Divaa Women-only Rupay Platinum Credit Card Relaunched: Benefits, Eligibility, Charges, more
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Public sector bank, Union Bank of India has relaunched its credit card which is exclusively for women. It is rebranded as the Divaa Rupay Platinum Credit Card. This card promises women oriented benefits (spa & salon, healthcare, etc.) as well as airport lounge access, online shopping, travel, entertainment, food & grocery, and much more.
Since it is a Rupay Card, you can make UPI payments using the BHIM app. Moreover, all Rupay Platinum card offers on 50+ merchants including Boat, HealthKart, Reliance Digital, Jio, JioMart, MakeMyTrip, Cookie Man, Tupperware, and Bewakoof can be accessed.
The Divaa Rupay Platinum Credit Card promises ₹24,000+ of yearly savings. Moreover, women get Free Annual Health Checkup on Health Package including Pap Smear & Blood Tests. They also get Personal Accident Insurance and Permanent Disability Cover of up to ₹10 Lakhs.
Offer |
Benefits |
Urban Clap |
Complimentary Annual Membership of Urban Clap |
Nykaa |
Discount Voucher worth 500/- |
Flipkart |
Discount Voucher worth 250/- |
Myntra |
Discount Voucher worth 250/- |
Lakme Salon |
Discount Voucher worth 1500/- |
Ixigo |
Instant Discount worth 500/- |
BookMyShow |
Flat 250/- Off on minimum purchase of 2 movie/non-movie tickets |
Swiggy One Membership |
Unlimited free deliveries on Food and Instamart orders |
Big Basket |
Discount Voucher worth 250/- |
Airport Lounge Access |
8 Complimentary Domestic lounge access (2 per quarter) and 2 International lounge access per year |
Concierge Services |
Avail 24/7 host of Referral services from Travel assistance to Hotel reservations to Consultancy services |
Reward Points |
2 Reward Points on every ₹100 spent |
Interest Free Credit |
Interest free credit period of 20 to 50 days |
Fuel Surcharge Reimbursement |
1% of fuel purchase transaction. Reimbursed to a maximum amount of 100/- per month. |
Lost Card Insurance |
Upto 1,50,000/- |
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The Divaa Rupay Platinum Credit Card has no joining fee. Moreover you get 1st year Free on spending minimum ₹30,000 over the year. Overall Fees & Charges are fine which makes it a good credit card for women to start with.
Admission Fee |
Nil |
Annual Subscription - Main card |
499/- |
Annual Subscription - Add on card |
399/- |
Annual Subscription waived in the first year and not levied if usage in the previous year |
30,000/- |
Minimum Payment Due (MPD) |
5% |
Cash Advance Limit |
30% of the sanctioned limit |
Interest on cash advance charges |
2.5% per month |
Lost Card Charges |
Nil |
Lost Card Replacement Charges |
199/- |
Charge Slip Request Charges |
200/- |
Transactions charges at Railways |
1.5% + IRCTC Charges |
Foreign Currency Mark up |
3% |
Temporary Enhancement charges per occasion |
₹200 |
Hot Listing Charges |
Nil |
Hot Listing Charges if MPD not paid |
200/- |
Cash withdrawal through Union Bank of India ATMs |
3 % on the amount withdrawn or 200/- whichever is higher |
Cash Withdrawal charges Other Bank ATMs |
50/- in addition to 3 % on the amount withdrawn or 200/- whichever is higher |
Service charge on revolving credit facility if MPD is paid within due date |
2.5% p.m or 30% on annualized basis |
Service charge on revolving credit facility if MPD is not paid within due date |
2.95% p.m or 35.40% on annualized basis |
Over limit charges |
2.5% of the over limit amount, minimum 250/- |
Late Payment Charge for Outstanding of up to 25,000/- |
200/- |
Late Payment Charge for Outstanding of Above 25,000/- |
500/- |
You can choose to pay Minimum Payment Due (MPD) which is 5% of total amount due with a min of ₹100 + unpaid MPD of the previous month + EMI (if any) payable during the month.
EMI facility is available and can be availed for 3/6/9/12 months except for Gold purchase, Cash withdrawals, Fuel transactions, and transactions done at Bar. Besides, Processing Fee is 2% (minimum 200 and maximum 1000), Rate of Interest is 16% p.a. on reducing balances, and Pre-closure Fee is 2% of the outstanding amount under EMI which is still not due.
The most important Eligibility Criteria is that only women can Apply for the Divaa Union Bank Rupay Credit Card. Documentation include filled Credit Card Application form, Passport Size Colour Photograph, Latest Income Tax Returns for 2 years / Form 16 / Salary Slip, and Proof of Address (ID Proof, PAN Copy as per KYC norms).
• Age of 18 to 65 years for salaried and 18 to 70 years for professional/business women.
• The 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.
This was all about the women-only Divaa Rupay Platinum Card by Union Bank of India. There’s also one from HDFC Bank in Solitaire Visa Platinum Credit Card which you can explore.
Good work @FighterMan
Consolidated almost all facts.
