M16S / City Union Bank / City Union CUB CSK RuPay Platinum Credit Card
entry · cobrand, rewards, lifetime-free, upi
City Union CUB CSK RuPay Platinum Credit Card
The City Union CUB CSK RuPay Platinum Credit Card charges no annual fee and no joining fee. Its base return is 0.33% (1 RP per Rs 150; 2 RP per Rs 150 on UPI transactions). Accelerated earn: 2X on apparel, department stores, food delivery; 3X on CSK merchandise and match tickets. The forex markup is 3.5%. Lounge visits in India: Airport lounge access is advertised (CardInsider); counts not found. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.33%
- Forex markup
- 3.5%
- Interest
- 3.5%a month
What changed on this card
- City Union Bank adds 1% fees on wallet loads, fuel, utility and gaming spends from 1 Oct 2025
From 1 October 2025 the CSK and SRH cards charge 1% on wallet loads, and 1% once cumulative spends per statement cycle reach INR 50,000 on fuel, INR 25,000 on utilities or INR 10,000 on online skill-based gaming. Source: City Union Bank, cityunionbank.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free per MITC V5 / KFS V5. Add-on card Rs 500 + GST one-time. |
Rewards
| Welcome benefitunverified | Exclusive CSK co-branded goodies as welcome gift (CardInsider launch article) |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 RP per Rs 150; 2 RP per Rs 150 on UPI transactions |
| Base return | 0.33% |
| Point value | 1 RP = Rs 0.50 |
| Accelerated earn | 2X on apparel, department stores, food delivery; 3X on CSK merchandise and match tickets |
| Spends that earn nothing | No RP on MCCs: utilities & telecom 4800-4999; gold/jewellery 5094, 5944; rent 6513; wallet 6538-6542; insurance 5960-6399; government 9000-9999; fuel 5172, 5541, 5542, 5983; cash 6010-6012, 6050, 6051; gambling 7801, 7995, 9754; education 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351. |
| Reward notes | base_return_pct = 1 RP / Rs 150 x Rs 0.50 (non-UPI); UPI spends earn 0.67%. Redemption on rewards.cub.bank.in for vouchers and merchandise; minimum redemption may apply; no redemption fee listed. |
Travel and perks
| Domestic loungeunverified | Airport lounge access is advertised (CardInsider); counts not found |
|---|---|
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver on Rs 400-3,000 fuel txns, cap Rs 300 per statement cycle |
| Other freebiesunverified | Complimentary air / personal accident cover via Royal Sundaram on select cards (details in insurance document, not read). Discounts on official CSK merchandise (CardInsider). |
Charges and eligibility
| Interest per month | 3.5% |
|---|---|
| Late payment fee | Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000 |
| Cash advance fee | India: up to 3% or Rs 250, whichever is higher; abroad: up to 3.5% or Rs 1,000, whichever is higher |
| Eligibilityunverified | Aggregator: age 18-65, Indian resident, salaried or self-employed. |
| Fine-print notes | Fine print (MITC V5): 1% fee on fuel spends once cumulative Rs 50,000 per cycle; 1% on utilities once Rs 25,000 per cycle; 1% on online skill gaming once Rs 10,000 per cycle; 1% on every wallet load and rent payment; over-limit 3% min Rs 250; add-on card Rs 500; EMI processing 2% (Rs 200-1,000), foreclosure 5%. Product pages (co-branded-creditcard, srh-bankingpartner) disallow automated reading, so welcome benefits, lounge access and team perks could not be read. An earlier MITC (v4, Nov 2025) showed joining fees of Rs 500 / 1,000 / 4,000; V5 (Apr 2026) shows joining fee nil. Reward caps and point expiry period are not stated ('may expire as per Bank's policy'). CardInsider's launch article quotes the older joining fees (Rs 500 / 1,000 / 4,000 + GST); the welcome gifts may have been tied to those fees. |
Questions
- What is the annual fee of the City Union CUB CSK RuPay Platinum Credit Card?
- No annual fee.
- Does the City Union CUB CSK RuPay Platinum Credit Card give airport lounge access?
- Yes. In India: Airport lounge access is advertised (CardInsider); counts not found. Outside India: none listed.
- What is the forex markup on the City Union CUB CSK RuPay Platinum Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the City Union CUB CSK RuPay Platinum Credit Card?
- No RP on MCCs: utilities & telecom 4800-4999; gold/jewellery 5094, 5944; rent 6513; wallet 6538-6542; insurance 5960-6399; government 9000-9999; fuel 5172, 5541, 5542, 5983; cash 6010-6012, 6050, 6051; gambling 7801, 7995, 9754; education 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351.