CUB SalarySe Level UP Credit Card (Paid Variant)
City Union Bank · Open to apply
The paid variant of City Union Bank's SalarySe Level UP credit card: ₹500 joining and annual fee (waived on ₹2 lakh of spend), a 1% forex markup, a free first limit enhancement, one airport lounge visit a month after a ₹10,000 cycle, and the same SalarySe SCoin earn as the lifetime-free card.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Fee waiver
- Annual fee waived on ₹2,00,000 spend per card year
- 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
- Domestic: 1 visit per statement after ₹10,000 spend
- Forex markup
- 1%
- 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
- 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 paid card is read as the physical plus virtual one (37.5 per ₹100, 5,625 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)