Rahul, a 30-year-old IT professional living in Bengaluru, earns an annual salary of ₹8,00,000, which translates to approximately ₹66,667 per month. He holds a City Union Bank credit card and uses it for various expenses, such as shopping, dining out, paying utility bills, and subscribing to online services.

Rahul benefits from reward points and cashback offers, which help him save money on regular purchases.

Table Showing Rahul's Monthly Income, Credit Card Usage, and Spending

Category	Details
Salary	₹66,667 per month
Credit Card Limit	₹1,00,000
Reward Points Earned	2000 points per month
Cashback on Purchases	2% on selected categories
Bill Payment	Used for utility bill payments
Monthly Spending
- Shopping	₹25,000
- Dining	₹15,000
- Online Subscriptions	₹5,000
- Utility Bills	₹7,000
Total Monthly Spending	₹52,000

Breakdown of Rahul's Monthly Spending:

Shopping: Rahul spends about ₹25,000 on clothing, gadgets, and other personal purchases monthly.
Dining: He enjoys dining out and spends approximately ₹15,000 with friends and family at restaurants.
Online Subscriptions: Rahul subscribes to various online streaming services and apps, which cost him ₹5,000 per month.
Utility Bills: He uses his credit card to pay utility bills such as electricity, water, and internet, totalling ₹7,000.

Read More – City Union Bank FASTag

Using a City Union Bank credit card offers Rahul financial convenience, rewards, and cashback. With a stable monthly income of ₹66,667, he can easily manage his credit card payments while making the most of its features.

Key Highlights of City Union Bank Credit Card

Joining Fee	₹2,999
Annual Fee	₹2,999
Best Suited For	Luxurious lifestyle.
Reward Type	Reward points and e-vouchers.
Welcome Benefits	e-Vouchers worth ₹3,000 from certain brands.

Benefits of City Union Bank Credit Card

Milestone Benefits

Pizza Hut e-Voucher will be sent within 21 working days after achieving spending of ₹50,000.

For Yatra.com/Pantaloons, an SMS will be sent to choose the e-Gift Voucher within 21 working days of reaching an annual spending of ₹5,00,000.

Lounge Access

4 complimentary visits per year to International Priority Pass Lounges outside India (max. 2 visits per quarter).

8 complimentary visits per year to Domestic Airport Lounges in India (max. 2 per quarter).

Birthday Benefit

Enjoy 20 Reward Points per ₹100 spent on your birthday.

Birthday spends (one day before, on birthday, and one day after) are capped at 2000 Reward Points per calendar year.

Rahul’s Experience with City Union Bank Credit Card

Rahul, a 32-year-old professional, made the most of his City Union Bank Credit Card. Here's how:

Milestone Benefits: After spending ₹50,000, Rahul received a Pizza Hut e-Voucher within 21 working days, enjoying a free pizza. Later, when he reached ₹5,00,000 in annual spending, he got an SMS to choose an e-gift Voucher for Yatra.com, which he used for flight booking.

Lounge Access: Rahul used his card for 4 complimentary visits per year to International Priority Pass Lounges during his trips abroad and 8 visits per year to Domestic Airport Lounges on his business travels, making his journeys more comfortable.

Birthday Benefit: On his birthday, Rahul spent ₹10,000 over three days, earning 2000 Reward Points with 20 points per ₹100 spent.

Rahul’s City Union Bank Credit Card enhanced his travel, dining, and birthday celebrations, offering great rewards and comfort.

City Union Bank Credit Card Cashback & Rewards

Reward Points on Retail Purchases: Earn 2 Reward Points per ₹100 spent on all other retail purchases, making every transaction more rewarding.
Pay with Reward Points: You can use your accumulated Rewards to pay off your outstanding card. 4 Reward Points = ₹1, allowing you to reduce your balance by redeeming points.
Fuel Surcharge Waiver: Enjoy a 1% Fuel Surcharge Waiver on fuel transactions ranging from ₹500 to ₹4000 at all petrol pumps.

Note: The government service tax is extra, as applicable. The maximum waiver is ₹250 per month per credit card account.

City Union Bank Credit Card Fees & Charges

Type	Fees
Cash Advance Fees	Domestic ATMs: A transaction fee of 2.5% or ₹500, whichever is higher. International ATMs: A transaction fee of 2.5% or ₹500, whichever is higher.
Cash Payment Fee	State Bank of India (SBI)—₹250 + applicable taxes Karur Vysya Bank (KVB) - no fee
Interest-free Credit Period	20 to 50 days
Finance charges	3.75% per month, 45% per annum
Over Limit Fees	2.5% of the over-limit amount that exceeds the credit limit of ₹600
Payment dishonour	2% of the payment amount is subject to minimum charges of ₹500
Utility Payment Fee	A 1% Utility Payments: A fee will be charged if total utility payments exceed ₹50,000 in a billing cycle
Rewards redemption Fee	₹99
Card Replacement Fee	₹100 - ₹250
Cheque Payment Fee	₹100
Foreign Currency Transaction Fee	3.5%
Processing Fee on all Rent Payment Transactions	₹199
Utility Payment Fee	1% of the total amount of Utility Payments

Late Payment of City Union Bank Credit Card

Late payment charges will apply if the Minimum Amount Due is not paid by the due date. The charges are as follows:

₹0 - ₹500: No late payment fee (NIL)
₹500.01 - ₹1,000: ₹400
₹1,000.01 - ₹10,000: ₹750
₹10,000.01 - ₹25,000: ₹950
₹25,000.01 - ₹50,000: ₹1,100
Above ₹50,000: ₹1,300

These charges will be applied based on the outstanding amount on the payment due date.

