City Union Bank · Entry · lifetime free
CUB Kavach RuPay Credit Card
Where it ranks across all 187 cards
#76 EMI
0.2%
direct
#169 Groceries
0.2%
direct
#172 Flights
0.2%
direct
#172 Hotels
0.2%
direct
#172 Other
0.2%
direct
#173 Dining out
0.2%
direct
#173 Electronics
0.2%
direct
#173 Health & pharmacy
0.2%
direct
#174 Online shopping
0.2%
direct
#175 Food delivery
0.2%
direct
#175 Fashion
0.2%
direct
#176 Movies & events
0.2%
direct
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CUB Rewards Portal (rewards.cub.bank.in): 1 RP = Rs 0.20
Points valued at ₹0.2/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.20%base rate
1 pt / ₹100
source
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on11 exclusions
Utility bills, Mobile / broadband
earns nothing
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills, Mobile / broadband
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Jewellery & watches
earns nothing
Gold and jewellery purchases earn no Reward Points.
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5094, 5944
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Rent
earns nothing
Rent payments earn no Reward Points.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Wallet load
earns nothing
Wallet transactions (MCC 6538-6542) earn no Reward Points.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Insurance
earns nothing
Insurance payments (MCC 5960-6399) earn no Reward Points.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Government / tax
earns nothing
Government payments (MCC 9000-9999) earn no Reward Points.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Fuel
earns nothing
Fuel transactions earn no Reward Points.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Manual cash disbursement, Automated cash disbursement (ATM) +2 more
earns nothing
Cash transactions earn no Reward Points.
→ use SC Ultimate here (3.3%)
detail & source
MCCs: 6010, 6011, 6012, 6051
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Gaming
earns nothing
Gambling transactions earn no Reward Points.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 7801, 7995, 9754
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Education
earns nothing
Educational services earn no Reward Points.
→ use FIRST Private here (6.6%)
detail & source
categories: Education · MCCs: 5111, 5192, 5942, 5943, 8211, 8220, 8241, 8244, 8249, 8299, 8351
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026
Train tickets, Fuel, Rent, Government / tax, Insurance, Education, Cabs & transit, Mobile / broadband
earns nothing
Base rewards exclude low interchange categories: Railways, Fuel, Rent, Government Services, Insurance, Education, contracted services, Agriculture, Transportation & transit and Telecom; transactions under Rs 2,000 at small offline merchants are also excluded.
→ use IRCTC SBI Card here (10.0%)
detail & source
categories: Train tickets, Fuel, Rent, Government / tax, Insurance, Education, Cabs & transit, Mobile / broadband
Source: CUB Kavachh Credit Card - Reward Document - cityunionbank.bank.in - read 2 Oct 2026