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Lifetime FreeLast updated: 13 September 2026
Free to apply via CardsGuruji · subject to issuer approval
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.
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
An honest read on where this card earns its keep — and where it doesn't.
No annual fee
Cashback on all spends
Fuel surcharge waiver
Visa Signature benefits
Cashback rate lower than premium cards
Limited higher‑rate merchant categories
Standard APR is relatively high
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how DHI CUB Visa Signature Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about DHI CUB Visa Signature Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, DHI CUB Visa Signature Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
DHI CUB Visa Signature Credit Card earns Cashback at a primary rate of 1.25% cashback on all spends. Specifically, 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.. Spends in Shopping, Dining, Fuel, Travel categories provide the maximum valueback per transaction on this card.
Yes, DHI CUB Visa Signature Credit Card features complimentary airport lounge privileges. Privileges include: "Complimentary airport lounge access (selected airports)". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 650 or above is strongly recommended for approval of DHI CUB Visa Signature Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
DHI CUB Visa Signature Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
DHI CUB Visa Signature Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
DHI CUB Visa Signature Credit Card currently features a welcome offer: "No intro offer". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include No annual fee and Cashback on all spends. However, keep in mind that Cashback rate lower than premium cards and Limited higher‑rate merchant categories. Overall, DHI CUB Visa Signature Credit Card delivers strong value if your regular spending aligns with Shopping, Dining, Fuel, Travel.
Yes, DHI CUB Visa Signature Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for DHI CUB Visa Signature Credit Card directly through City Union Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
