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RBL Bank SalarySe UP Credit Card
A 100% virtual RuPay UPI card from RBL's fintech partner SalarySe, with amplified points for UPI spends made through the SalarySe app.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Not offered (virtual card)
- International lounge access: Not offered (virtual card)
- Golf: Not offered
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–58
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Rewards redemption fee: No redemption fee via the SalarySe app; ₹99 + GST per redemption request otherwise
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- 2,500 points on first transaction of Rs. 500, additional 2,000 points on 15 UPI transactions of Rs. 500 each, and 1,500 points on Rs. 30,000 spend in first 3 months of issuance
- No reward redemption fee when redeemed via the SalarySe app
Pros
- + Up to 10X points on UPI spends via the SalarySe app
- + No reward redemption fee on the SalarySe app
- + Easily waived annual fee (₹2L/year spend)
Cons
- − Virtual-only — no physical card issued
- − Bonus rate only applies within the SalarySe ecosystem
- − Point value (₹0.20) is on the lower side