@AyushiiiVijay @Wontdisplaymyname @HasdaChehra @denilsond4 @Priyanka
OK now i will have to go for gender surgery for this card?
Existing Union bank account holders can apply RuPay credit cards only.
Union bank RuPay variant credit card apply link - https://stp.unionbankofindia.co.in/stp/apply...ay
A few hours ago, I was going to ask @Rosh_0007 to change or add the card name to Divaa on my post, but I forgot to ask. 😬
Public sector bank, Union Bank of India has relaunched its credit card which is exclusively for women. It is rebranded as the Divaa Rupay Platinum Credit Card. This card promises women oriented benefits (spa & salon, healthcare, etc.) as well as airport lounge access, online shopping, travel, entertainment, food & grocery, and much more.
Since it is a Rupay Card, you can make UPI payments using the BHIM app. Moreover, all Rupay Platinum card offers on 50+ merchants including Boat, HealthKart, Reliance Digital, Jio, JioMart, MakeMyTrip, Cookie Man, Tupperware, and Bewakoof can be accessed.
The Divaa Rupay Platinum Credit Card promises ₹24,000+ of yearly savings. Moreover, women get Free Annual Health Checkup on Health Package including Pap Smear & Blood Tests. They also get Personal Accident Insurance and Permanent Disability Cover of up to ₹10 Lakhs.
Offer
Benefits
Urban Clap
Complimentary Annual Membership of Urban Clap
Nykaa
Discount Voucher worth 500/-
Flipkart
Discount Voucher worth 250/-
Myntra
Discount Voucher worth 250/-
Lakme Salon
Discount Voucher worth 1500/-
Ixigo
Instant Discount worth 500/-
BookMyShow
Flat 250/- Off on minimum purchase of 2 movie/non-movie tickets
Swiggy One Membership
Unlimited free deliveries on Food and Instamart orders
Big Basket
Discount Voucher worth 250/-
Airport Lounge Access
8 Complimentary Domestic lounge access (2 per quarter) and 2 International lounge access per year
Concierge Services
Avail 24/7 host of Referral services from Travel assistance to Hotel reservations to Consultancy services
Reward Points
2 Reward Points on every ₹100 spent
Interest Free Credit
Interest free credit period of 20 to 50 days
Fuel Surcharge Reimbursement
1% of fuel purchase transaction. Reimbursed to a maximum amount of 100/- per month.
Lost Card Insurance
Upto 1,50,000/-
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The Divaa Rupay Platinum Credit Card has no joining fee. Moreover you get 1st year Free on spending minimum ₹30,000 over the year. Overall Fees & Charges are fine which makes it a good credit card for women to start with.
Admission Fee
Nil
Annual Subscription - Main card
499/-
Annual Subscription - Add on card
399/-
Annual Subscription waived in the first year and not levied if usage in the previous year
30,000/-
Minimum Payment Due (MPD)
5%
Cash Advance Limit
30% of the sanctioned limit
Interest on cash advance charges
2.5% per month
Lost Card Charges
Nil
Lost Card Replacement Charges
199/-
Charge Slip Request Charges
200/-
Transactions charges at Railways
1.5% + IRCTC Charges
Foreign Currency Mark up
3%
Temporary Enhancement charges per occasion
₹200
Hot Listing Charges
Nil
Hot Listing Charges if MPD not paid
200/-
Cash withdrawal through Union Bank of India ATMs
3 % on the amount withdrawn or 200/- whichever is higher
Cash Withdrawal charges Other Bank ATMs
50/- in addition to 3 % on the amount withdrawn or 200/- whichever is higher
Service charge on revolving credit facility if MPD is paid within due date
2.5% p.m or 30% on annualized basis
Service charge on revolving credit facility if MPD is not paid within due date
2.95% p.m or 35.40% on annualized basis
Over limit charges
2.5% of the over limit amount, minimum 250/-
Late Payment Charge for Outstanding of up to 25,000/-
200/-
Late Payment Charge for Outstanding of Above 25,000/-
500/-
You can choose to pay Minimum Payment Due (MPD) which is 5% of total amount due with a min of ₹100 + unpaid MPD of the previous month + EMI (if any) payable during the month.
EMI facility is available and can be availed for 3/6/9/12 months except for Gold purchase, Cash withdrawals, Fuel transactions, and transactions done at Bar. Besides, Processing Fee is 2% (minimum 200 and maximum 1000), Rate of Interest is 16% p.a. on reducing balances, and Pre-closure Fee is 2% of the outstanding amount under EMI which is still not due.
The most important Eligibility Criteria is that only women can Apply for the Divaa Union Bank Rupay Credit Card. Documentation include filled Credit Card Application form, Passport Size Colour Photograph, Latest Income Tax Returns for 2 years / Form 16 / Salary Slip, and Proof of Address (ID Proof, PAN Copy as per KYC norms).
• Age of 18 to 65 years for salaried and 18 to 70 years for professional/business women.
• The 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.
This was all about the women-only Divaa Rupay Platinum Card by Union Bank of India. There’s also one from HDFC Bank in Solitaire Visa Platinum Credit Card which you can explore.