M16S / City Union Bank / City Union CUB Kavach Secured Credit Card
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City Union CUB Kavach Secured Credit Card
The City Union CUB Kavach Secured Credit Card charges no annual fee and no joining fee. The forex markup is 2%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 2%
- Interest
- 2%a month
Apply on cityunionbank.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Joining, annual and add-on fees nil for both RuPay and Master variants (KFS). Limit enhancement Rs 200 per occasion. |
Travel and perks
| Forex markup | 2% |
|---|---|
| Fuel surcharge waiver | 1% waiver on Rs 400-3,000 fuel txns, cap Rs 300 per statement cycle |
Charges and eligibility
| Interest per monthunverified | 2% |
|---|---|
| Late payment fee | Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000 |
| Cash advance fee | India: 2% or Rs 250, whichever is higher; abroad: 2% or Rs 1,000, whichever is higher |
| Eligibilityunverified | Issued against a City Union Bank fixed deposit held as continuing security. Minimum FD and limit percentage are not stated in the MITC or KFS. |
| Fine-print notes | The fee schedule shows 2% a month (24% a year) but the interest illustration in the same MITC/KFS says 3.5% a month 'will be applicable initially'; confirm with the bank. Rewards or cashback are not described in the MITC or KFS, although the apply link carries a 'cc-rewards-cashback' campaign tag. 1% fee on rent and wallet loads; 1% on fuel once Rs 50,000 per cycle, utilities once Rs 25,000, online gaming once Rs 10,000. Over-limit 3% min Rs 250. |
Questions
- What is the annual fee of the City Union CUB Kavach Secured Credit Card?
- No annual fee.
- What is the forex markup on the City Union CUB Kavach Secured Credit Card?
- 2% of each foreign-currency transaction, before GST.