Card Details
Salaryse Up Credit Card
Monzy Score
6.5/ 10
Good for diners and foodies.
~2.5% back on top spends; high 3.5% forex markup.
Card Issuer
RBL Bank
Joining Fee
₹499
Annual Fee
₹499
Reward Type
Reward Points
Card Access
Standard
Earn Points
10X Scoins
on SalarySe UPI spends above ₹20,000/month
5X Scoins
on All other SalarySe UPI spends
1X Scoins
on Other online and offline card spends
Benefits
Earn 5X–10X Scoins on SalarySe UPI spends
- High UPI-linked rewards
- 5X rewards on every SalarySe UPI transaction
- 10X rewards unlocked after ₹20,000 SalarySe UPI spends in a month
- Rewards drop to 1X on non-SalarySe spends
Joining fee refund + renewal waiver
- Manageable fees with clear waivers
- Joining fee refunded after first SalarySe UPI payment via 2,500 Scoins
- Renewal fee waived on ₹2,00,000 yearly spends
- Refund triggers only after eligible UPI transaction
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, government, education, emi
Estimated Returns
Retail online & offline spends
1RP/100
₹60
UPI on SalarySe (up to 20k/mo)
cap 1000pts=200
₹0
Incremental UPI on SalarySe (above 20k/mo)
cap 8000pts=1600
₹0
Total Annual Return
₹720
0.2% Effective ROIWhat Users Are Saying
Community Feed
Mar 2026
“Everything you need to know about the SalarySe”
by r/IndiaCreditCardsHub, Mar 2026
“Survived a Credit Card fraud today. Sharing my experience”
by r/IndiaInvestments, Jul 2022
“IndianOil RBL Bank Extra Credit Card – In-depth Review”
by r/CreditCardsIndia, Jul 2025
“RBL Bank Launched UP card”
by r/CreditCardsIndia, Jul 2025
“RBL Bank really said “slow and steady” ₹10k limit hike in”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The joining fee is ₹0 plus GST and the renewal fee is ₹499 plus GST. The first year fee is currently being waived on new approvals. RBL Bank waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
5X/10X reward rates and the joining-fee refund apply only to SalarySe UPI transactions.
Card runs on RuPay credit rails and redemptions happen via rblrewards; welcome bonus is issued only once per eligible customer.
This is a virtual card.
