Union JCB Wellness
KeepEight domestic and two international lounge visits for ₹999 — on a network that stops working outside Japan.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹9,000 a month
At ₹9,000 a month — ₹1,08,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against a fee of ₹0 — the ₹999 is waived, the spend having cleared ₹1,00,000 a year = ₹500 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #171
Why #171 A ₹999 card carrying eight domestic and two international lounge visits earns its place; the wellness bundle and the JCB network are why it does not sit higher.
₹0.25 a point, printed on the card's own benefits table. Redemption is a gift voucher or a credit against your own bill through Union Rewardz — Union Bank publishes no airline or hotel partner on any card it issues.
The take
The lounge quota is the reason to look: eight domestic visits a year at two a quarter, plus two international, for ₹999 waived at ₹1 lakh of annual spend. That is the RuPay Select entitlement at twice the price, with a wellness bundle stapled on — a golf round, a diagnostic health check, a 60-minute massage, a gym trial — that Union Bank values at about ₹22,000 a year and which you should value at whatever you would actually redeem. Earn is the better half of the Union shelf's two rates: four points per ₹100 on dining, shopping, groceries, departmental stores and apparel, which is 1%, dropping to two points on everything else. Three milestone rungs at ₹1.5L, ₹2L and ₹2.5L add ₹1,125 of points if you get there. Now the network. This is a JCB card, and JCB is a Japanese scheme: acceptance is excellent in Japan, workable across parts of East and Southeast Asia, and thin everywhere else — which is an odd pairing with two international lounge visits and a 3% forex markup. There is a second oddity the bank has not tidied: the page's own instructions tell you to register at rupay.co.in and select "Union Bank of India RuPay Select Credit card", and the UPI row says "RuPay Credit card can be linked on UPI". That is RuPay boilerplate on a JCB product page, and it means the lounge programme behind the quota is not cleanly established. The quota itself is stated by the issuer, so we carry it. Keep it for the lounge, and carry something else to Europe.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹999/yr at stake · 5 spend bands
The charge ₹999/yr
The waiver ₹1,00,000 of spend in the year before renewal — about ₹8,333 a month — and the renewal fee is not charged.
Break-even ₹9,000 a month — ₹1,08,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹2,500 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,900 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,800 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹18,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹29,300 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Union Bank of India publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 8 domestic lounge visits a year (2 a quarter) plus 2 international, at ₹999
- Fee waived above ₹1 lakh of previous-year spend
- 1% on dining, shopping, groceries, departmental stores and apparel
- ₹1,125 of milestone points across ₹1.5L, ₹2L and ₹2.5L of annual spend
- A golf round, a health check-up, spa sessions and a gym trial every year
Watch out
- JCB acceptance is strong in Japan and thin almost everywhere else
- 3% forex, on a card whose network you may not be able to use abroad
- Base earn is only 0.5% outside the five bonus categories; fuel earns nothing
- Union Rewardz has NO airline or hotel partner — the points only pay your own bill
- The page's lounge sign-up instructions point at RuPay's Select programme, not JCB — the bank has not reconciled its own copy
What these points actually fly
No live transfer route takes Union Rewardz Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
3 sourced rules · 1 pay zero
- Fuel · excluded Zero reward points on fuel — the card's rates are quoted for non-fuel spends only. The 1% fuel surcharge waiver, capped at ₹100 a billing cycle, is what replaces them
per Union Bank of India T&C · rank every card by spend category →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,00,000 a year is the bar that waives the ₹999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Union Bank of India states what the Union JCB Wellness earns and does not earn, but has not published which spend categories count toward the fee waiver and the milestones — the ₹1,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
per the official Union Bank of India MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
One MITC covers the whole Union Bank shelf (version 1.4, effective 25 Sep 2025). Union JCB Wellness is ₹999 in both the joining and the annual column, with NA in both add-on columns — there is no add-on card. Annual fee waived if previous-12-month usage reaches ₹1 lakh. Card replacement ₹149. Fuel surcharge waiver 1% capped at ₹100 a billing cycle; fuel itself earns no points. Cash-advance limit 40% of the card limit. Accidental cover ₹10 lakh borne by NPCI with a ₹30 lakh cardholder-paid top-up. Union Bank publishes no income criteria and no monthly reward cap for this card. CIBIL 700+ unless issued against a deposit lien.
per the official Union Bank of India MITC · reviewed 10 Jul 2026
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Union Bank of India's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — lounge 8 domestic a year and 2 international, 4 RP per ₹100 on dining, shopping, groceries and apparel and 2 elsewhere at ₹0.25, milestones at ₹1.5L/₹2L/₹2.5L
- official MITC (effective 25 Sep 2025) — Union JCB Wellness at ₹999 joining and ₹999 annual with no add-on card, fee waiver at ₹1 lakh, 3% forex markup, ₹149 card replacement
- official Key Fact Statement — the same grid, Union JCB Wellness at ₹999 in both the joining and the annual column