Women's Wellness & RuPay UPI Credit Card with Zero Joining Fee
Women looking for everyday shopping discounts, health benefits, and effortless UPI scan-and-pay merchant transactions.
Free
One-time upfront₹499
Waived on ₹50,000 annual spend2 RP for every ₹100 spent
On eligible spends3.00% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Union Bank of India Divaa RuPay Credit Card combines dedicated lifestyle perks for women with the everyday convenience of RuPay credit on UPI. With zero joining fee and an affordable annual fee of ₹499 plus GST (reversed upon spending ₹50,000 annually), it is designed for smart household management. Cardholders can link this card directly to UPI apps like Google Pay, PhonePe, and Paytm to make instant QR code merchant payments at grocery stores, pharmacies, and neighborhood shops while earning reward points. It also includes exclusive women's health packages, salon discounts, and 1% fuel surcharge waiver. With complimentary accident insurance cover up to ₹5 Lakhs, the Divaa RuPay card is an ideal daily digital payment card for women.
2 RP for every ₹100 spent
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| 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 |
|---|---|---|---|---|---|---|
| All Retail Spends | ₹30,000 | 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-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried or self-employed women earning over ₹2.5 Lakhs p.a.; age 21 to 65 years. • Joining & Annual Fee: ₹0 joining fee; ₹499 annual renewal fee (waived on spending ₹50,000 in previous card year). • UPI Payments: Seamlessly link to UPI applications (BHIM, PhonePe, Google Pay) for instant scan-and-pay QR merchant payments. • Rewards Structure: Earn 2 reward points per ₹100 on retail transactions with accelerated rewards on grocery and medical spends. • Wellness Privileges: Exclusive health checkup discounts and partner beauty salon promotional offers. • Insurance Protection: Complimentary personal accidental insurance cover up to ₹5 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 ₹499 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 RuPay 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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Best for: Value-conscious consumers, government employees, and public-sector banking patrons seeking a reliable RuPay credit card for everyday UPI payments with airport lounge perks.
Rewards: 1 Reward Points per Rs. 100 spent
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Lounge access: 2 Domestic visits/quarter + 2 International visits/year
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