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| Feature | City Union Bank CUB SalarySe Level Up Credit Card | AU Small Finance Bank AU Bank Spont Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | City Union Bank | AU Small Finance Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹500 + GST per year | ₹299 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.2% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Beauty & wellness | 1% · SalaryDay virtual-card rate | 1% · Eligible card and merchant-UPI cashback |
| Dining & delivery | 1% · SalaryDay virtual-card rate | 1% · Eligible card and merchant-UPI cashback |
| Groceries & essentials | 1% · SalaryDay virtual-card rate | 1% · Eligible card and merchant-UPI cashback |
| Online shopping | 1% · SalaryDay virtual-card rate | 1% · Eligible card and merchant-UPI cashback |
| Travel & hotels | 1% · SalaryDay virtual-card rate | 1% · Eligible card and merchant-UPI cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 12 domestic airport lounge visits per year | 8 domestic airport lounge visits per year |
| Forex markup | 1% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | SalarySe users who want one card for UPI, occasional travel and low foreign-currency costs. | UPI-first users who can spend ₹20,000 per quarter and value occasional airport lounge visits. |
| Main trade-off | Five SCoins equal ₹1. SalaryDay needs ₹5,000 of non-SalaryDay spend and has a ₹15,000 eligible-spend cap; the 7.5% headline rate additionally requires both physical and virtual cards. Ordinary UPI outside SalarySe earns only the 0.2% base. | Airport lounge access needs ₹50,000 in the previous calendar quarter, not ₹20,000. UPI cashback applies to merchant payments; AU0101 COINS have no stable cash value and are not ranked. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