City Union Bank Credit Card Pros & Cons

Pros:

Reward Points on Spending: Earn rewards on every purchase, including bonus points for birthday spending and retail purchases.
Airport Lounge Access: Enjoy complimentary access to domestic and international airport lounges, enhancing travel comfort.
Milestone Benefits: Receive attractive benefits like Pizza Hut e-vouchers and Yatra.com/Pantaloons gift vouchers for meeting spending milestones.
Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4000 at all petrol pumps.

Cons:

High Cash Advance Fees: Cash advances come with a high transaction fee of 2.5% or ₹500, whichever is higher.
Late Payment Charges: Late payment fees can be steep, depending on the outstanding balance, ranging from ₹400 to ₹1,300.
Utility Payment Fees: A 1% fee is applied on utility payments exceeding ₹50,000 in a billing cycle, increasing overall costs.
Limited Fee-Free Cash Payment: Cash payments for dues at SBI branches incur a ₹250 fee, though it is free at Karur Vysya Bank branches.

Eligibility Criteria for City Union Bank Credit Card

Employment Status: The applicant must be either salaried or self-employed.
Age: The minimum age requirement for applying is 18 years.
Nationality: The primary applicant must be a citizen of India.
Credit Score: Applicants with a good credit score are more likely to be eligible for the card. A strong credit history helps in securing approval.

Documents Required for City Union Bank Credit Card

Income Proof: Latest salary slip, Form 16 for salaried individuals, or bank statements for self-employed applicants.
Proof of Address: Valid documents like an Aadhaar Card, Voter ID, Passport, Driving License, or Ration Card.
Identity Proof: Aadhaar Card, Voter ID, Passport, Driving License, or Ration Card can serve as identity proof.
IT Returns: Recent income tax returns (ITR) are used to verify income for self-employed applicants.
Salary Slip: The latest salary slip serves as proof of income for salaried individuals.

These documents ensure a smooth City Union Bank SBI Credit Cards application process.

How to Apply for a City Union Bank Credit Card Online?

Step 1: Visit the official website of SBI Bank

Step 2: Scroll down and click the “More Useful Links” button. There you will see “SBI Cards.” Click on that.

Step 3: After clicking, you will be redirected to a new page where you will see all the credit cards. Scroll down and find SBI Card PRIME. Below the card, you will see a button “Apply Now.” Click on that button.

Step 4: You must be ready with your PAN Card, Aadhar Card, bank details, and photographs for further steps.

Step 5: On that page, you will only see the button “Start Apply Journey.” Click on that button.

Step 6: There you have to follow three steps. Fill in your Details, Professional Details, and KYC details.

Step 7: First, click on the “Personal Details” box. After clicking, you will see a box that requires some information. Fill in the information correctly, then click the “Continue” button.

Step 8: Repeat the same step for the following two buttons.

Step 9: After filling in all the details, apply. The bank will review your application and inform you about your credit card within a few working days.

How to Apply for a City Union Bank Credit Card Offline?

Visit the Nearest Branch: Go to a City Union Bank branch that offers credit card services.
Obtain the Application Form: Request a credit card application form from the bank’s customer service desk.
Fill Out the Form: Complete the application with all required details, including personal information, employment status, and income.
Submit the Required Documents: Provide the necessary documents such as proof of identity, address, income, and other supporting documents mentioned by the bank.
Verification Process: The bank will verify the documents and process your application.
Wait for Approval: After verification, the bank will inform you about the approval status, and once approved, your City Union Bank Credit Card will be dispatched to your address.

This process allows you to apply for the card directly through a bank branch without applying online.

Conclusion

The City Union Bank Credit Card offers a range of benefits, including attractive reward points, milestone rewards, lounge access, and fuel surcharge waivers, making it an ideal choice for frequent travellers, shoppers, and those who enjoy dining out.

It also provides flexibility in paying dues through reward points and has valuable features like birthday rewards and utility payment benefits. While it offers several perks, it's essential to be mindful of potential charges, such as cash advance fees, late payment charges, and utility payment fees.

Also Read - City Union Bank Net Banking

However, with its substantial eligibility criteria, comprehensive benefits, and ease of use, the City Union Bank Credit Card is a solid financial tool for those looking to maximise their spending rewards and manage their expenses efficiently.

FAQ’s Related to City Union Bank Credit Card

How can I apply for a City Union Bank Credit Card?
You can apply offline by visiting a bank branch and submitting the required documents or online via the City Union Bank website.

What is the annual fee for City Union Bank Credit Cards?
The annual fee varies depending on the type of card. It is best to check the specific card details before applying. It's recommended to check the specific card details or contact the bank for accurate information before applying.

What benefits are offered with the City Union Bank Credit Card?
Benefits include reward points, milestone rewards, lounge access, fuel surcharge waivers, and birthday benefits. cardholders enjoy special privileges on utility payments, and discounts with partner merchants.

How are reward points earned on the City Union Bank Credit Card?
You earn reward points on every purchase, with bonus points on special occasions like birthdays and milestone spending.

Are there any fees for late payments?
Yes, late payment charges depend on the outstanding amount, ranging from ₹400 to ₹1,300, based on the balance due. For amounts between ₹0 - ₹500, there's no fee, and the fee increases as the balance grows.