Union JCB Wellness

Up to 4 points/₹100 eligible shopping/dining/grocery at ₹0.25/point; year-two fee model. Confirm merchant category and eligibility.

Where it pays

Wellness issuer page gives 4 points/₹100 on Dining, Shopping, Groceries, Departmental Stores and Apparel, and 2 points/₹100 on other non-fuel spend. The 4-point rate is modeled only for generic shopping, dining and grocery chips where the merchant category is reasonably identified. Other categories use 2-point base. Milestones, merchant and lifestyle benefits omitted. 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: ₹999 joining and ₹999 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 .

Issuer source

https://www.unionbankofindia.bank.in/en/details/union-jcb-wellness-credit-card

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