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City Union Bank · RuPay

CUB SalarySe Level UP

SCoins on eligible spending, SalaryDay bonuses and a choice of physical-plus-virtual or lifetime-free virtual-only cards. Points are not rupees.

CUB SalarySe Level UP Credit Card

Normal earn

5/10 SCoins per ₹100; 5 SCoins = ₹1

SalaryDay

Up to 7.5% stated value; conditions apply

Physical

₹500 + GST; waiver at ₹2 lakh

Virtual-only

Nil joining / annual fees

Ordinary earning

Eligible SalarySe UPI, card online and POS spending earns 5 SCoins/₹100 up to ₹20,000 per billing cycle; only incremental eligible spend above ₹20,000 earns 10 SCoins/₹100. Base categories/other UPI apps earn 1 SCoin/₹100.

SalaryDay bonus

SalaryDay on the 1st and last day: 37.5 SCoins/₹100 physical-plus-virtual or 25 virtual-only, after ₹5,000 qualifying non-SalaryDay spend. Maximum ₹15,000 SalaryDay eligible spend/cycle; awards do not stack with another reward bucket.

Variant choice

Physical-plus-virtual: ₹500 + GST fee, renewal waiver at ₹2 lakh, 1% forex and 1 domestic lounge/month after ₹10,000 prior-cycle spend. Virtual-only: nil joining/annual fees and 2% forex; no physical-card lounge promise.

CUB SalarySe Level UP: fees & key facts

CUB SalarySe Level UP credit card fees and key facts
Variants and feesPhysical + virtual: joining/annual ₹500 + GST, renewal waived at ₹2 lakh eligible annual spend. Virtual-only: nil joining and annual fees. This page covers CUB Level UP only.
Base reward categories1 SCoin/₹100 through other UPI apps or in base categories such as rent, railways, insurance, education, telecom and government. Small offline merchants below ₹2,000 are listed as a base category; restrictions still apply.
Accelerated earning5 SCoins/₹100 on eligible SalarySe UPI/card online/POS spending up to ₹20,000 in a billing cycle. Only incremental eligible spending above ₹20,000 earns 10 SCoins/₹100. Base/restricted categories and SalaryDay earning are separate.
SalaryDay conditions1st/last calendar day, SalarySe UPI only; unlock with at least ₹5,000 eligible non-SalaryDay spend. Physical: 37.5 SCoins/₹100, cap 5,625/cycle; virtual-only: 25/₹100, cap 3,750/cycle. Eligible SalaryDay spend capped ₹15,000/cycle; no stacking.
Point value and expiryIssuer states 1 RP = 1 SCoin and 5 SCoins = ₹1; redeem within SalarySe under its available offers. Points expire after 18 months; fractional points round down. Cash conversion/offers can have different in-app value.
Effective advertised valueAt the issuer’s stated ₹0.20/SCoin: base 0.2%, ordinary eligible accelerator 1%/2%, SalaryDay up to 7.5% physical or 5% virtual before rounding/caps. These are not guaranteed cash-redemption percentages.
Unresolved monthly capIssuer PDF says 10% of credit limit for base/accelerated rewards, but its ₹1 lakh-limit example says 1,000 RP. These do not agree. Confirm the applicable cap with CUB/SalarySe; SalaryDay award cap is separately stated.
Lounges and forexPhysical: 1 domestic lounge visit/month after ₹10,000 previous billing-cycle spend and 1% forex. Virtual: 2% forex; do not assume physical lounge entitlement. Applicable taxes/charges and live lounge eligibility apply.
Restricted categoriesCash, wallets/service providers, fuel/auto, quasi-cash/money transfers and gambling are restricted. Base categories earn only base rewards and cannot receive the accelerated/SalaryDay award.

Public issuer terms checked 15 October 2026.

CUB Level UP only. Primary issuer feature PDF takes precedence over marketing reward-percent labels. Monthly cap wording conflicts with the issuer’s example and remains unresolved; physical/virtual terms are separated.

CUB official Level UP productCUB reward feature documentSalarySe official Level UP variants

Who should get it

This is the City Union Bank Level UP card, separate from RBL SalarySe UP. The physical-plus-virtual and virtual-only variants have different fees, SalaryDay awards and travel benefits.

The issuer defines 5 SCoins = ₹1. Therefore 5/10 SCoins per ₹100 represent 1%/2% at that stated value; the advertised 37.5 SCoins per ₹100 SalaryDay award represents up to 7.5%, not 37.5% cash.

The issuer document has a material cap inconsistency: it says 10% of credit limit but illustrates only 1,000 points on a ₹1 lakh limit. Confirm the applicable cap with CUB/SalarySe before relying on a high-spend return.

Reward exclusions

Transactions that do not earn SCoins

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Cash, wallet/service-provider loads, fuel/auto, quasi-cash and gambling
  • Base categories are excluded from accelerators and SalaryDay, but can earn base points
  • Refunds/reversals reduce earned points; only one reward category per transaction

CUB Level UP only. Primary issuer feature PDF takes precedence over marketing reward-percent labels. Monthly cap wording conflicts with the issuer’s example and remains unresolved; physical/virtual terms are separated.

Checked 15 October 2026CUB official Level UP productCUB reward feature documentSalarySe official Level UP variants

CUB SalarySe Level UP FAQs

Does SalarySe Level UP pay 37.5% cashback?

No. The physical card’s SalaryDay award is 37.5 SCoins/₹100. At 5 SCoins = ₹1, that is up to 7.5% stated value before conditions, caps and rounding. Virtual-only SalaryDay is 25 SCoins/₹100, up to 5% stated value.

Does crossing ₹20,000 reprice all spending at 10 SCoins?

No. The issuer says only incremental eligible spend above ₹20,000 earns 10 SCoins/₹100; spend up to ₹20,000 remains at 5.

What unlocks SalaryDay rewards?

Spend at least ₹5,000 on eligible non-SalaryDay days. Use SalarySe UPI on the first/last day; base/restricted categories do not qualify, and eligible bonus spend is capped ₹15,000/cycle.

Is Level UP lifetime free?

The virtual-only variant has nil joining/annual fees. Physical + virtual costs ₹500 + GST with a ₹2 lakh renewal waiver.

Is the monthly reward cap confirmed?

The issuer PDF’s 10%-of-limit wording conflicts with its example of 1,000 RP on a ₹1 lakh limit. Obtain issuer clarification rather than assuming a guaranteed cap.

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