Union Bank of India · Scored card guide

Divaā

2 points/₹100 eligible ordinary spend at ₹0.25/point; year-two fee model. Confirm merchant category and eligibility.

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Where it pays

Divaā issuer page gives 2 points/₹100 spent. Gender eligibility and bundled lifestyle benefits are not modeled. Issuer says each point is worth ₹0.25; credit-card rewards may be redeemed against a bill or for other offered rewards, not automatic cash. Cash withdrawals do not earn points. Fuel and ambiguous utilities and brand/payment-specific routes are left unscored. Issuer KFS: ₹0 joining and ₹1,499 annual fee from year two, exclusive of GST. Model deducts year-two annual fee plus estimated GST, not joining fee; first-year net differs. Conditional renewal waiver is not assumed. Redemption minimum, eligibility, actual value and transaction-level rounding may vary. https://ubicards.unionbankofindia.bank.in/access/keyFactStmt!go.action .

Modeled annual cost: Joining fee ₹0 plus GST in year one; recurring year-two annual fee ₹1,499 plus estimated 18% GST. Calculator deducts the year-two fee. Waivers omitted.

Issuer source

https://www.unionbankofindia.bank.in/en/details/divaa-credit-card

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Check current issuer terms before applying.

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