Joining Fee
₹0 (Virtual) / ₹500 + GST (Physical)
Annual Fee
₹0 (Virtual) / ₹500 + GST (Physical)
Best
Suited For
Salaried Individuals, Salary Day UPI Spends & Low Forex Foreign Transactions
Rewards Type
Reward Points
Rewards Rate
25 SCoins per ₹100 on SalarySe UPI; 10 SCoins per ₹100 when monthly bill exceeds ₹20,000
Welcome Benefits
Virtual + Physical card options + 37.5 SCoins/₹100 Salary Day bonus
Card Details +
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
