divaa RuPay?

The annual fee for the Union Bank of India Divaa RuPay is ₹499. It can be waived on annual spends of ₹30,000.

Does the Union Bank of India Divaa RuPay offer airport lounge access?

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

What rewards does the Union Bank of India Divaa RuPay earn?

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

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Divaa RuPay — Union Bank of India Credit Card | Card Manager

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Union Bank of India

travel

•••• •••• •••• 0000

Divaa RuPay

RuPay

Divaa RuPay

Union Bank of India • RuPay•

womenrupaytravelshoppinglounge

Annual Fee

₹499

Base Reward Rate

0.33%

Foreign Tx Fee

Tier

Joining Fee

Free

Verified

2026-06-07T08:39:39.828Z

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticRuPay Lounge Program

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

+₹67

Dining₹5,000/mo

+₹17

Grocery₹8,000/mo

+₹27

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹17

Online Shopping₹8,000/mo

+₹27

Utilities₹3,000/mo

+₹10

Annual earnings

₹1,958

Blended 0.31% effective return

Monthly spend₹52,000

Monthly earnings+₹163

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

Notes

Women-only card. Personal accident insurance cover Rs 2 lakh (life). 24/7 concierge. Discounts at Nykaa, Myntra, Lakme Salon. Interest 2.5%/month (30% annually). No welcome benefits.

Benefits & Perks

Rewards

2 pts per ₹150 base (1 pt = ₹0.25). 2 RP per 100 spent; 1 RP = Rs 0.25; min 750 points to redeem
0.33%high
Fuel: 1% — 1% fuel surcharge reimbursed up to Rs 100 per month
1.0% · cap 100/mohigh

RuPay Lounge Program

2 per yearhigh

✓ No activation spend required — access is unconditional.

Forex

3% forex markup on international card transactions
3%

Travel

domestic via RuPay Lounge Program: 2 per quarter — no spend needed
2/quarterhigh
international via RuPay Lounge Program: 2 per year — no spend needed
2/yearhigh

Payments

Joining fee: Free. Annual: ₹499.
₹499
Annual fee waived on spending ₹30,000 per year.
Spend ₹30,000