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City Union Bank
Dhi CUB Visa Signature Credit Card
Visa
Dhi CUB Visa Signature Credit Card
City Union Bank's flagship credit card, offering a flat 1.25% cashback on most POS and online retail spends, with lifetime-free joining and annual fees.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1.25%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1.25% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions up to ₹8,000 each, up to ₹40,000 of fuel spend a month
- 🌍 Forex / international spend
2.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Rewards redemption fee: No fee — cashback is credited automatically as statement credit
- Foreign currency markup: 2.5%
- Fuel surcharge waiver: 1% fuel surcharge waived on fuel transactions up to ₹8,000 each, on up to ₹40,000 of fuel spend per calendar month
- Cash advance charges: 5% of the amount withdrawn or ₹500, whichever is higher (unsecured Dhi card)
Benefits
- 1% fuel surcharge waiver on fuel transactions up to ₹8,000 each, up to ₹40,000 of fuel spend a month
- Free CUB Keychain Debit Card for contactless tap payments
Pros
- + Zero joining fee and lifetime-free annual fee
- + Flat 1.25% cashback across most retail/online spends
- + Daily fuel surcharge reimbursement
Cons
- − High revolving interest rate of up to 42% p.a. (3.5% per month)
- − Cashback excludes fuel, rent, government and cash-advance transactions