Dhi CUB Visa Signature
Keep1.25% off the bill on a card that costs nothing — for two years, and CUB is counting.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹200 gross (earn ₹200) against its ₹0 fee = ₹200 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #368
Why #368 A flat 1.25% with no published monthly cap is a better everyday rate than most free cards manage — but CUB time-boxed it to two years in its own marketing copy, and a rate with an expiry date cannot be ranked as though it were permanent.
The take
City Union Bank is a small Tamil Nadu private bank issuing on its own licence, and the Dhi is the most straightforward thing on its shelf: no joining fee, no annual fee, no add-on fee, and cashback credited straight against next month's balance. The rate is the reason to look. CUB publishes no monthly ceiling on it — not on the product page, not in the FAQ, not anywhere in a forty-page MITC — which on an Indian cashback card is unusual enough to be the headline. It is not unlimited-in-writing, it is simply uncapped-in-silence, and those are different things. Now the two catches, and the first is the one that matters. CUB's own marketing says the rate runs "for next 2 years", and the MITC reserves the right to "replace wholly or in part, the prevailing Cash Back Program by another rewards program, or withdraw it altogether … even though the changes may affect cash back already earned." That is a rate with a published expiry and a written escape hatch, so treat it as a two-year run, not a standing offer. The second is scope: cashback is POS and online retail only. Fuel, rent, government payments, cash advances, balance transfers, EMI and the bank's own fees earn nothing, and rent additionally carries a 1% surcharge and cannot exceed 40% of your limit in a month. Forex is 2.50%, better than the 3.5% norm but beaten outright by CUB's own FD-backed Dhi, which charges nil. There is no lounge access to speak of: the MITC promises domestic lounge entry only "subject to the availability of an active promotional offer at the time of travel", which is a marketing campaign, not a quota, and we will not count it as one. Hold this as a free everyday card for ordinary retail spend, and diarise the two-year mark.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹3,800 a year at ₹3,00,000 of annual spend
₹7,500 a year at ₹6,00,000 of annual spend
₹15,000 a year at ₹12,00,000 of annual spend
₹45,000 a year at ₹36,00,000 of annual spend
₹75,000 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
City Union Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- No joining fee, no annual fee and no add-on fee — CUB prints all of it as one "No annual fee and joining fee" line
- 1.25% credited against next month's statement balance, with no monthly ceiling published anywhere
- 2.50% forex markup, a full point under the 3.5% most Indian issuers charge
- 1% fuel surcharge reimbursed within CUB's stated limits
- Up to 45 days of interest-free credit, and a free CUB keychain debit card thrown in
Watch out
- CUB'S OWN COPY TIME-BOXES THE RATE: "Monthly 1.25% CashBack* for next 2 years" — this is not a permanent rate
- The MITC reserves the right to withdraw or replace the cashback programme entirely, "even though the changes may affect cash back already earned"
- No cashback on fuel, rent, government payments, cash advances, balance transfers, EMI or the bank's own fees and charges
- CUB publishes NO monthly cap on the cashback — welcome, but it also means there is no written ceiling to hold the bank to
- Rent carries a 1% surcharge (MCC 6513) and is capped at 40% of your credit limit per calendar month
- No lounge quota: the MITC offers domestic lounge access only "subject to the availability of an active promotional offer", which is not access we will count
- Revolving and cash advances both cost 3.50% a month — 42% a year — and cash advances carry a 5% or ₹500 fee on top
- Cashback is statement credit: it reaches no airline, no hotel and no transfer partner
What these points actually fly
No live transfer route takes Statement cashback (₹) into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Invite-only — there is no public application form. The bank calls you.
CUB's public application funnel at cityunionbank.bank.in, and in practice through the branch — the bank's own product note says the Dhi range launched "with an initial focus on issuing these cards to existing current and savings deposit customers", so an existing CUB relationship is the smooth route in. CUB publishes no income criterion, no age band and no credit-score floor for this card. If an unsecured limit is not on offer, the FD-backed sibling is the same product against a fixed deposit of ₹10,000 or more — and it charges nil forex where this one charges 2.50%, which is worth asking about even if you would qualify unsecured.
City Union Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official City Union Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
FEE PROVENANCE: the MITC prints ONE combined row, "Annual Fees — No annual fee and joining fee", in both the main Schedule of Charges and Annexure 1, so the card file carries annualFee 0 alone and no joiningFee — CUB draws no joining/renewal distinction on this card. Marketed as the "Dhi CUB Visa Signature Credit Card"; the MITC calls the same variant "CUB Dhi Unsecured Credit Card". CUB issues on its OWN licence, with Pismo as card platform and 42CardSolutions Pvt Ltd as technology and lending service provider. THE RATE IS TIME-BOXED: CUB's own page says "Monthly 1.25% CashBack* for next 2 years", and the MITC reserves the right to withdraw or replace the Cash Back Program "even though the changes may affect cash back already earned" — a devaluation-tracker candidate, not a permanent rate. Cashback is POS and online retail only: fuel, rent, cash advances, government payments, balance transfers, EMI and the bank's own fees all earn nothing. NO MONTHLY CAP is published anywhere on the product page, in the FAQ, or in the 40-page MITC. NO LOUNGE ACCESS IS TAGGED: the MITC offers domestic lounge entry only "subject to the availability of an active promotional offer at the time of travel", which is a campaign, not a quota. Rental payments (MCC 6513) carry a 1% surcharge and are capped at 40% of the credit limit per calendar month. Fuel surcharge 1%, reimbursed within CUB's stated limits. Card replacement ₹500. Return payment 2.5%. Physical statements ₹50, e-statements free.
per the official City Union Bank MITC · reviewed 10 Jul 2026
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against City Union Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official CUB's credit-card page — "Monthly 1.25% CashBack* for next 2 years", the POS-and-online-only scope, the 2.5% forex markup and "your Credit Card does not have an annual fee"
- 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