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

The annual fee for the Union Bank of India JCB Health is ₹499. It can be waived on annual spends of ₹50,000.

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

Yes — the Union Bank of India JCB Health offers 8 domestic per year lounge visits, 2 international per year lounge visits.

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

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

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

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Union Bank of India

health

•••• •••• •••• 0000

JCB Health

JCB

JCB Health

Union Bank of India • JCB•

healthunion-bankjcbwellnesslounge

Annual Fee

₹499

Base Reward Rate

0.50%

Foreign Tx Fee

Tier

Joining Fee

₹499

Verified

2026-06-07T08:39:39.828Z

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticDirect

8 per yearhigh

✓ No activation spend required — access is unconditional.

Two domestic lounge visits per quarter, eight annually

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹100

Dining₹5,000/mo

+₹25

Grocery₹8,000/mo

+₹40

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹25

Online Shopping₹8,000/mo

+₹40

Utilities₹3,000/mo

+₹15

Annual earnings

₹2,940

Blended 0.47% effective return

Monthly spend₹52,000

Monthly earnings+₹245

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

Notes

Issued primarily to Union Bank account holders; non-account holders selectively. Free personal accident cover up to Rs 10 lakhs. 24/7 concierge. UPI on credit card via BHIM. Wellness/medical/lifestyle services worth Rs 31,750. Interest-free period 20-50 days.

Benefits & Perks

Rewards

2 pts per ₹150 base (1 pt = ₹0.25). 2 RP per Rs 100 spent (0.02 pts/rupee); 1 RP = Rs 0.25
0.50%high
Fuel: 1% — 1% fuel surcharge waived up to Rs 100 per month
1.0% · cap 100/mohigh

Direct

2 per yearhigh

✓ No activation spend required — access is unconditional.

Forex

3% forex markup on international card transactions
3%

Travel

domestic via Direct: 8 per year — no spend needed
8/yearhigh
international via Direct: 2 per year — no spend needed
2/yearhigh

Payments

Joining fee: ₹499. Annual: ₹499.
₹499
Annual fee waived on spending ₹50,000 per year.
Spend ₹50,000
Milestone: spend ₹50,000/year → 2000 Reward Points for every Rs 50,000 spent beyond Rs 2 lakhs
+₹500 valuehigh