SalarySe UP Credit Card (CUB SalarySe)

The RBL Bank SalarySe UP Credit Card is India's first Salary Day Bonus RuPay-powered 100% virtual credit card designed exclusively for salaried professionals. To use this card, you can link it directly to the SalarySe app and make seamless UPI transactions.

Below is the comparison table of 2 variants of SalarySe cash back credit cards, i.e. SalarySe UP Credit Card and SalarySe Level UP Credit Card:

• Get Rs. 1,200 as a welcome benefit on this 100% virtual credit card.
• Turn your everyday spending into gift cards/ cash with 10X rewards on SalarySe UPI spends over Rs. 20,000/month.
• 5X rewards on all UPI spends through SalarySe UPI.
• 1X rewards on all online and offline spending. 
• Apply for one of the best RuPay credit cards and get it in seconds.
• Easy application, exclusive offers, and instant rewards. 
• Link your credit card to SalarySe UPI for hassle-free payments.
• Redeem rewards directly into your bank account or get exclusive deals at discounted rates.
• In the first year, pay Rs. 499 + GST and get Rs. 500 as a welcome benefit on your first spend of Rs. 500 in the first month.
• From the second year onward, get your renewal fee refunded as 2,500 Scoins by SalarySe when you spend above Rs. 2 Lakhs in a year. You must complete your first transaction via SalarySe UPI to be eligible for the fee waiver.
• All the cashback you receive will be credited as reward points (Scoins)
• 5 Scoins = Rs. 1 over gift cards and 10 Scoins = Rs. 1 for cash conversion.
• Get flat 8% off on Zomato, 12% off on Zepto, Rs. 50 off every day on HungerBox, flat 10% off on EaseMyTrip, and many more offers from top brands.

The Salary Day Bonus is a feature offered on the SalarySe UP Credit Card and the Level UP Credit Card. This promotional offer gives users accelerated reward points on spending made through the SalarySe UPI app on the first and the last day of every calendar month.

Under this feature, the advertised "37.5% reward" equals an effective return of 7.5% in actual value or 5% for virtual cardholders when redeeming SCoins.

You earn 25 Reward Points for every Rs. 100 spent during the salary disbursement days. It is meant for large transaction expenses falling right around payroll cycles (rent transfers, groceries, bill payments, etc.), when routed through SalarySe UPI.

To qualify for the Salary Day Bonus, you need to make an additional spend of Rs. 5,000 between the 2nd and 17th of the month. The bonus is capped at a maximum of Rs. 15,000 worth of spending per billing cycle.

The RBL Bank SalarySe UP Credit Card does not offer any airport lounge access. However, the other variant “CUB SalarySe Level UP Credit Card” provides 1 complimentary domestic airport lounge access per month. This access is unlocked only by spending a minimum of Rs. 10,000 in the previous billing cycle.

The benefit is credited to your card on bill generation and remains valid for 30 days. To use the benefit, you have to present your physical CUB SalarySe Level UP Credit Card at the lounge reception along with a valid boarding pass for the same day and a government ID. 

• Joining fee: Rs. 499 + GST.
• Renewal fee: Rs. 499 + GST; waived on yearly spends above Rs. 2 Lakhs.
• Add-on card fee: Rs. 200.
• Foreign currency transaction/ dynamic & static conversion transactions markup charges: 3.5%.
• Card Replacement (lost/ stolen/ reissue): Nil, unless mentioned otherwise.
• Cash payment at RBL Bank branches: Rs. 100.
• Cash withdrawal charges: 2.5% of the cash amount withdrawn (minimum Rs. 500).
• Surcharge on purchase/ cancellation of railway tickets: Up to 1.8% of ticket amount + applicable service charges.
• Finance charges for revolving credit & cash advances: Up to 3.99% per month/ 47.88% per annum.
• Late payment charges: 12.5% of total outstanding amount (minimum Rs. 5 & maximum Rs. 1,300).
• Goods and Services Tax (GST): Applicable as per the rate prescribed under GST laws from time to time. 
• Reward redemption fee: Rs. 99 + GST.
• Cheque return/ dishonour fee auto-debit reversal: Rs. 500.
• Merchant EMI processing fee: 1.5% of the amount or Rs. 150 (whichever is higher).
• Fee on rental transactions: 1% of the transaction amount.
• Fee on utility spends: 1% on aggregate utility spends above Rs. 50,000 per month per card.
• Fee on fuel & auto Transactions: 1% on each fuel and auto transaction above Rs. 10,000 (maximum Rs. 3000 per transaction).
• Fee on selected merchants on education payments: Up to 1%.
• Fee on FASTag loading & toll payment transactions: 1% on transactions above Rs. 10,000 per transaction per card.

