RBL Bank SalarySe UP Credit Card
The RBL SalarySe UP Credit Card is a fully virtual RuPay card designed for UPI-first spenders, issued in partnership with the SalarySe app. It earns 1 reward point per ₹100 on eligible spends and 5X (5 points per ₹100) on UPI spends made through the SalarySe platform, capped at 1,000 points a month. A further 10X tier applies only to incremental UPI spends beyond ₹20,000 in a month, capped at 8,000 points. RBL states points redeem on the SalarySe app at ₹0.20 each with no redemption fee, so the 5X rate is roughly 1.00% and the 10X tier about 2.00%. There is no physical card — you scan and pay via UPI. The published fee is ₹499 joining and annual (waived at ₹2 lakh of annual spend); the SalarySe app has at times promoted it fee-free, but RBL's own schedule of charges lists the ₹499.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,200 in vouchers, points or cashback on card activation
1% on Online Shopping
5X (5 points per ₹100, ~1.00% at RBL's stated ₹0.20 per point in the SalarySe app) on UPI spends through the app, capped 1,000 points/month; a 10X tier applies on incremental UPI above ₹20,000/month (capped 8,000 points)
0.2% on Other
1 reward point per ₹100 on eligible online & offline spends (~0.20%)
Annual Fee Waiver
Fee of ₹499 + 18% GST (₹589 all-in)/yr fully waived when you spend ₹2,00,000/year
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% | ₹200 |
| Other | reward points | 0.2% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
Should you get it?
Best for: UPI-first spenders who route payments through the SalarySe app, Salaried users comfortable with a virtual-only credit card
Entry tier — great for first-time and lower-spend users.
Strongest value if you spend heavily on Online Shopping ( 1% back).
✓ Pros
- 5X reward points (~1.00%) on UPI spends via the SalarySe app
- 10X tier on incremental UPI spends above ₹20,000 a month
- RuPay-on-UPI — scan-and-pay from your phone with no physical card
- Layered one-time welcome bonus worth up to 6,000 points across first-purchase and spend milestones
- Redeeming inside the SalarySe app carries no redemption fee
✕ Cons
- Both accelerated tiers are capped — 1,000 points/month on 5X, 8,000 on 10X
- The 10X tier applies only to UPI spend above ₹20,000 in a month, and only through the SalarySe app — the first ₹20,000 still earns 5X, so our modelling credits the 5X tier only
- Points redeem at ₹0.20 in the SalarySe app, so 5X is about 1.00% — redeeming on RBL's portal instead carries a ₹99 + GST fee
- Fuel, utilities, insurance, rent, education, wallets, government services and cash earn no points
- Fully virtual card — no physical plastic issued
- ₹499 fee waives only at ₹2 lakh of annual spend; not lifetime-free despite app marketing
Eligibility & documents
Age
18 –65 years
Min. income
₹20,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem reward points within the SalarySe app (no redemption fee)
🎁 Redeem via the RBL rewards portal (₹99 + GST redemption fee)
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The rich rates are capped (1,000 points/month on 5X, 8,000 on 10X) and require routing UPI through the SalarySe app; points redeem at ₹0.20 in the app, so 5X is about 1.00% rather than the headline multiplier suggests; the card is virtual-only, and the ₹499 fee waives only at ₹2 lakh — not the lifetime-free card its app marketing can imply.
The bottom line
The SalarySe UP functions effectively as a specialized virtual UPI card, providing a 1% return on initial monthly UPI spends up to ₹20,000 and 2% on subsequent amounts, alongside a ₹499 fee that waives at ₹2 lakh of annual spend. For users consistently conducting ₹25,000 or more in monthly UPI payments, it generates steady value, provided they remain aware of standard category reward exclusions.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank SalarySe UP Credit Card are taken from RBL Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 6 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 RBL 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 2024 · 2 changes · last change Jan 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 cut
▼ Fee Observed Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee → 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2024 1 change — 1 neutral
◆ Launch Effective 2024
RBL SalarySe UP launched as a virtual RuPay-on-UPI card
RBL Bank, in partnership with the SalarySe app (Critical Path Technologies), launched the SalarySe UP as a 100% virtual RuPay-on-UPI credit card for UPI-first spenders. It earns 1 reward point per ₹100 on eligible spends and 5X (capped 1,000 points/month) on UPI routed through the SalarySe app, plus a 10X tier on incremental UPI above ₹20,000/month (capped 8,000 points); joining and annual fee ₹499 (waived at ₹2 lakh of annual spend), with a layered welcome benefit worth up to ~6,000 points. No physical card is issued. The exact launch date is undocumented — the card rode RBL's Aug-2024 RuPay-on-UPI push and was reviewed as newly launched by early January 2025.
Verification: RBL Bank ↗ · Confidence: Reconstructed
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.
Embed this timeline on your site Free to use. Facts only — dates, changes and before/after values. Please keep the credit line below the frame: it's the only part search engines can see, and it's what we ask for in return.
Source: RBL Bank SalarySe UP Credit Card value timeline — CardAdvisor
“ Cite this timeline Quoting a date or a before/after figure? Copy the HTML version — it credits the record with a working link.
HTML (with link) Plain text Copy
Source: RBL Bank SalarySe UP Credit Card value timeline , CardAdvisor (CC BY 4.0).
Want to know if this beats your current card for your spending?
Apply now → Compare with my profile
Applications are submitted to and decided by RBL Bank . CardAdvisor does not issue cards or process applications.
Find your best card
Answer 5 questions. Get a personalised shortlist with ₹ value estimates.
Find my card →
Quick summary
Type Entry credit card
Reward rate 0.2%–1%
Best for UPI-first spenders who route payments through the SalarySe app
Joining fee ₹499
Annual fee ₹499
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 6 Aug 2026
How we research →
Useful links
Rewards calculator
Estimate any card’s annual value
Points valuations
What each point is really worth
Latest card changes
Live fee & reward-rate tracker
Market insights
The Indian card landscape
Card data study 2026
280 cards analysed — August 2026
Frequently asked questions
Check your eligibility for this card
Answer a few quick questions and our team will reach out with matching card offers based on your profile.