City Union Bank SGI Exclusive CUB CSK/SRH Credit Cards

Charge

• Add-on Card Fee (one time): ₹500 + GST.
• Late Payment Fee: outstanding up to ₹25,000 ₹350, above ₹25,000 ₹450.
• Over Limit Fee: 3% of over limit amount, min ₹250.
• Limit Enhancement Fee: ₹200 per occasion.
• Cheque return/Invalid Cheque Fee: ₹300 per return.
• Card Re-issue/Replacement Fee: ₹300.
• Pin Mailer Re-issue: NA.
• Foreign Currency (Markup)/DCC Fee: 3.5% of transaction amount.
• Rental Surcharge: 1% of transaction value (MCC 6513).
• Wallet Load Transaction Fee (from 1st Oct 2025): 1% of transaction value (MCC 6538-6542).
• Fuel Transaction Fee (from 1st Oct 2025): 1% on cumulative fuel spends of ₹50,000+ per statement cycle.
• Utility Transaction Fee (from 1st Oct 2025): 1% on cumulative utility spends of ₹25,000+ per statement cycle.
• Online Skill-Based Gaming Transaction Fee (from 1st Oct 2025): 1% on cumulative spends of ₹10,000+ per statement cycle.
• Statement Retrieval Fee: ₹50 per statement (request > 3 months).
• Charge Slip Retrieval Fee: ₹250.
• Balance Enquiry through ATM: own Bank NIL, other Bank ₹50.
• Cash withdrawal at ATMs in India: up to 3% of amount or ₹250 whichever higher.
• Cash withdrawal at Abroad ATMs: up to 3.5% of amount or ₹1000 whichever higher.
• Card Hot listing Fee: NA.
• Fee for issuing Add on Card: ₹500.
• Fee for issuing Keychain FOB: ₹400.
• Fee for issuing Physical RuPay Card (Master Platinum/Master World holders): ₹250.
• Fee for EMI conversion: 2% min ₹200 max ₹1,000.
• Fee for Foreclosure of EMI: 5% of Outstanding Amount.

Verified · Most Important Terms & Conditions (MITC v4, Nov 2025) – covers all four CUB CSK/SRH card variants · 2026-08-02 · source

Interest-free period

• Interest-free credit period ranges from 20 to 48 days depending on the date of transaction.
• Not applicable if the Total Amount Due from the previous month is not paid in full by the Payment Due Date.
• No interest-free period on cash advances.

Verified · Most Important Terms & Conditions (MITC v4, Nov 2025) – covers all four CUB CSK/SRH card variants · 2026-08-02 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on fuel purchases at all fuel stations across India.
• CSK/SRH RuPay Platinum: valid on transactions between ₹400 ~ ₹3,000, max benefit ₹300 per statement cycle.
• CSK/SRH Master Platinum & Master World: valid on transactions between ₹400 ~ ₹5,000, max benefit ₹500 per statement cycle.

Verified · Most Important Terms & Conditions (MITC v4, Nov 2025) – covers all four CUB CSK/SRH card variants · 2026-08-02 · source

Milestone benefit

• CSK/SRH Master Platinum: Original SRH/CSK Fan Jersey worth ₹600 on cumulative net spends of ₹20,000 or above within 45 days of card issuance.
• CSK/SRH Master World: Discount Vouchers worth ₹10,000 on cumulative net spend of ₹50,000 or above within 45 days.

Verified · Schedule of Charges / Card Features – CUB CSK/SRH RuPay Platinum & Master Platinum (Nov 2025) · 2026-08-02 · source

Redemption value

• Reward point burn rate: CSK/SRH RuPay Platinum 1 point = ₹0.50.
• CSK/SRH Master Platinum 1 point = ₹0.75.
• CSK/SRH Master World 1 point = ₹1.

Verified · Schedule of Charges / Card Features – CUB CSK/SRH RuPay Platinum & Master Platinum (Nov 2025) · 2026-08-02 · source

Insurance

• Complimentary insurance (insured by Royal Sundaram General Insurance, coverage from date of card activation).
• Base (RuPay Platinum): Personal Accident (AD/PTD) ₹1 Lakh, PPD up to ₹1 Lakh, Air Accident Death ₹10 Lakhs, Card & Fraud Protection ₹1 Lakh.
• Mid (Master Platinum): Personal Accident ₹3 Lakhs, PPD up to ₹3 Lakhs, Air Accident Death ₹25 Lakhs, Card Protection ₹3 Lakhs.
• Luxury (Master World): Personal Accident ₹5 Lakhs, PPD up to ₹5 Lakhs, Air Accident Death ₹50 Lakhs, Card Protection ₹5 Lakhs.
• Eligible age 18-65 years (Card & Fraud Protection 18 years and above).
• Report card fraud within 15 days.
• Accident/death within 30 days.

Verified · harvested from product page · 2026-08-02 · source

Eligibility

• Insurance coverage eligibility: Personal Accident Cover and Air Accident Cover 18 to 65 years.
• Card & Fraud Protection 18 years and above.
• Cover applies to holders of an active CUB CSK/SRH Co-Branded Credit Card whose account is not blocked, cancelled, or closed.

Verified · harvested from product page · 2026-08-02 · source

Official terms

https://cityunionbank.bank.in/cub-shriram-credit-card.

Verified · SGI Exclusive CUB CSK/SRH Credit Cards product page · 2026-08-02 · source