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CUB SalarySe Level Up Credit Card

  • Updated On: 24 December, 2025Published by: Rajat Gaur

CUB SalarySe Level Up Credit Card is built for salaried users who want high UPI rewards, Salary Day bonuses, and a free virtual option. The CUB SalarySe Level Up Credit Card is meant for users who want to earn reward points that are easy and consistent, and match their spending patterns. The credit card is both physical and virtual, which makes it more appealing, especially to younger audiences who prefer most of their things to be virtual and accessible.

The card also offers excellent rewards, including a base reward, an accelerated bonus, a super accelerated bonus, and a salary day bonus. Through these rewards, cardholders can earn reward points on every transaction.

The reward points will be issued as SalarySe SCoins, which will operate as the card’s Reward points. The SCoins earned can be redeemed only on the SalarySe App to buy gift vouchers from 200+ brands, and for any other redemption options available on the SalarySe App, including but not limited to cash conversion and merchant offers.

Users can also unlock 1 Lounge Access per Month by spending ₹10,000 in the previous billing cycle. Offers like these make this card more appealing to the customers.

CUB SalarySe Level Up Credit Card

( 4.4 / 5 )
CUB SalarySe Level UP Credit Card
  • Joining Fee₹500 + GST
  • Annual Fee₹500 + GST
  • Best Suited ForShopping
  • Reward TypeReward Points

Rewards Rate

25 Reward Points/₹100 on Transactions made via SalarySe UPI; 1 Reward Point/₹100 on Transactions Made on Other UPI Apps; 5 Reward Points /₹100 on Monthly Spend of Below ₹20,000 and 10 Reward Points/₹100 When Current Bill Exceeds ₹20,000

Welcome Benefits

N/A

Movie & Dining

N/A

Rewards Rate

25 Reward Points/₹100 on Transactions made via SalarySe UPI; 1 Reward Point/₹100 on Transactions Made on Other UPI Apps; 5 Reward Points /₹100 on Monthly Spend of Below ₹20,000 and 10 Reward Points/₹100 When Current Bill Exceeds ₹20,000

Reward Redemption

5 SCoins = ₹1

Travel

N/A

Domestic Lounge Access

1 Lounge Access per Month on Spending ₹10,000 in the Previous Billing Cycle

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    Renewal Fee Waived on Annual spending of ₹2,00,000 or More

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    1%

    Interest Rates

    3.5% Per Month or 42% Per Annum

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver, Valid On Fuel Spends Of ₹400 – ₹3,000 At All Fuel Stations Across India

    Cash Advance Charges

    Up to 3% of Cash Withdrawal Amount or ₹250, Whichever is Higher

    • CUB SalarySe Level Up Credit Card is made to offer rewards according to the cardholder’s spending pattern.
    • The card offers 25 Reward Points for every ₹100 spent on transactions made via SalarySe UPI.
    • The card offers 1 Reward Point for every ₹100 spent on transactions made on other UPI Apps.
    • Cardholders can earn 5 Reward Points per ₹100 when their monthly spend is below ₹20,000.
    • Earn 10 RP per ₹100 when your current bill exceeds ₹20,000.

    Pros

    • This card has a low Forex charge of 1%, which is significantly lower than the industry average of 3.5%.

    Cons

    • Salary day bonus is only applicable on the first and last day of the month.
    • All Reward Points shall expire upon the completion of eighteen months from the date on which such points are earned, so the user has to use the Reward Points within eighteen months.

  • Fee Structure

    This is a physical + virtual card. The joining fee for the card is ₹500 + GST, and the annual fee is ₹500 + GST, which will be waived with annual spending of ₹2,00,000 or more.

    Reward Earnings

    • If the cardholder’s monthly spending is below ₹20,000, they will receive 5 Reward Points for every ₹100 spent through Accelerated Reward points.
    • Under Accelerated Rewards, when the user’s current bill goes above ₹20,000, they will receive 10 Reward Points for every ₹100 spent through SalarySe UPI, as well as online and offline checkout.
    • Additionally, on the 1st and last day of each month, you can earn a special Salary Day Bonus of 37.5 Reward Points for every ₹100 spent using SalarySe UPI, up to a maximum of 5,625 points.
    • With the Base Rewards, cardholders can earn 1 Reward Point per ₹100 on transactions made on other UPI Apps.

    Airport Lounge Access

    Users can also unlock 1 Lounge Access per Month by spending ₹10,000 in the previous billing cycle.

    CUB SalarySe Level UP Credit Card Features

    Bottom Line

    The CUB SalarySe Level Up Credit Card offers many rewards for salaried professionals who prefer to use UPI. Even though the reward structure is complex and the reward points expire in 18 months, the card is helpful for users who are looking to earn rewards while making their daily purchases.

    If the user is looking for easy, consistent rewards that match their spending, this card is for them, as the CUB SalarySe Level Up Credit Card offers a choice between physical + virtual and a virtual-only option. This is helpful for users who prefer UPI only.

    FAQs:

    5 Scoin = ₹1, so that will make the value of 1 Scoin = ₹0.20.

    No, once you switch to virtual only, you will not have access to the domestic lounge.

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