Holistic Wellness Privileges, Gym Access & Spa Indulgences
Fitness memberships, organic grocery shopping, and spa discounts
₹999
One-time upfront₹999
Waived on ₹2 lakh annual spend4 RP for every ₹100 spent on dining, shopping, groceries, etc. 2 RP for every ₹100 spent on other spends
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 JCB Wellness Credit Card is the elevated tier of Union Bank's health cards, designed for individuals prioritizing fitness club memberships, preventative diagnostics, and holistic lifestyle rejuvenation. Its key strength is an upgraded annual comprehensive master health checkup package, combined with complimentary monthly gym sessions or discounts via partner fitness aggregators. In addition, retail spends on organic stores, health clubs, and wellness retreats earn 3X reward points (1.50% effective return). As a JCB Platinum product, it also includes 2 complimentary domestic airport lounge visits per calendar quarter, significantly outperforming entry-level health cards. On the flip side, it requires a ₹999 annual fee with a steep ₹2,00,000 spend requirement for waiver, and reward points outside wellness categories accrue at a basic 1 point per ₹100. For wellness-conscious professionals who regularly spend on gym memberships, nutrition, and domestic travel, this card delivers comprehensive tangible value.
4 RP for every ₹100 spent on dining, shopping, groceries, etc. 2 RP for every ₹100 spent on other spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Milestone Spends | 1,000 bonus RP at ₹1.5L, 1,500 at ₹2L, and 2,000 at ₹2.5L annual spend | No Cap | Standard terms apply |
| Dining, Grocery, Shopping & Apparel | 4 Reward Points per ₹100 spent (1.00% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent (0.50% valueback) | 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 |
|---|---|---|---|---|---|---|
| Milestone Spends | ₹6,000 | 1,000 bonus RP at ₹1.5L, 1,500 at ₹2L, and 2,000 at ₹2.5L annual spend | — | None | Calculating... | Under cap |
| Dining, Grocery, Shopping & Apparel | ₹6,000 | 4 Reward Points per ₹100 spent (1.00% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (0.50% valueback) | — | 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
Key Terms & Conditions for Union JCB Wellness Credit Card: • Joining & Annual Fee: ₹999 + GST; annual renewal charge reversed on cumulative annual retail spends exceeding ₹2,00,000. • Comprehensive Wellness Package: 1 complimentary Master Health Screening annually covering 45+ blood parameters and cardiac profiling. • Fitness & Gym Perks: Monthly fitness passes or subscription discounts through empanelled gym and yoga aggregators upon completing minimum monthly spends. • Reward Multipliers: Earn 3 Union Rewardz points per ₹100 on health clubs, nutrition stores, spas, and organic supermarkets; 1 point per ₹100 on general retail. • Domestic Airport Lounge Access: 2 complimentary domestic lounge visits per calendar quarter (8 visits annually) across participating Indian airport terminals. • Foreign Exchange Markup: Concessional 3.00% + GST on international retail transactions.
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 JCB Wellness 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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