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City Union Bank
CUB SalarySe Level UP Credit Card
RuPay
CUB SalarySe Level UP Credit Card
A fintech-bank partnership RuPay card from City Union Bank and SalarySe built around salaried spending patterns — its standout feature is a 37.5% SCoins reward on UPI spend on salary days, far above any conventional card's reward rate, though redemption is locked to the SalarySe app.
Rates and fees last verified 14 September 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Eligibility
- Employment: salaried
- Age: 21–60
Benefits
- 37.5% SCoins reward via SalarySe UPI on SalaryDay Bonus days (1st and last day of each month), up to ₹15,000 eligible spend per cycle
- 5% SCoins on SalarySe UPI/app spend up to ₹20,000/month, 10% SCoins on additional spend above ₹20,000/month
- 1 complimentary domestic airport lounge visit unlocked per billing cycle on ₹10,000+ spend in the prior cycle
- Lifetime-free virtual-only card variant also available (no joining/annual fee)
Pros
- + Exceptional 37.5% reward rate on salary-day UPI spend
- + Lifetime-free virtual card option available
- + Achievable lounge access via ₹10,000/cycle spend
Cons
- − Best rewards require using SalarySe UPI specifically, not just the card
- − SCoins redeemable only via the SalarySe app
- − Physical+virtual variant's ₹500 fee only waives above ₹2 lakh/year spend
Applying takes you to City Union Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.