CUB SalarySe Level Up Credit Card
Fees
₹0 (Virtual) / ₹500 + GST (Physical)
Joining & annual
Reward Rate
25 SCoins per ₹100 on SalarySe UPI; 10 SCoins per ₹100 when monthly bill exceeds ₹20,000
Welcome Bonus
Virtual + Physical card options + 37.5 SCoins/₹100 Salary Day bonus
Lounge
1 Domestic/Month (Physical Card, ₹10K Spend)
Our Expert Take
CUB SalarySe Level Up is aimed squarely at salaried UPI users: a 37.5% SCoins bonus on salary days (1st and last of the month) via the SalarySe app is a distinctive, genuinely high rate. Just note SCoins expire after 18 months and can only be redeemed within the SalarySe app.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
All SCoins
Max 10% of your credit limit per month
Pros & Cons
Key Advantages
- Lifetime Free Virtual Card option available with ZERO joining and annual fees
- Up to 37.5% Salary Day Bonus Rewards on 1st & last day of the month via SalarySe UPI
- Low 1% foreign currency markup fee on international spends
- Earn up to 10X rewards on daily UPI QR payments using RuPay credit card integration
- 1 complimentary domestic airport lounge access per month on ₹10,000 previous billing cycle spend
Limitations
- SCoins expire 18 months from the date they are earned
- SCoins can only be redeemed on the SalarySe App for brand vouchers and catalog items
- Lounge access requires physical card variant and ₹10,000 monthly spend threshold
Key Perks & Spending Milestones
Up to 37.5% Salary Day Bonus Rewards on 1st & last day of every month via SalarySe UPI
25 SCoins per ₹100 spent on SalarySe UPI transactions (5% effective return)
Up to 10X rewards on higher monthly spending (10 SCoins per ₹100 when monthly bill exceeds ₹20,000)
5 SCoins per ₹100 spent on regular monthly spends below ₹20,000
Lifetime Free Virtual Card option or Physical + Virtual Card option (₹500 + GST)
1 complimentary domestic airport lounge access per month on spending ₹10,000 in previous billing cycle
Low 1% Forex markup fee on international transactions
1% fuel surcharge waiver valid on fuel purchases between ₹400 and ₹3,000
Rewards applicable on daily UPI spends, groceries, food orders, bills, and online/offline shopping
Spend milestone
Annual renewal fee of ₹500 waived on reaching ₹2 Lakh in annual card spends
Fees & Charges
Joining fee
₹0 (Virtual) / ₹500 + GST (Physical)
Annual fee
₹0 (Virtual) / ₹500 + GST (Physical)
Virtual Card: Lifetime Free (₹0) | Physical Card: ₹500 + GST (Waived on ₹2 Lakh annual spends)
Interest rate
3.5% per month (42% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 60 years
employment profiles
Salaried Individuals
Credit score & income
Fair to Good (700+)
Compare CUB SalarySe Level Up Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| CUB SalarySe Level Up Credit Card This Card | ₹0 (Virtual) / ₹500 + GST (Physical) | 25 SCoins per ₹100 on SalarySe UPI; 10 SCoins per ₹100 when... | 1 Domestic/Month (Physical Card, ₹10K Spend) | 4.4/5 |
| YES Bank POP CLUB Credit Card | Free | 10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline... | No Lounge Access | 4.8/5 |
| RBL Bank ShopRite Credit Card | Free | 20 Reward Points per ₹100 spent on groceries (~5% return); 1... | No Lounge Access | 4.6/5 |
| Flipkart Axis Bank Credit Card | ₹500 + Taxes | 7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart &... | No Lounge Access (Discontinued Jun 2025) | 4.5/5 |