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City Union Bank
CUB Kavach Secured Credit Card
RuPay
CUB Kavach Secured Credit Card
City Union Bank's FD-backed secured card, aimed at customers without a strong credit history or income proof who still want a usable RuPay card. Straightforward and fee-light, it trades rewards depth for easy approval.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver on eligible transactions.
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Age: 21–65
Fees & charges
- Foreign currency markup: 2%
- Interest rate: 24% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400–₹3,000 transactions, up to ₹300 per statement cycle
- Cash advance charges: 2% of the withdrawn amount or ₹250, whichever is higher (India); 2% or ₹1,000 abroad
Benefits
- Credit limit set as a percentage of the fixed deposit pledged against the card.
- Fuel surcharge waiver on eligible transactions.
Pros
- + Easy approval against a fixed deposit
- + No joining or annual fee
- + Good option for building credit history
Cons
- − Requires locking funds in an FD
- − Minimal rewards program
- − No lounge access or travel perks