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SalarySe LevelUP City Union Bank Credit Card
Fintech Cards · City Union Bank

SalarySe LevelUP City Union Bank Credit Card

Up to 7.5% back on UPI on Salary Day (1st & last of the month)

Joining fee₹0
Annual feeLifetime free
NetworkRuPay
Forex markup2%
LoungeYes
Best forLifetime Free
Apply on issuer site Compare
Details checked October 2026 · Virtual card lifetime free; physical card ₹500 + GST

01Variants

VariantFeeKey difference
Virtual (UPI only)Lifetime free5% Salary Day bonus, 2% forex, no lounge
Physical + virtual₹500 + GST (waived at ₹2 lakh)7.5% Salary Day bonus, 1% forex, monthly lounge visit

02Rewards

UPI, online & offline spends up to ₹20,000/month5 SCoins per ₹100 (~1%)
Spends above ₹20,000/month10 SCoins per ₹100 (~2%)
SalarySe UPI on the 1st & last day of the month7.5% on the physical card, 5% on the virtual card — on up to ₹15,000 of spend; needs ₹5,000 of regular spend that month
Rent, government, insurance, education, utilities, railways~0.2%

Redemption: 5 SCoins = ₹1 on gift vouchers in the SalarySe app. SCoins expire 18 months after posting.

03Fees, benefits & charges

Fee waiver
Virtual card: lifetime free. Physical card: ₹500 + GST, waived on ₹2 lakh annual spend.
Welcome benefit
₹250 gift voucher on first card-linked UPI spend
Airport lounges
Physical card: 1 domestic airport lounge visit per billing cycle after ₹10,000 spend in the previous cycle. Virtual card: none.
Forex markup
2% on the virtual card, 1% on the physical card
Fuel
1% surcharge waiver on ₹400–₹3,000, capped at ₹300 per cycle (no rewards on fuel)
No rewards on
Wallet loads, fuel, cash, gambling, quasi-cash; small offline UPI payments under ₹2,000 at small merchants

04Highlights & watch-outs

Highlights

  • Lifetime-free virtual RuPay card for UPI
  • Salary Day bonus of up to 7.5% on UPI
  • Low forex markup on the physical card

Watch out for

  • Monthly regular rewards capped at 10% of your credit limit
  • 1% fees on rent, wallet loads, large utility and gaming spends
  • Best value needs paying through the SalarySe app on Salary Day

Suits: Salaried UPI users who pay big bills at the start or end of the month.

05FAQs

What is the annual fee of the SalarySe LevelUP City Union Bank Credit Card?
The SalarySe LevelUP City Union Bank Credit Card is lifetime free — there is no joining or annual fee.
Does the SalarySe LevelUP City Union Bank Credit Card offer airport lounge access?
Physical card: 1 domestic airport lounge visit per billing cycle after ₹10,000 spend in the previous cycle. Virtual card: none.
What is the forex markup on the SalarySe LevelUP City Union Bank Credit Card?
The foreign currency markup is 2% on the virtual card, 1% on the physical card.
Which spends don’t earn rewards on the SalarySe LevelUP City Union Bank Credit Card?
Wallet loads, fuel, cash, gambling, quasi-cash; small offline UPI payments under ₹2,000 at small merchants.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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