M16S / City Union Bank / City Union CUB Dhi Credit Card (Unsecured)
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City Union CUB Dhi Credit Card (Unsecured)
The City Union CUB Dhi Credit Card (Unsecured) charges no annual fee and no joining fee. Its base return is 1.25%. The forex markup is 2.5%. Lounge visits in India: Only while a promotional offer is active (MITC). Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 1.25%
- Forex markup
- 2.5%
- Interest
- 3.5%a month
Apply on cityunionbank.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | No joining or annual fee, including add-ons (up to 5). Card replacement Rs 500. |
Rewards
| Reward currency | Cashback |
|---|---|
| Base earnunverified | 1.25% monthly cashback on POS and online retail spends (product page; 'valid for the next 2 years') |
| Base returnunverified | 1.25% |
| Point value | Cashback credited to the following month's statement |
| Caps | No cap stated on the product page. |
| Spends that earn nothing | Fuel, rent, cash advances, government transactions, balance transfers, EMI, fees and charges. |
| Reward notes | base_return_pct is the stated 1.25% cashback. MITC v27 (Feb 2026) only says cashback is earned at eligible merchant categories that the bank may change; the 1.25% rate is on the product page, which mixes several Dhi variants. |
Travel and perks
| Domestic lounge | Only while a promotional offer is active (MITC) |
|---|---|
| Forex markup | 2.5% |
| Fuel surcharge waiver | 1% surcharge waived up to Rs 40,000 fuel spend per calendar month, max Rs 8,000 per transaction |
Charges and eligibility
| Interest per month | 3.5% |
|---|---|
| Late payment fee | Rs 350 if outstanding up to Rs 25,000; Rs 450 above; 3-day grace |
| Cash advance fee | 5% or Rs 500, whichever is higher |
| Eligibility | Initially targeted at existing CUB savings and current account customers; limit at bank's discretion based on credit score. |
| Fine-print notes | Run on Pismo and managed by CUB's technology/lending service provider 42 Card Solutions. Product page lists Dhi CUB Visa Signature, Platinum, Master and RuPay variants plus corporate cards without separate terms. CUB's charges page (dated Jan 2024) shows interest up to 2.95% a month and late fee Rs 500; the Feb 2026 MITC shows up to 3.5% a month and Rs 350/450. MITC used. 1% surcharge on rent (MCC 6513). Whether new applications are currently open is not stated. |
Questions
- What is the annual fee of the City Union CUB Dhi Credit Card (Unsecured)?
- No annual fee.
- Does the City Union CUB Dhi Credit Card (Unsecured) give airport lounge access?
- Yes. In India: Only while a promotional offer is active (MITC). Outside India: none listed.
- What is the forex markup on the City Union CUB Dhi Credit Card (Unsecured)?
- 2.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the City Union CUB Dhi Credit Card (Unsecured)?
- Fuel, rent, cash advances, government transactions, balance transfers, EMI, fees and charges.