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City Union Bank
City Union Bank Classic Visa Credit Card
Visa
City Union Bank Classic Visa Credit Card
City Union Bank's basic own-brand Visa card, distinct from its co-branded CSK, DHI, and SRH World cards, for retail customers who want a simple everyday card.
Annual fee
₹300
Joining fee
₹300
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
Pros
- + Wider Visa acceptance than RuPay-only entry cards
- + Fuel surcharge waiver
- + Low, easily waived fee
Cons
- − Minimal reward earning
- − No co-brand perks unlike CUB's cricket-linked cards
- − No lounge access