Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | City Union Bank CUB SalarySe Level Up Credit Card | ICICI Bank ICICI Bank HPCL Super Saver Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | City Union Bank | ICICI Bank |
| Network | RuPay | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.2% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 0.2% · Other-app UPI base | 5% · Utility and telecom rewards |
| Groceries & essentials | 1% · SalaryDay virtual-card rate | 5% · Grocery rewards |
| Fuel & commute | Excluded | 4% · HPCL fuel cashback |
| Beauty & wellness | 1% · SalaryDay virtual-card rate | 0.5% · Other domestic and international rewards |
| Dining & delivery | 1% · SalaryDay virtual-card rate | 0.5% · Other domestic and international rewards |
| Online shopping | 1% · SalaryDay virtual-card rate | 0.5% · Other domestic and international rewards |
| Travel & hotels | 1% · SalaryDay virtual-card rate | 0.5% · Other domestic and international rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | HPCL fuel cashback: ₹200/month |
| 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 | 4 domestic airport lounge visits per year |
| Forex markup | 1% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹20,000/month salaried · ₹20,000/month self-employed |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | SalarySe users who want one card for UPI, occasional travel and low foreign-currency costs. | Budget-conscious households that consistently refuel at HPCL and spend on groceries and utility bills. |
| 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. | The 400-point essentials cap is shared per statement cycle. Movie access needs ₹25,000 and lounge access ₹75,000 in the preceding quarter; waived annual fee removes roadside assistance eligibility. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
