When shopping, travelling, or simply doing everyday spending, you look for a credit card that offers more than just credit. The Union Bank Divaa credit card aims to fill that space. It promises lounge access, lifestyle rewards, health perks, and more, all wrapped in a card made exclusively for women. In this Union Bank Divaa credit card review, you will learn exactly what the Divaa credit card offers, where it shines, where it falls short, and whether it might be a smart pick for you.
Quick Overview
| Feature | Details |
|---|---|
| Card issuer | Union Bank of India |
| Annual fee | ₹499 + GST (main card) |
| Annual fee waiver | Welcome bonus/vouchers |
| Welcome bonus / vouchers | Women who spend regularly on lifestyle, shopping, health and want lounge/travel perks |
| Best for | Women who spend regularly on lifestyle, shopping, health, and want lounge/travel perks |
| Network | RuPay Platinum |
Union Bank Divaa Credit Card Review: Key Benefits
Cashback / Rewards
- You earn 2 reward points for every ₹100 spent on all transactions.
- These points can be redeemed once you collect a minimum of 750 points.
- As with many retail-oriented cards, the real value lies in combining rewards with partner vouchers and offers (see next section).
Travel & Lounge Benefits
- You get 8 complimentary domestic airport lounge visits per year (2 per quarter)
- Plus 2 complimentary international lounge visits per year.
- The card offers a fuel surcharge reimbursement of 1% on fuel transactions (subject to a cap of ₹100 per month).
- Personal accident insurance is included: base cover of ₹2 lakhs, and an additional cover up to ₹10 lakhs (with premium borne by the cardholder).
- Annual health checkup benefit: a woman’s health package (Pap smear, blood tests, etc.).
- Concierge services (24×7) to help with travel, hotel bookings, and referrals.
Shopping / Partner Offers
- The card collates vouchers for partner brands. Typical ones include:
• Nykaa – ₹500 voucher
• Flipkart, Myntra, Big Basket – ₹250 vouchers each (per quarter)
• Lakme Salon vouchers – ₹1,500 per quarter
• Swiggy One – unlimited free deliveries on Food / Instamart orders
• BookMyShow – ₹250 off on purchase of 2 tickets - The voucher benefits are subject to terms & availability, and change over time.
EMI / Big Spend Perks
- While the card supports an interest-free credit period (20 to 50 days) on purchases (typical for credit cards)
- No special big spend milestone perks (other than the fee waiver on ₹30,000 annual spending) are clearly documented.
Union Bank Divaa Credit Card Review: Fees & Charges
| Charge Type | Amount / Rate | Notes |
|---|---|---|
| Annual fee (main card) | ₹499 + GST | First year may be waived, and waived in subsequent years if spend ≥ ₹30,000 |
| Annual fee (add-on card) | ₹399 + GST | Add-on must also be a woman, and ≥ 18 years of age |
| Interest / APR | ~2.95% per month (≈ 35.4% p.a.) | Foreign/forex markup |
| Late payment / overlimit / penalty charges | Standard credit card penalties (not clearly published) | Users must check the bank’s schedule or card T&C for precise values |
| Fuel surcharge | 1% waiver/reimbursement, up to ₹100 per month | Applies to fuel purchases (subject to terms) |
| Foreign / forex markup | Always check with the bank before overseas use | On outstanding balances beyond the due date |
Waiver Conditions:
- The annual fee can be waived if the cardholder spends ₹30,000 in the previous year.
- The first year may also result in a waiver (although this is not always guaranteed).
Pros & Cons
Pros:
- Tailor-made for women: the card is only issued to women.
- Strong lifestyle benefits via vouchers and partner offers
- Airport lounge access (domestic + international)
- Health benefits (annual checkups)
- Fuel surcharge waiver — useful for those who drive regularly
- Insurance cover and concierge included
- Reasonably low annual fee and clear waiver path
Cons:
- The rewards rate (2 points / ₹100) is modest — not extraordinary
- Redemption threshold (750 points) may be somewhat restrictive
- Many voucher benefits depend on merchant tie-ups and may change over time
- The interest rate is high if you carry balances
- The add-on card fee is relatively high (₹399)
- Application process reportedly not fully functional online in some places (branch only)
- The card is women-only, so it is not usable by men or others
Who Should Apply for Divaa?
Best for:
- Women who already spend regularly on shopping, groceries, dining, fashion, salons, etc.
- Those who want lounge access and health perks bundled in
- People who can comfortably meet the ₹30,000 spend threshold each year (to waive the fee)
- First or entry-level premium credit card seekers for women
Not ideal for:
- Casual spenders who won’t reach ₹30,000 in annual spends
- People who prefer high cashback or flat reward rates across all categories
- Men or those outside the eligibility (the card is women-exclusive)
- Heavy travellers seeking more robust travel and international benefits
How to Apply for Divaa
Eligibility Criteria
- Must be a woman to be eligible (primary and add-on)
- Age (salaried): 18 to 65 years; (professionals/business): 18 to 70 years
- Minimum income: ₹2.5 lakhs per annum
- For non-income proof, cards may be issued against a lien on a fixed deposit (with a margin)
- Acceptable CIBIL / credit score cutoff not clearly published, but a good score is likely expected
Documents Required
- Identity proof, address proof (PAN, Aadhar, etc.)
- Passport-size photograph
- For salaried: latest salary slip, Form 16, last 3 months bank statements
- For business / self-employed: ITRs (2 years), business proof, financials
- If FD lien: fixed deposit certificate/account proof
How to Apply
- Application may be done at a branch, as an online application may not always be functional.
- Visit Union Bank’s credit cards portal/branch and fill out the Divaa credit card form
- Submit required documents
- Wait for the sanction and card issuance
FAQs about Union Bank Divaa Credit Card
1. Is Divaa card really only for women?
Yes, the card is designed exclusively for female applicants and add-on cardholders must also be women.
2. What happens if I don’t reach ₹30,000 spend in a year?
You will have to pay the ₹499 annual fee (plus GST). The fee waiver depends on meeting the spend threshold.
3. Can I use the card for UPI / QR / merchant payments?
Yes, since the card is on the RuPay network, it supports UPI and merchant payments (P2M) via BHIM / QR, etc.
4. How do I redeem reward points?
You can redeem them once you have at least 750 points, via the card’s reward portal or partner redemption options.
5. What is the lounge network? Which lounges?
The card offers lounge access domestically and internationally. For specific lounges, you must check the RuPay lounge directory or Union Bank’s lounge list (as partners may change).
Conclusion
In summary, the Union Bank Divaa credit card is a solid lifestyle-oriented card built for women. It mixes everyday rewards, partner vouchers, health perks, and lounge access. The ₹499 annual fee is reasonable, especially because it can be waived with a ₹30,000 annual spend. If you already spend regularly and want extra value from your credit card, Divaa can deliver nice benefits.
However, if your spending is modest, or if you want heavy travel or high cashback benefits, there might be better alternatives. But as a first or mid-level premium card for women, it provides good value.
If you shop a lot on fashion, groceries, health services, or beauty brands, the Divaa card could save you ₹2,000-3,000 or more annually, after accounting for the vouchers, lounge perks, and fuel waiver.
