CUB SalarySe Level UP
₹13,200 a year, after fees
₹500 fee · Lounges in India · 1% forex markup · Reward rate 1%–7.5%
City Union Bank credit cards: 9 you can apply for
The best one for most people is CUB SalarySe Level UP.
₹13,200a year after fees, at ₹75,000 a month
It pays back the most of the 8 City Union Bank cards open to apply that we can value.
Points and where they go
City Union Bank's main points currency is City Union Bank Reward Points, worth ₹1.00 a point; it does not transfer to an airline or hotel. Its cards earn 2 kinds of points in all.
| Programme | Worth a point | Cards | Partners |
|---|---|---|---|
| City Union Bank Reward Points | ₹1.00 | 6 | none |
| SalarySe SCoins | ₹0.20 | 2 | none |
1 more card pays cash back. Values are what we think a point is worth in India.
Recent changes
We have no dated change to any City Union Bank card on record.
All 11 City Union Bank cards
Fees run ₹0 to ₹4,000, and 6 of them are genuinely free for life. We cannot value 2 of them: City Union Bank publishes no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 9 keep, 2 downgrade, 0 cancel.
Open to apply 9
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CUB SalarySe Level UP
₹13,200 a year, after fees
₹500 fee · Lounges in India · 1% forex markup · Reward rate 1%–7.5%
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CUB SalarySe Level UP Virtual
₹13,200 a year, after fees
₹0 fee · 2% forex markup · Reward rate 1%–5%
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CUB CSK Master World
₹7,600 a year, after fees
₹0 joining + ₹4,000/yr · No forex markup · Reward rate 1%–3%
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CUB SRH Master World
₹7,600 a year, after fees
₹0 joining + ₹4,000/yr · No forex markup · Reward rate 1%–3%
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1 more open to apply by value
Invite only 2
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Dhi CUB Visa Signature
₹10,600 a year, after fees
₹0 fee · 2.5% forex markup · Reward rate 1.3%
Ranked lower: includes a promotional reward rate
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Standard charges
The charges City Union Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.
| Charge | What the bank says | Our read | Cards |
|---|---|---|---|
| Late payment fee | ₹350 on outstanding dues up to ₹25,000; ₹450 above ₹25,000, levied on the outstanding amount net of any payment received before the due date | 6 of 11 | |
| Cash withdrawal fee | Up to 3% of the withdrawal or ₹250 whichever is higher in India; up to 3.5% or ₹1,000 whichever is higher abroad, with interest from the withdrawal date | 6 of 11 | |
| Add-on card fee | ₹500 + GST, one time | 6 of 11 | |
| Over-limit fee | 3% of the over-limit amount, minimum ₹250, charged only where the cardholder has subscribed to the over-limit facility | 6 of 9 |
Cards counts the City Union Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.
City Union Bank in RBI's figures
- Cards in force
- 63,167
- 0.1% of India's cards
- Spent in August 2026
- ₹74 crore
- 52% of it online
- Spend per card
- ₹11,712
- a month, on average
Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures
Sources
The City Union Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.
- Official CUB's Key Fact Statement (KFS v5, 13 April 2026) — the fee table for all six CSK/SRH variants, the 3.5% foreign-currency row and the Master fuel-surcharge band read
- Official CUB Dhi MITC (v27, Feb 2026) — "No annual fee and joining fee", the 2.50% markup, the cashback programme's withdrawal clause and the promotional-only lounge line read
- Official Key Fact Statement — the two-variant fee table, the 1% and 2% foreign-currency fees, 42% interest, and the surcharge lines on rent, fuel, utilities and gaming read
- Official CUB Kavach Key Fact Statement — NIL joining, annual and add-on fees on both variants, 2% a month on extended credit and cash advances, and a 2% foreign-currency markup read
- Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read