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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
 
Last edited:
C2c majak kar rhe ho bhai. Branch wale pahle tumhe ye bolenge ki union ka cc ab apply nhi hota.
Ac to shayad online open ho jata hoga. Fd b approved me option hota hai. But don't take FD card. Not worth
Haa yehi hoga bro. I know these psus guys always tries to skip or postpone the work at that moment. We have to look serious or tell them rules,then only they will work .
 
C2c majak kar rhe ho bhai. Branch wale pahle tumhe ye bolenge ki union ka cc ab apply nhi hota.
Ac to shayad online open ho jata hoga. Fd b approved me option hota hai. But don't take FD card. Not worth
But if they can issue 15k to u even though the base limiit is 50k.
Then we can negotiate fd amount too, 15 to 20k fd is worth for this card.
Interest on fd plus vouchers
 
What I would suggest if anyone want to.

Open Union udaan account, 10K MAB, get 2 RSDCs

Then, apply for this credit card. It would have been best combo. Just the hassle is visiting the branch,

I had worst experience at union bank, account kholne se pehle band kardiya tha lol
 
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