Guide to Applying for a Credit Card in City Union Bank (CUB)
1. 📎 Eligibility & Required Documents
✅ Eligibility Criteria
- Indian resident, aged 18–60/65 depending on card
- Minimum net income of ₹15,000/month
- CIBIL score of 650+ (preferably 750+)
📄 Documents Needed
- PAN card (mandatory)
- Identity Proof: Aadhaar, Voter ID, Passport, Driving License
- Address Proof: Aadhaar, Passport, Utility Bill, etc.
- Income Proof (for salaried): last 3 months’ payslips or 6 months’ bank statement
2. 🃏 Types of Credit Cards Offered
🔹 Dhi CUB Visa Signature/Platinum/RuPay Cards
- 1.25% cashback on eligible spends
- No joining or annual fees (for Signature variant)
- Cashback credited monthly
🔹 Co‑Branded CSK/SRH IPL Cards
- RuPay Platinum, Master Platinum, MasterWorld variants
- Offers include merchandise discounts, fan perks, lounge access
- Annual fees range: ₹500 to ₹4,000 + GST
3. 📅 How to Apply
🏦 Existing CUB Customer
- Apply via CUB mobile app or net banking
- Option also available on official CUB website
📝 New Customer
- Visit nearest CUB branch
- Apply for unsecured or secured credit card (against FD)
- Credit limit up to 80–90% of FD for secured cards
4. 💳 Fees, Credit Limit & Cashback
- Dhi Signature: No fees, 1.25% cashback (excluding EMI/fuel)
- IPL Cards: ₹500–₹4,000 + GST depending on variant
- Credit limit depends on income, CIBIL score, or FD (if secured)
5. ✅ Application Summary
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Age 18+, income ≥ ₹15K, CIBIL ≥ 650, preferably 750+
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PAN, Aadhaar, proof of address, income docs
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Dhi Signature or IPL Fan Cards
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Online (net banking/app) or offline at a branch
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Based on income/CIBIL or FD if secured
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Approval in days; virtual/physical card issued
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6. 🧠 Tips & Best Practices
- Check credit score before applying
- Minimize hard enquiries (avoid multiple applications at once)
- Start with a secured card if you have low/no credit history
- Understand fee and cashback exclusions before applying
- Maintaining a CUB savings account improves approval chances
7. ❓ Support & Help
- Use CUB’s virtual assistant Lakshmi (on website/mobile app)
- Customer Care:
- National: 044–71225000
- Tamil Nadu: 7299075077
- Email: customercare@cityunionbank.com
🌟 Final Word
City Union Bank credit cards are accessible to both existing and new customers. The Dhi CUB Signature card is a great cashback option with no annual fee. The CSK/SRH co-branded cards cater to IPL fans with additional perks. For those new to credit, a secured credit card backed by an FD is a smart choice to begin building credit.
Would you like help selecting a card or preparing your application pack?