Executive Lifestyle Credit Card Designed Exclusively for Women Leaders
Women executives, professionals, and entrepreneurs seeking curated wellness privileges, airport lounge comfort, and shopping rewards.
Free
One-time upfront₹999
Waived on ₹1 lakh annual spend2 Reward Points/₹100 Spent
On eligible spends2 Domestic visits/quarter + 2 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Union Bank of India Divaa Icon Credit Card is a thoughtfully designed credit card tailored specifically for modern women professionals and business leaders. Featuring zero joining fee and an annual fee of ₹999 plus GST (completely waived upon spending ₹1,00,000 annually), it balances elegance with practical value. Cardholders enjoy 2 complimentary domestic airport lounge visits per calendar quarter across major Indian terminals, accompanied by exclusive wellness privileges: complimentary annual preventive health checkups, beauty and salon discounts, and curated dining savings. Spenders earn 4 reward points per ₹100 on apparel, cosmetics, and departmental store purchases. With complimentary personal accident insurance cover up to ₹20 Lakhs and 1% fuel surcharge waiver, Divaa Icon is an empowering everyday companion for women.
2 Reward Points/₹100 Spent
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Entertainment & Lifestyle | Flat ₹250 off on BookMyShow quarterly + quarterly vouchers from Nykaa, Myntra, Flipkart, Swiggy | No Cap | Standard terms apply |
| All Retail Spends | 2 Reward Points per ₹100 spent (0.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Entertainment & Lifestyle | ₹12,000 | Flat ₹250 off on BookMyShow quarterly + quarterly vouchers from Nykaa, Myntra, Flipkart, Swiggy | — | None | Calculating... | Under cap |
| All Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (0.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried or self-employed women professionals earning over ₹4 Lakhs p.a.; age 21 to 65 years. • Joining & Annual Fee: ₹0 joining fee; ₹999 annual renewal fee (waived on spending ₹1,00,000 in previous card year). • Airport Lounge Privileges: 2 complimentary domestic airport lounge visits per calendar quarter across major Indian airports. • Wellness & Health Privileges: Annual complimentary health checkup vouchers, salon discounts, and curated spa packages. • Rewards Acceleration: 4 reward points per ₹100 on apparel, cosmetics, and departmental stores; 2 points per ₹100 on other retail spends. • Insurance Protection: Complimentary personal accident life insurance cover up to ₹20 Lakhs. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver ₹150 per cycle).
Evaluate whether this card's perks and waiver threshold justify its ₹999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Union Bank of India Divaa Icon Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Union Bank of India portal with paperless verification.
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