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Union Bank Divaa Credit card - An Underrated gem

Ram1

TF Legend
VIP Lounge
Exclusively for Women only
Rupay Platinum card
Bin 652982

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Features:
Airport Lounge access - Domestic- 8 per Year (2 per Quarter), International- 2 per Year
2 points (1 Reward Point = Rs. 0.25) per 100 spent
Surcharge on fuel - 1% waiver with a cap of Rs.100 per billing cycle
Accidental Insurance Coverage - Rs.2.00 lakhs

Voucher Benefit (per quarter) :
Nykaa - 500
Myntra - 250
Flipkart - 250
BigBasket - 250
Lakme Saloon(spa) - 1500
Ixigo - 500
BMS - B1G1(250 OFF)
Swiggy One per annum

So, per year approx 10K value.

Eligibility :
• Cards are issued only to Women customers.;
• Primary card holder should be in the age of 18 to 65 years for salaried and 18 to 70 years for professional/business women.
• Add-on card holder should be 18 years and above and should be women only.
• Minimum income should be 2.5 Lakh per annum.
• Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof and Rating Sheet.
• For Business class 2 years IT returns with computation sheets.
• For Salaried class Form16 / ITRs with latest Salary slip.

CIBIL score –
700 & above (for Salaried/Professional/Others)
650 & above (for Employees of PSU/State Government/other Govt. Institutions)

Income Proof :
for Salaried personnel :
If salary account of applicant is with Union Bank of India: The financials of the individual shall be ascertained through last 3 months account statement showing salary credits.
If salary account of applicant is with other Banks: Latest 3 months salary slips showing salary credits and last 3 months account statement.
for Other than salaried personnel :
Income Tax returns for the last 2 years along with computation of income and last 6 months account statement.

Fees:
Joining Fee - NIL
Annual Fee - Rs. 499 + GST
Annual Fees waived in the first year and not levied if usage in the previous year is Rs.30,000/-
Add on card annual fee - 399 +gst
Card Replacement Charges - 199/-

Application process:
Online application not working. Branch is the only way for now
 
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@pinki Ma'm this is the card you need. Pink CC, Lakme vouchers thats all you need ?
Pro Wrestling Wow GIF by Adult Swim
 
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Koi mehnat nhi hai. I have it. 1 form plus 2 yr itr only plus u should be existing customer. Limit will b less i got 15k for rsdc wife got 20k for this card but who want that. Mujhe to bus 1 re k transactionkarne hain. Form is attached. I have not applied for addon will do it in few days. Union recently restarted cc application so branch people may not be aware. Tell them u have received mail regarding this. Any other question.
 

Attachments

Last edited:
Koi mehnat nhi hai. I have it. 1 form plus 2 yr itr only plus u should be existing customer. Limit will b less i got 15k for rsdc wife got 20k for this card but who want that. Mujhe to bus 1 re k transactionkarne hain. Form is attached. I have not applied for addon will do it in few days. Union recently restarted cc application so branch people may not be aware. Tell them u have received mail regarding this. Any other question.
Zero ITR works?
 
Koi mehnat nhi hai. I have it. 1 form plus 2 yr itr only plus u should be existing customer. Limit will b less i got 15k for rsdc wife got 20k for this card but who want that. Mujhe to bus 1 re k transactionkarne hain. Form is attached. I have not applied for addon will do it in few days. Union recently restarted cc application so branch people may not be aware. Tell them u have received mail regarding this. Any other question.
Can u explain when u applied this and what process u went through and timeline from application to approval to card delivery
 
No idea of min fd. Will ask bm tomorrow n let u people know. Cc application started last month only. Applied last month the next day of application started. As expected they dont know abt it. So i told them i received mail from union. Then he called backend and confirmed. Form was not available so he arranged form and sent by mail. Same day i submitted form, Approved same day but that depends on your relationship and how quick branch people u get. I have 2 salary ac 1 current ac 1 udaan with them so it was very easy for me. card received in 5-7 days.
 
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