Union bank of India UNI CARBON vs Union JCB Health Credit Card

[AnkushTheHero]

I currently have the Union UNI CARBON credit card but I am think of changing it to the JCB Health card as it seems better. What do you think?

In the UNI CARBON card, I get 16 rewards on fuel spends with a minimum transaction of 500 and above at authorized HPCL outlets but I never have used it for fuel as I have no need for it. There is no Airport lounge. And the Annual fee is 550 rupees.

For the JCB Health Credit Card, The annual fee is lowered to 499 rupee. There is Airport lounge access, And you get special "benefits" which they say are wroth 31,750 rupees, but in reality most of those benefits are probably useless.

It seems like no brainer to switch to the JCB Health card as I never used the fuel benefits from my current card. Am I missing anything?

 

[Anupama_Jha]

How you got Union Bank credit card? Can you share your experience

 

[AnkushTheHero]

How you got Union Bank credit card? Can you share your experience

I got it in 2023 offline via branch. I have a savings and current account with Union bank. So I just filled out the application form and it got approved in few days. It was my first Credit Card. I don't remember much how the process went.

 

[Anupama_Jha]

I got it in 2023 offline via branch. I have a savings and current account with Union bank. So I just filled out the application form and it got approved in few days. It was my first Credit Card. I don't remember much how the process went.

Income docs provided or not?

 

[AnkushTheHero]

Income docs provided or not?

Yes, last 2 year ITR