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3.5/5 Editorial Score

RBL Bank SalarySe UP Credit Card

Co-Branded RuPay Credit on UPI for Salaried Employees

Best Suited For

Corporate salaried employees, UPI power users, and digital shoppers wanting credit-linked QR payments

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Joining Fee

₹499

One-time upfront

Annual Fee

₹499

Waived on ₹2 lakh annual spend

Base Rewards

0.5% universal cashback on other retail transactions

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

3.5/5 Editorial Score

The RBL Bank SalarySe UP Credit Card is a technology-first co-branded credit card developed in collaboration with SalarySe on the RuPay credit network, specifically tailored for India's corporate salaried workforce. The card integrates directly into the unified payments interface (UPI), allowing cardholders to scan any merchant QR code via Google Pay, PhonePe, Paytm, or SalarySe app and pay using their revolving credit line with up to 50 days of interest-free liquidity. The card carries an upfront joining fee of ₹499 + GST and an annual fee of ₹499 + GST, waived upon achieving ₹2,00,000 in annual spending. Cardholders earn reward points on merchant UPI spends, online shopping, and utility payments. However, point redemption incurs RBL's standard ₹99 + GST charge, reward rates on non-merchant peer transfers are restricted, and the card does not provide complimentary airport lounge access. Who should consider it: Salaried professionals whose employers partner with SalarySe and who seek a reliable RuPay card for daily QR micro-transactions. Who should avoid it: Self-employed individuals without regular salary slips and travelers seeking airport lounge perks.

Ideal For:Corporate salaried employees, UPI power users, and digital shoppers wanting credit-linked QR payments

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Card Strengths

Native RuPay UPI Linking: Link card directly to Google Pay, PhonePe, or BHIM for daily QR code payments.
Tailored for Salaried Workforce: Co-branded financial privileges and credit line tracking tailored for corporate employees.
Up to 50 Days Interest-Free: Enjoy extended liquidity on everyday UPI grocery and retail purchases.
₹2 Lakh Annual Spend Waiver: Annual fee of ₹499 is waived on achieving ₹2,00,000 in annual spending.
1% Fuel Surcharge Waiver: Fuel surcharge relief across domestic petrol pumps for transactions up to ₹4,000.

Things to Keep in Mind

₹99 Reward Redemption Fee: Processing fee applies whenever accumulated points are redeemed.
No Airport Lounge Access: Does not include complimentary domestic or international airport lounge visits.
P2P Spends Excluded: Personal peer-to-peer UPI transfers do not earn rewards or count towards waiver.
Standard 3.50% Forex Markup: Cross-border purchases incur standard foreign currency conversion markups.

Additional Cardholder Privileges

Rewards

1 RP for every ₹100 spent on offline and online spends; 5X RP for every ₹100 spent on UPI transactions; 10X RP for every ₹100 spent on using UPI for transactions more than ₹20,000

Welcome

Welcome Benefit 1

Earn up to 2,500 Reward Points after the first transaction

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: SalarySe UP Cashback
Reward Currency: Cashback
Base Earn Rate: 0.5% universal cashback on other retail transactions
Redemption Method: Cashback automatically adjusted against monthly credit card statement balance.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
SalarySe UPI Spends	1.5% cashback on UPI transactions via SalarySe app	500 INR (₹)/mo	Standard terms apply
All Other Retail Spends	0.5% cashback on all other retail transactions	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

SalarySe UPI Spends1.50%

Cap: ₹500/monthly

₹

All Other Retail Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
SalarySe UPI Spends	₹12,000	1.5% cashback on UPI transactions via SalarySe app	—	₹500/monthly	Calculating...	Under cap
All Other Retail Spends	₹18,000	0.5% cashback on all other retail transactions	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹499 annual fee.

Multi-card comparator

Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

Tier 1 Target

₹2 lakhper year

Worth ₹499

Annual Fee Waiver

Spend Rs 2,00,000 in previous year to waive the Rs 499 annual renewal fee.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹499
Annual / Renewal Fee (2nd Year Onwards): ₹499
Annual Spend Fee Waiver: Waived on ₹2 lakh annual spend
Fee Terms Notes: Joining fee ₹499 + GST; annual fee ₹499 + GST waived on spending ₹2,00,000 in preceding membership year.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.99% per month
Annualized Interest Rate (APR): 47.88% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

Key Terms & Conditions for RBL Bank SalarySe UP Credit Card: • Network: Issued on RuPay network with native support for UPI credit linkage across all major UPI apps. • Fees: ₹499 + GST joining fee; ₹499 + GST annual fee, waived on spending ₹2,00,000+ in preceding membership year. • UPI Spending: Earn reward points on eligible merchant UPI QR code scan-and-pay transactions. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at domestic petrol pumps. • Reward Redemption Fee: Standard ₹99 + GST processing fee per catalog redemption request. • Finance Charges: Up to 3.99% per month (47.88% per annum) on revolving unpaid balances. • Foreign Exchange Markup: Standard 3.50% + GST on international transactions.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding RBL Bank SalarySe UP Credit Card application, fees, reward redemption, and eligibility

Can I link RBL Bank SalarySe UP Credit Card to UPI apps?

Yes, built on the RuPay network, you can link the SalarySe UP card to Google Pay, PhonePe, Paytm, or BHIM to pay at merchant QR codes.

What is the annual fee of RBL Bank SalarySe UP Credit Card?

The joining fee is ₹499 + GST and the annual renewal fee is ₹499 + GST, which is completely waived if you spend ₹2,00,000 or more in your membership year.

Do all UPI payments earn reward points?

Eligible merchant payments (P2M) made via QR code scan earn reward points. Person-to-person (P2P) transfers are excluded.

Does the card offer complimentary airport lounge visits?

No, the RBL Bank SalarySe UP Credit Card is focused on daily UPI retail spending and does not include airport lounge privileges.

What is the joining and annual renewal fee for RBL Bank SalarySe UP Credit Card?

The joining fee for RBL Bank SalarySe UP Credit Card is ₹499 (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on RBL Bank SalarySe UP Credit Card be waived?

Yes, the annual renewal fee of ₹499 is waived upon achieving annual spends of ₹2 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on RBL Bank SalarySe UP Credit Card?

RBL Bank SalarySe UP Credit Card offers 0.5% universal cashback on other retail transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does RBL Bank SalarySe UP Credit Card offer complimentary airport lounge access?

No, RBL Bank SalarySe UP Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.