CUB SalarySe Level Up Credit Card
The CUB SalarySe Level Up is an app-first RuPay credit card from the SalarySe app, issued by City Union Bank for salaried users. Rewards are paid in SalarySe SCoins, and the number that governs everything is CUB's own: 5 SCoins = ₹1. Every rate the marketing quotes is a SCoins-per-₹100 figure, so read it at a fifth of face value. Base earning — anything not routed through SalarySe UPI, plus rent, railways, insurance, education, telecom and government — is 1 SCoin per ₹100, or 0.2%. Route the spend through SalarySe UPI (or pay online with the card) and it becomes 5 SCoins per ₹100 (1%), rising to 10 per ₹100 (2%) on the portion of monthly spend above ₹20,000. The hook is the salary-day bonus on the 1st and last of each month: 25 SCoins per ₹100 on the free virtual card (about 5%) or 37.5 on the paid physical one (7.5%) — but it only unlocks after ₹5,000 of ordinary spend that cycle, and counts only the first ₹15,000 of salary-day spend, capping it near ₹750 a month. SCoins redeem only inside the SalarySe app and expire after 18 months.
Key features
What this card is built to do — the highlights that actually matter.
1% on Online Shopping
Accelerated — 5 SCoins per ₹100 (1%) on SalarySe-UPI and online card spends, on the first ₹20,000 of monthly spend; the portion above ₹20,000 earns 10 SCoins per ₹100 (2%). Monthly rewards are also capped at 10% of the credit limit
0.2% on Other
Base rate — 1 SCoin per ₹100 (0.2%) on spends outside SalarySe UPI and on CUB's base categories (rent, railways, insurance, education, telecom, government). 5 SCoins = ₹1, redeemable only in the SalarySe app; SCoins expire after 18 months
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹300/month
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 1% | — |
| Other | reward points | 0.2% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.5% p.m. |
| Forex markup | 2% |
| Add-on card fee | ₹500 |
| Fuel surcharge waiver | 1%, cap ₹300 |
Should you get it?
Best for: Salaried user who will route everyday spends through the SalarySe app, Someone wanting a free RuPay card for UPI scan-and-pay
Entry tier — great for first-time and lower-spend users.
Strongest value if you spend heavily on Online Shopping ( 1% back).
✓ Pros
- Lifetime-free virtual card on RuPay, so it works on UPI
- 1% on SalarySe-UPI spends, rising to 2% on monthly spend above ₹20,000
- A salary-day burst worth about 5% on the 1st and last of the month
- 1% fuel surcharge waiver on ₹400–₹3,000 fills, up to ₹300 a statement cycle
✕ Cons
- SCoins are worth ₹0.20 each — the headline "37.5% / 10% / 5%" are points rates, not cash returns
- Spends outside SalarySe UPI earn just 0.2%, including rent, insurance, education and telecom
- The salary-day bonus needs ₹5,000 of other spend first and counts only ₹15,000 per cycle
- The 12 lounge visits require the paid physical card (₹500 + GST joining and again from year 2)
- SCoins expire after 18 months and can only be redeemed inside the SalarySe app
Eligibility & documents
Age
21 –60 years
Employment
Salaried
Documents required
- PAN card
- Aadhaar / valid address proof
- Salary proof — salary slips / salary-account statement
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem SCoins inside the SalarySe app for brand gift vouchers (CUB's card page says 250+ brands; its reward document says 200+)
🎁 Convert SCoins to cash through the SalarySe app at 5 SCoins to ₹1
🎁 SCoins expire 18 months after they are earned
What your Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit / catalogue Most common; lowest value
Flights & hotels via issuer portal BEST Higher value on travel bookings
The concern The advertised "37.5% / 10% / 5%" are SCoins per ₹100, not cash — at 5 SCoins to the rupee they are 7.5% / 2% / 1%, and the top rate needs the paid physical card. Base spend earns 0.2%.
The bottom line
This is a no-cost UPI card with one legitimately useful feature buried under a fair amount of fine print. Once the SCoin figures are converted to cash, the real payout is 1% on spending routed through SalarySe UPI, 2% on the slice above ₹20,000 a month, and close to 5% during the two salary-day windows, subject to a ₹15,000 spending cap — which tops out at around ₹750 a month for someone maximizing every rule. Spending outside SalarySe UPI, meanwhile, earns only 0.2%. Lounge access, notably, belongs exclusively to the paid physical card and isn't part of this free version. It works well as a no-cost secondary card for a salaried user willing to work within the app's structure, but offers little beyond that for anyone else.
Sources & verification
Fees, reward rates, and benefits for the CUB SalarySe Level Up Credit Card are taken from City Union Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 8 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for City Union Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · 1 changes · last change Dec 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 1 change — 1 neutral
◆ Launch Effective 9 Dec 2025
CUB SalarySe Level Up launches in Chennai
RuPay-on-UPI salary-linked card, live via the SalarySe app
SalarySe and City Union Bank launched the Level Up card in Chennai — pitched as India's first salaried-focused credit card on the RuPay Credit-on-UPI rails. Its headline is a "Salary Day Bonus" of up to 37.5% rewards on spends made via SalarySe UPI on salary-credit days, with a lifetime-free virtual card and a physical+virtual variant carrying a Rs 500 joining fee.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Quick summary
Type Entry credit card
Reward rate 0.2%–1%
Best for Salaried user who will route everyday spends through the SalarySe app
Joining fee Free
Annual fee Lifetime free
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 8 Aug 2026
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