Divaa Credit Card: The Divaa Credit Card by Union Bank of India was launched in the month of March of this year only specifically for women. As the name suggest “Divaa” is credit card is for the shopping for women and other different benefits through online shopping.
“Divaa” Credit Card variant which comes with feature packed benefits and exclusive offers to Women. It also offers complimentary Airport lounge access, and other important online offers as well.
Therefore, here in this article we are going to see the benefits and features offered by the Divaa Credit Card and the eligibility to apply for the same.
Contents
1. Divaa Credit Card Features and Benefits
The Divaa Credit Card comes with benefits and features across different categories such as online shopping, travel, entertainment and so on.
Here we have mentioned the features and benefits offered by the Divaa Credit Card:
- Annual Fee and Charges: The annual fee is low at Rs. 499 and can be waived by spending Rs. 30,000 or more.
- Travel Benefits: At selected airport lounges get 8 complimentary domestic lounge access i.e., 2 per quarter and 2 complimentary international airport lounge access per year.
- Fuel Surcharge Waiver: fuel surcharge waiver of 1%, at fuel pumps all over India with max waiver capped at Rs. 100 per calendar month.
- Concierge services: You can avail of a host of referral services like travel assistance, hotel reservations, consultancy services, etc., on a 24/7 basis.
- RuPay offers: As the card is issued on the RuPay network, it is eligible for various merchant offers and cashback offers provided by RuPay. These include offers on categories like Eateries, Restaurants & Utility Payments provided by RuPay. The offers may change from time to time.
- Insurance Benefits: Get a worth of Rs. 2 lakhs, as insurance coverage in case of loss of life. Additional accidental insurance coverage of Rs. 10 lakhs with premium borne by the card holder.
2. Divaa Credit Card Fees and Charges
- The Joining fee charges are- Nil.
- The Annual fee and renewal fee charges, an annual membership fee of Rs. 499/- and Rs. 399/- and that is from second year onwards.
- The Cash withdrawal fee, is Rs. 50/- in addition to 3% i.e., Rs. 200 of the withdrawn amount.
- An interest rate of 3% per month is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 3% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
3. Divaa Credit Card Eligibility Criteria to Apply
The common eligibility criteria and the documents required to apply for Divaa Credit Card are as follows:
- The age limit for applying for this card is 18-65 years of age for salaried employees and 18-70 years of age for professional or businesswoman.
- The cardholder should be a women and Indian resident.
- The applicant’s minimum income should be Rs. 2.5 lakhs per annum. The salaried individual will have to submit her Form 16/ITR along with the latest salary slip. The businesswoman will have to submit two years of ITR.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License, Copy of the applicant’s ticket/Visa (self-attested) and Copy of your Passport (self-attested).
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for Divaa Credit Card
For Interested candidates can apply for the card through online and offline mode. For that they need to visit the official website of Union Bank of India and can get all the needed information there.
Overall, the Divaa credit card is a good entry-level women-only credit card. If you are new to credit cards and applying for the first credit card, you may go for this card.
These are the way in which you can apply for Divaa credit card.
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