Below is the comparison table of SalarySe UP Credit Card with Kiwi RuPay Credit Card:

• Occupation: You must be a salaried professional.
• Age: You must be in the age group of 21 to 65 years.
• Income: You must be earning at least Rs. 15,000 to Rs. 20,000 per month. 
• CIBIL score: You must have a CIBIL score of 750+.
• Residence: You must be an Indian resident, residing in a serviceable location.

• Application: Credit card application (filled and signed) and recent passport-sized photographs.
• Identity proof: PAN Card (mandatory) and Aadhaar Card/ Passport/ Voter ID/ Driving License.
• Address proof: Aadhaar Card/ Passport/ Driving License/ Recent Utility Bill (not older than 3 months).
• Income proof: Latest 3 months' salary slips and salary bank account statements for the last 3 months.

• Download the official SalarySe app on your device from the App Store.
• Install and open the app and log in with your mobile number registered with the employer.
• Navigate to the credit card section in the app, compare the card variants, and select your card.
• Enter your basic personal and employment details, such as your PAN and Aadhaar numbers.
• Complete the Video KYC process as prompted by the app.
• Once approved, your virtual card will be generated instantly, which you can link it with UPI for everyday spending

Pros

• Rs. 1,200 as a welcome benefit.
• 10X rewards on SalarySe UPI spends over Rs. 20,000/month.
• 5X rewards on all UPI spends through SalarySe UPI.
• 1X rewards on all online and offline spending. 
• The card can be linked to your SalarySe UPI for hassle-free payments.
• Rewards can be redeemed directly into your bank account or get exclusive deals at discounted rates.
• The renewal fee is refunded as 2,500 Scoins by SalarySe on spending above Rs. 2 Lakhs in a year. 
• Flat 8% off on Zomato, 12% off on Zepto, Rs. 50 off every day on HungerBox, flat 10% off on EaseMyTrip, and many more offers from top brands. 
• Offers highly accelerated reward multipliers on specific Salary Days of the month.

Cons

• To unlock 10X rewards, you have to spend over Rs. 20,000/month on SalarySe UPI.
• You must complete your first transaction via SalarySe UPI to be eligible for the fee waiver.
• All the cashback you receive will be credited as reward points (Scoins).
• An add-on card fee is offered on payment of a Rs. 200 issuance fee.
• This variant does not offer any complimentary lounge access.
• This card is designed for salaried individuals only.

Salaried professionals should apply for a SalarySe UP Credit Card if they primarily use UPI for their daily expenses and want to maximise rewards during their salary cycle. The card offers 10X rewards if you spend above Rs. 20,000 monthly on SalarySe UPI. This is best suited for beginners who want an entry-level rewards credit card with a low fee.

You can call the SalarySe Credit Card Customer Care and Support team through the following ways:

• Customer Care number: 1800 102 6222
• Email ID: cardservices@ rbl.bank.in
• Write to this address with your card number details at: Card Services, RBL Bank Limited, Unit 306-311, 3rd Floor, JMD Megapolis, Sohna Road, Sector - 48, Gurgaon, Haryana, India - 122018
• WhatsApp Banking: Say ‘Hi RBL’ on 8433598888 from your registered mobile number

The team will respond to you within 10 days of receiving your letter/ email, depending on the nature of your query and the time needed for resolution and communication.