City Union Bank Debit Card

User control: Limits and enabling/disabling can be managed via net/mobile banking. Alerts via SMS notify users after each transaction. 

Traditional RuPay debit cards 

CUB issues standard RuPay debit cards equipped for both offline and online transactions: 

1. RuPay Pay Secure supports 2‑factor authentication (card + OTP) for online payments; no need to register the card, OTP is sent directly to the registered mobile number. 

1. Verified by Visa (VBV) enhances online security for CUB-issued Visa debit cards by displaying custom assurance messages and requiring additional password login steps.

Enhanced security controls 

CUB’s internet and mobile banking platforms offer robust card management features:  

1. Customisable transaction & card limits: users can manually set spending caps. 

1. Block/unblock cards instantly: available via app or web banking. 

1. Control channel access: toggle usage over ATMs, PoS, online. 

1. Dual‑password authentication: login and transaction passwords, with OTP for critical actions. 

1. Session timeout, device binding, Wi‑Fi warnings and developer‑mode alerts:  designed to protect against fraud.  

Additional Features to Consider 

1. Real‑time notifications: Every transaction, whether tap‑to‑pay, ATM withdrawal or online purchase, is followed by immediate SMS alerts to the registered mobile number.  

1. Net‑banking & mobile app integration: All card services, including wearable activation, limit management and card blocking, are accessible via CUB’s “All‑in‑One” mobile app and net‑banking portal.  

1. Health & wellness perks: Early adopters of the fitness watch receive a three‑month wellness package via GOQii, including personal health coaching, doctor teleconsultations, and interactive video sessions. 

Benefits for Cardholders 

1. Convenience: No need to carry a physical card—tap and go with wearables. 

1. Control: Instantly set limits, enable/disable usage and block cards on‑demand. 

1. Security: Dual authentication, tamper‑proof wearables, OTP and real‑time alerts lower fraud risks. 

1. Value‑add offers: Fitness watches include bonus wellness services; RuPay Select cardholders may get additional perks. 

1. Integration: All card options are seamlessly integrated into CUB’s digital banking platforms. 

How to apply 

1. Existing account holders can request a RuPay debit card or wearable accessory via net/mobile banking. 

1. New customers may apply via CUB branches or digital portals. 

1. Activation occurs immediately after issuance; wearables are activated via mobile/app linking. 

1. Managing limits, PINs and blocking is fully self‑service through online banking. 

Are there any limitations? 

1. PIN required above Rs.5,000 for Pay‑on‑the‑Go options. 

1. Wearables carry up‑front cost (~Rs.3,499 introductory; Rs.6,499 retail) 

1. Acceptance is limited to RuPay-enabled PoS terminals domestically; international usability depends on card variant.

Summary 

CUB’s debit card suite offers something for every user, whether you want traditional RuPay or innovative wearable payments linked to fitness tracking. With top‑tier security, digital control, and thoughtful perks, these cards align well with contemporary payment trends. 

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