CUB SalarySe Level UP Credit Card (Lifetime Free)
City Union Bank · Open to apply
A lifetime-free credit card from City Union Bank and the SalarySe salary-advance app. It earns SalarySe SCoins (5 SCoins = ₹1): 5 per ₹100 on online and physical card spends up to ₹20,000 a cycle, 10 above, and 1 on other UPI apps and some bill categories. It is the virtual-only card, so it has no airport lounge visits.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 5 SCoins per ₹100 up to ₹20,000 a billing cycle, 10 per ₹100 above: 5 SalarySe SCoins per ₹100 up to ₹20,000; 10 SalarySe SCoins per ₹100 above ₹20,000 (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 2%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No SCoins on cash, wallets, fuel, quasi-cash, gambling and jewellery
Where the sources disagree
- reward rate: The product page headlines "5% rewards" (accelerated), "10%" (super accelerated) and "37.5%" (SalaryDay Bonus), but the feature document's terms say 5 SCoins are worth ₹1, so 5 SCoins per ₹100 is 1% (10 per ₹100 is 2%, 37.5 per ₹100 is 7.5%). We use the feature document.
Terms the calculator does not value
- Airport lounge visits (one a month after a ₹10,000 cycle) are listed on the product page and the feature document for the physical card ("Applicable on Physical card"; the lounge list is "for the Physical Variant"). The product page calls the lifetime-free card virtual-only, so none is entered here; if this card does get them, it is a missing benefit.
- SalaryDay Bonus: on the 1st and last day of each calendar month, SalarySe UPI payments earn 25 SCoins per ₹100 (virtual only card) or 37.5 (physical plus virtual card), unlocked by spending at least ₹5,000 on other days and capped at ₹15,000 of spend a billing cycle (3,750 or 5,625 SCoins). The product page calls the lifetime-free card the virtual-only one, so this card is read as getting 25 per ₹100 (3,750 SCoins a cycle); not stated outright.
- A cap of 10% of the credit limit in SCoins a month applies to base, accelerated and super accelerated rewards (not to the SalaryDay Bonus); the credit limit is the holder's own.
- Offers shown in the SalarySe app (merchant offers, gift voucher deals) are not published in the bank's documents.
Sources
- City Union Bank Key Fact Statement for Credit Cards, KFS_V6 (updated 2026-10-03) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- City Union Bank Most Important Terms and Conditions for Credit Cards, MITC_V6 (updated 2026-10-03) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Card Product Feature Document, CUB SalarySe Level UP Credit Card (March 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- CUB SalarySe Level UP RuPay lounge list (August 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- CUB SalarySe Level UP Credit Card page (Product page, the bank's own, read 6 Nov 2026)