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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

1752075539287.webp


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:
Udaan is the hardest man. Now they r asking docs strictly.
Plus virtual card is also not sure shot. Just lucky one's getting it.

If you have money, better to open HNI account and get this card and downgrade to sbgen
Which docs?

Is there any other requirement for this account variant apart from 10k MAB?
 
Exclusively for Women only
Rupay Platinum card
Bin 652982

View attachment 103083


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
Seems good but Lazy to try.
It's psu you know.
And there is also a nightmare of filling all credit card details, something like that!
 
Which docs?

Is there any other requirement for this account variant apart from 10k MAB?
U have to be professional like engineer, doctor etc...
They will ask proof for above like degree certificate or employment id card etc...

For more details check this thread
 
If they it from cibil then no problem, cibil provides account no of card but in the union application we have to write our other bank card numbers which is concern for privacy
It all depends on if they want to issue u card or not. If they want u just need to sign. If they dont want then even if u give ur property papers u wont get.
For me i just filled my basic details with 2 yr itr and latest form 16. Rest he filled himself.
Psu banks work on branch recommendations for all loans including cc.
 
It all depends on if they want to issue u card or not. If they want u just need to sign. If they dont want then even if u give ur property papers u wont get.
For me i just filled my basic details with 2 yr itr and latest form 16. Rest he filled himself.
Psu banks work on branch recommendations for all loans including cc.
Yeah
I just in one thread here in tf, that union bank asked one guy to write all his card numbers on a white paper lol
 
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