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City Union BankCity Union BankLifetime Free

DHI CUB Visa Signature Credit Card

ShoppingDiningFuelTravel
Welcome offerNo intro offer
Annual fee
Lifetime Free
Reward rate
1.25% cashback on all spends
Credit score
650+
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Free to apply via CardGuruji · subject to issuer approval

DHI CUB Visa Signature Credit Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

1.25% cashback on all spends

Cashback is credited as statement credit; minimum redemption ₹100; valid for 12 months from credit date. No caps on standard spends; promotional higher rates may apply on select merchants as per bank communication.

Reward currency
Cashback
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Fuel surcharge waiver

  • Global acceptance

  • Contactless payments

  • Complimentary airport lounge access (selected airports)

  • Zero joining fee

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • No annual fee

  • Cashback on all spends

  • Fuel surcharge waiver

  • Visa Signature benefits

What to watch out for

  • Cashback rate lower than premium cards

  • Limited higher‑rate merchant categories

  • Standard APR is relatively high

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Foreign currency markup
3.5% of transaction value
Late payment
₹500 to ₹2,000 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month (42% p.a.)
Cash advance
3.5% per month (42% p.a.)
Eligibility

Will you qualify?

The credit profile this card is typically approved for.

650+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of City Union Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about DHI CUB Visa Signature Credit Card

Everything you need to know about DHI CUB Visa Signature Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for DHI CUB Visa Signature Credit Card is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for DHI CUB Visa Signature Credit Card from City Union Bank, a CIBIL score of 650 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

DHI CUB Visa Signature Credit Card is designed to reward everyday spends. It currently features: "No intro offer". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via City Union Bank's rewards portal.

Yes, DHI CUB Visa Signature Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for DHI CUB Visa Signature Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.