Divaa Women-only Rupay Platinum Credit Card Relaunched: Benefits, Eligibility, Charges, more

Only Women with Min ₹2.5 Lakh/Year Earnings can Apply for this Rupay Credit Card by Union Bank of India. It includes Benefits Tailor-made for Women in their Day-to-Day Life.

by FighterMan Updated: 29 Mar, 2024, 10:26 IST
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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.

Divaa Women-only Rupay Platinum Credit Card by Union Bank of India

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.

Divaa Rupay Platinum Credit Card Benefits: Reward Points, Offers, more

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.



Urban Clap

Complimentary Annual Membership of Urban Clap


Discount Voucher worth 500/-


Discount Voucher worth 250/-


Discount Voucher worth 250/-

Lakme Salon

Discount Voucher worth 1500/-


Instant Discount worth 500/-


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/-

Divaa Rupay Platinum Credit Card Fees & Charges

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


Annual Subscription - Main card


Annual Subscription - Add on card


Annual Subscription waived in the first year and not levied if usage in the previous year


Minimum Payment Due (MPD)


Cash Advance Limit

30% of the sanctioned limit

Interest on cash advance charges

2.5% per month

Lost Card Charges


Lost Card Replacement Charges


Charge Slip Request Charges


Transactions charges at Railways

1.5% + IRCTC Charges

Foreign Currency Mark up


Temporary Enhancement charges per occasion


Hot Listing Charges


Hot Listing Charges if MPD not paid


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/-


Late Payment Charge for Outstanding of Above 25,000/-


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. 

Eligibility Criteria & Documentation for the Union Bank Women Rupay Credit Card

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.

I love saving money on everything. My aim is to get my readers what they are looking for and that too without wasting much of their time. Whatever I am writing on, you are sure to find a way to save good!
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Finance Ninja Finance Ninja
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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. 😬

Finance Ninja Finance Ninja
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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

Generous Generous
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OK now i will have to go for gender surgery for this card?

Tech Guru Tech Guru
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Deal Cadet Deal Cadet
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can you get a add card your husband so that they can enjoy 
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Deal Subedar Deal Subedar
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Good work @FighterMan

Consolidated almost all facts.

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