CUB SalarySe Level Up Credit Card
City Union Bank · RuPay · Mid card
Combines RuPay UPI, low forex and conditional lounge access in a relatively low-fee product.
SalarySe users who want one card for UPI, occasional travel and low foreign-currency costs.
Terms checked 23 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.2%
- Forex markup
- 1%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Other miscellaneous | 1% |
| Bills & utilities | 0.2% |
| Education & family | 0.2% |
| House rent | 0.2% |
| Insurance premiums | 0.2% |
| Fuel & commute | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹2,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
12 domestic airport lounge visits per year
3 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Requires ₹10,000 per Billing cycle for the following calendar month
One RuPay lounge voucher per eligible month, represented as three per quarter.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
SalaryDay virtual-card rate
Usage-based value25 SCoins per ₹100 on the first and last day of the month after ₹5,000 of qualifying non-SalaryDay spend; this is the virtual-card rate.
Conditions: 25 SCoins per ₹100 on the first and last day of the month after ₹5,000 of qualifying non-SalaryDay spend; this is the virtual-card rate.
SalarySe UPI monthly tiers
Usage-based valueFive SCoins per ₹100 through ₹20,000 and ten SCoins per ₹100 on incremental eligible monthly SalarySe UPI spend above ₹20,000.
Conditions: Five SCoins per ₹100 through ₹20,000 and ten SCoins per ₹100 on incremental eligible monthly SalarySe UPI spend above ₹20,000.
Online and in-store monthly tiers
Usage-based valueFive SCoins per ₹100 through ₹20,000 and ten SCoins per ₹100 on incremental eligible monthly online or in-store card spend above ₹20,000.
Conditions: Five SCoins per ₹100 through ₹20,000 and ten SCoins per ₹100 on incremental eligible monthly online or in-store card spend above ₹20,000.
Other-app UPI base
Usage-based valueOne SCoin per ₹100 on eligible UPI payments outside the SalarySe accelerated route.
Conditions: One SCoin per ₹100 on eligible UPI payments outside the SalarySe accelerated route.
Published base categories
Usage-based valueOne SCoin per ₹100 on published base categories including utilities, education, rent and insurance.
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹2,00,000 of eligible annual spending.
Conditions: Reach ₹2,00,000 eligible annual spending
Airport lounge access · 1 item
Domestic lounge access
Usage-based value3 visits per quarter through Issuer card. Guest access: not specified. One RuPay lounge voucher per eligible month, represented as three per quarter.
Conditions: Spend ₹10,000 per billing cycle
Foreign-currency charges · 2 items
Paid variant carries 1% forex markup; the lifetime-free variant carries 2%
Shown without a cash valueForeign-currency markup
Usage-based value1% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed City Union Bank documents do not publish a universal numeric income threshold.
Other benefits · 5 items
7.5% SalaryDay value for eligible SalarySe UPI users holding both physical and virtual cards, subject to the published unlock and cap
Shown without a cash value1% fuel-surcharge waiver on ₹400-₹3,000 transactions, capped at ₹300 per statement cycle
Shown without a cash value1% value back on the first ₹20,000 of monthly eligible SalarySe UPI, online and in-store spend
Shown without a cash value2% value back on incremental eligible monthly spend above ₹20,000
Shown without a cash value5% SalaryDay value on qualified virtual-card SalarySe UPI spend
Shown without a cash value
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 1% value back on the first ₹20,000 of monthly eligible SalarySe UPI, online and in-store spend
- ✓ 2% value back on incremental eligible monthly spend above ₹20,000
- ✓ 5% SalaryDay value on qualified virtual-card SalarySe UPI spend
- ✓ One domestic lounge visit monthly after ₹10,000 of prior billing-cycle spend
What to watch
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.
Recorded exclusions
Fuel Commute · Gold Jewellery · Wallet load · Cash withdrawal · Quasi cash · Gambling · Service provider payments
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026