All cards / City Union Bank
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 up to 37.5 SCoins per ₹100 (about 7.5% value) on SalarySe UPI spend on salary days (1st and last day of the month, on up to ₹15,000 a cycle), far above a conventional card's reward rate, though redemption is locked to the SalarySe app.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit unlocked per billing cycle after ₹10,000+ spend in the prior cycle, up to 12 visits/year
Benefits by category
- ✈️ Travel
1 complimentary domestic airport lounge visit unlocked per billing cycle on ₹10,000+ spend in the prior cycle (valid 30 days, RuPay lounge programme)
- 🌍 Forex / international spend
1% forex markup on international transactions
Eligibility
- Employment: salaried
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Rewards redemption fee: No fee — SCoins redeem for gift cards or cash via the SalarySe app
- Foreign currency markup: 1%
- Cash advance charges: 3% of the withdrawn amount or ₹250, whichever is higher (India); 3.5% or ₹1,000 abroad
Benefits
- 37.5 SCoins per ₹100 (about 7.5% value at 5 SCoins = ₹1) via SalarySe UPI on SalaryDay Bonus days (1st and last day of each month) on the physical+virtual card (25 SCoins on virtual-only), on up to ₹15,000 spend per cycle; unlocked by ₹5,000 spend on other days
- 5 SCoins per ₹100 (about 1% value) on SalarySe UPI and card spend up to ₹20,000/month, 10 SCoins per ₹100 above that; 1 SCoin per ₹100 on base categories; no rewards on fuel, cash, wallets or jewellery
- 1 complimentary domestic airport lounge visit unlocked per billing cycle on ₹10,000+ spend in the prior cycle (valid 30 days, RuPay lounge programme)
- Lifetime-free virtual-only card variant also available (no joining/annual fee, 2% forex markup)
Pros
- + Up to 37.5 SCoins per ₹100 (about 7.5% value) on salary-day UPI spend
- + Lifetime-free virtual card option available
- + Lounge visit unlocked by ₹10,000 spend in the previous cycle
Cons
- − Best rewards require using SalarySe UPI specifically, not just the card
- − SCoins redeemable only via the SalarySe app and expire after 18 months
- − Physical+virtual variant's ₹500 fee only waives above ₹2 lakh/year spend
- − No rewards on fuel, cash, wallet loads or jewellery