City Union Bank Credit Card – Check Features, Benefits & Eligibility

In this blog post, we’ll dive into the features, benefits, and eligibility criteria for this card to help you determine if it’s the right fit for your financial needs. Whether you’re a seasoned credit card user or a newbie in the world of plastic, we’re here to provide you with all the information you need to make an informed decision about this offering from City Union Bank. Let’s get started!

Exploring the Features

The City Union Bank Credit Card comes with a range of features designed to make your spending experience convenient and rewarding. Let’s take a closer look at some of the key features that set this card apart.

Joining Fee – (Primary Card) NIL
Annual Fee – (Primary Card) NIL
Annual Fee – (Supplementary Card) NIL
Minimum Amount Due (MAD) 10% of billed amount plus any overdue and over limit amount.
Cash Advance Fee Up to 5% of amount withdrawn with a minimum of Rs.500/-.
Interest Rate (Annual Percentage Rate) Up to 2.95% p.m. (Up to 35.40% p.a.)
Foreign Exchange Conversion Fee Up to 2.50% for transactions not in Indian Rupees.
Interest Free Credit Period Not less than 20 days from statement date.
Late Payment Fee Rs.500/- for every month of delay.
Over limit Fee Up to Rs.500/- per statement cycle if the account is over limit at any time during statement cycle.
Card Replacement Fee Rs.500/-
Rental Surcharge 1% of the value of transaction performed under MCC 6513
Goods & Service Tax At applicable rates for fees & charges that fall within the purview of the tax

Reward Points and How to Earn Them

Any time you use your City Union Bank Credit Card for purchases, you have the opportunity to earn reward points. Whether you’re buying groceries, filling up your gas tank, or treating yourself to a nice dinner, every purchase can help you accumulate points that can be redeemed for a variety of rewards such as merchandise, gift vouchers, or even cashback.

Card Reward Point Benefits
City Union SBI SimplySave Credit Card
1 reward point on every Rs.100 spent on regular purchases.
10 reward points on every Rs.100 spent on dining, movies, departmental store and grocery expenses.
City Union Bank SBI Prime Card 2 reward points offered on every Rs.100 spent on retail purchases.
Get 20 reward points on every Rs.100 spent for utility bill payments and birthday spends.
10 reward points given for every Rs.100 spent on dining, movies, departmental and grocery spends.

Safety Features: Keeping Your Card Secure

Features such as EMV chip technology, real-time fraud monitoring, and the ability to set spending limits provide peace of mind and protection against unauthorized transactions. In addition, the City Union Bank Credit Card offers zero liability on lost or stolen cards, ensuring that you are not held responsible for any fraudulent charges made on your card. This gives you the confidence to use your card without worrying about potential security breaches.

Reward points earned through your purchases can be a great way to offset some of your expenses, or even treat yourself to something special without having to spend extra money. The safety features provided with the City Union Bank Credit Card give you the assurance that your card is well-protected against fraudulent activities, allowing you to use it with confidence and peace of mind.

Unwrapping the Benefits

Even though credit cards offer various benefits, the City Union Bank credit card stands out with its unique and extensive range of features. Let’s take a closer look at some of the benefits that come with this credit card.

Cashback and Discounts Galore

On top of the standard benefits, City Union Bank credit cardholders can enjoy cashback and discounts on their everyday expenses such as groceries, dining, and fuel. With regular promotions and tie-ups with various merchants, cardholders can save money and earn rewards while making their routine purchases.

Travel Perks and Airport Lounge Access

Travel enthusiasts can take advantage of the various travel perks that come with the City Union Bank credit card. From complimentary travel insurance to airport lounge access, cardholders can travel with peace of mind and comfort. Benefits like priority boarding and discounts on travel bookings also add value to the overall travel experience.

Benefits of the Travel Perks and Airport Lounge Access include complimentary travel insurance, airport lounge access, priority boarding, and discounts on travel bookings. With these perks, cardholders can elevate their travel experience and enjoy added convenience and savings.

Am I Eligible?

After considering the benefits and features of City Union Bank credit card, you may be wondering if you are eligible to apply. We’ll help you understand the eligibility requirements and provide tips for a successful application.

Understanding the Criteria

With City Union Bank, the eligibility criteria for a credit card typically includes factors such as minimum age, income, credit score, and nationality. Meeting the following requirements can increase your chances of approval, so it’s important to review them before applying.

Employment status He or she must be either salaried or self-employed
Age The applicant must be at least 18 years old.
Nationality The primary applicant must be a citizen of India.
Credit Score People having a good credit score will be eligible for the card.

Tips for a Successful Application

Any applicant should ensure that they have a good credit score and a stable source of income to improve their chances of approval. Additionally, it’s important to fill out the application accurately and provide all required documents. Though having a prior relationship with the bank can also be beneficial in obtaining a credit card.

  • Have a good credit score
  • Demonstrate a stable source of income

Plus, it’s important to tailor your application to highlight how you meet the eligibility criteria. By emphasizing keywords such as income, credit score, and stability, you can increase your chances of securing a City Union Bank credit card.

How to Get Your Card

To get your City Union Bank credit card, you can follow a simple application process through their website. After your application is approved, you can manage your credit card online through their user-friendly online portal.

Step-by-Step Application Process

Applying for a City Union Bank credit card is quick and easy. Here’s a step-by-step guide to help you through the process:

Step Description
1 Visit the City Union Bank website and find the credit card section.
2 Choose the credit card that best fits your needs and click on the ‘Apply’ button.
3 Fill out the online application form with your personal and financial details.
4 Submit the required documents and wait for approval.

Managing Your Credit Card Online

Once you receive your City Union Bank credit card, you can easily manage it online through their secure portal. Access your account anytime, anywhere to check your balance, make payments, and track your transactions.

Step-by-step guidance on how to manage your credit card online can be found on the City Union Bank website. You can also set up alerts and notifications to stay updated with your credit card activity.

City Union Bank Credit Card FAQ

Q: What are the features of City Union Bank Credit Card?

A: City Union Bank Credit Card comes with features such as rewards program, contactless payment, global acceptance, easy bill payment, and access to exclusive offers and discounts.

Q: What are the benefits of City Union Bank Credit Card?

A: The benefits of City Union Bank Credit Card include cashback on purchases, rewards points on every transaction, travel and dining privileges, insurance coverage, and personalized customer service.

Q: What is the eligibility criteria for City Union Bank Credit Card?

A: To be eligible for City Union Bank Credit Card, you must meet the minimum age requirement, have a good credit score, meet the minimum income criteria, and provide the necessary documents and information as per the bank’s requirements.

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