RBL Bank SalarySe UP Credit Card

RBL Bank · Open to apply

A virtual RuPay credit card from the SalarySe app: 1 reward point per ₹100, 5 to 10 points per ₹100 on UPI payments made on SalarySe, welcome points worth up to 6,000, and points worth ₹0.20 each when redeemed on the SalarySe app.

Annual fee
₹499 + GST a year
Joining fee
₹499 + GST
Fee waiver
Annual fee waived on ₹2,00,000 spend per card year
Base rate
1 reward point per ₹100 on eligible online and offline spends: 1 RBL Reward Points per ₹100 (about 0.2% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 5 reward points per ₹100 on UPI payments on SalarySe, 10 per ₹100 above ₹20,000 a billing month: 5 RBL Reward Points per ₹100 up to ₹20,000; 10 RBL Reward Points per ₹100 above ₹20,000 (about 1% at cash value)

Earns nothing on

  • No reward points on fuel and auto, utilities, insurance, quasi-cash and cash, rent, education, wallets, government services and EMI conversions
  • No reward points on railways

Terms the calculator does not value

  • The 5X and 10X rates apply only to UPI payments made on SalarySe's platform; they are modelled as a route rule that is off until the reader switches the SalarySe route on, with 1 point per ₹100 for everyone else.
  • Offline UPI transactions under ₹2,000 at small merchants (turnover up to ₹20 lakh) on an RBL RuPay credit card earn no points, vouchers, milestones or other benefits.
  • Contracted services, miscellaneous (5960) and Bills2Pay are excluded from points but are not spend categories of ours, so the calculator still pays points on them.

Sources

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