About SalarySe Level Up Credit Card
The SalarySe Level Up Credit Card (issued in partnership with City Union Bank via the RuPay network) is a credit card designed specifically for salaried professionals in India. It stands out for its innovative Salary Day Bonus feature, which aligns rewards with real-life payday spending patterns, as well as its strong UPI integration through Credit on UPI. This makes it ideal for regular digital payments, bill settlements, and monthly necessities.
Fees and Charges
- Joining Fee: ₹500 + GST (for physical + virtual variant)
- Annual Fee: ₹500 + GST
- Annual Fee Waiver Spends: ₹2,00,000 per year
- Forex Markup Fee: 1% + Applicable Taxes
Welcome and Milestone Benefits
- Welcome Benefits: Earn ₹500 on your 1st card-linked UPI spend
- Milestone Benefits: Lounge access unlocked based on spends (e.g., ₹10,000 monthly spend may grant 1 domestic lounge access the next month.)
Cashback and Rewards
- Card Type: RuPay Credit Card on UPI (virtual/physical options)
- Card Network: RuPay
- Best For: Salaried individuals, UPI-heavy users, monthly bill payments, rent/groceries on or around salary credit days
- Cashback/Rewards on Online Purchases: Base 1%–2% (1% up to ₹20K spends, 2% above in normal periods; higher on specific days)
- Cashback/Rewards on Offline Purchases: Similar base rates; UPI-focused
- Maximum Cashback per Statement Cycle: NA (capped in some categories, e.g., Salary Day Bonus up to certain limits like ₹15K spends at boosted rate)
- Rewards Redemption Options: Likely as cashback, statement credit, or other options via app
The standout is the Salary Day Bonus: Up to 37.5% rewards (often described as 7.5% effective cashback in user experiences, with boosted rates like 7.5% on 1st/last day of month or salary credit day, up to ₹15K spends). Normal days: 1% cashback up to ₹20K, 2% beyond.
Lounge Access
- Domestic Lounge Access: 1 lounge access per month on a minimum spend of ₹10,000 in the previous month
- International Lounge Access: NA
Category Spend Benefits
- Online Shopping: Earn 5 RP per ₹100 on spends up to ₹20K/month. Earn 10 RP per ₹100 once monthly spend exceeds ₹20K. Earn 1 RP per ₹100 on transactions via other UPI apps.
- Food and Grocery: Base + potential Salary Day boost
- Utility Bill Payments: Base + Salary Day boost (ideal for bills)
- UPI Payment (Scan & Pay): 5–10% rewards on UPI
Excluded Categories
- All Excluded Categories: Likely standard exclusions like fuel, wallet loads, government, insurance, rent (in some contexts), cash, EMI conversions, quasi-cash, etc. (as per typical RuPay/CUB guidelines; specific list NA but rewards focus on UPI/essentials).
Why Choose SalarySe Level Up Credit Card?
This card is designed around salaried life cycles, not generic categories. When cash flow is high, the Salary Day Bonus (up to 37.5% rewards on payday spends) allows you to maximize returns on predictable big-ticket monthly expenses such as rent, bills, groceries, and UPI scans. With strong UPI rewards (5-10%), domestic lounge perks, lower forex, and a fee waiver on moderate purchases, it's a practical choice for digital-first salaried individuals. Users report saving between ₹5,000 and ₹11,000 annually on regular expenses. It's simple: no complicated tiers, just rewards when you need them most.
Who is eligible for the SalarySe Level Up Credit Card?
In India, most employees are salaried professionals with employer-linked payroll verification. Apply for instant checks using the SalarySe app. Standard credit card eligibility requirements include age, income proof, and a good credit history (specific income threshold NA).
Is the SalarySe Level Up Credit Card worth applying for?
Yes, particularly if you are salaried and rely heavily on UPI/digital payments. Unlike most cards, the Salary Day Bonus is perfectly aligned with monthly cash inflows/outflows, providing outsized value on rent, utilities, and essentials. When combined with UPI rewards, lounge access, and low/waivable fees, it provides consistent, real-world savings without chasing obscure categories.If your spending peaks early/late in the month or via UPI, this may outperform traditional cashback cards. However, if you require broad offline rewards, substantial international benefits, or no fuel/insurance exclusions, look elsewhere. As offers change, make sure to check the salaryse app for the most recent official details.