Question 1

What is the annual fee on the Salaryse Up Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the Salaryse Up Credit Card?

Accepted Answer

You earn 10 points per ₹100 on incremental UPI spends over INR 20 and similar spends. Everything else earns 1 point per ₹100. Each point is worth about ₹0.01 when you redeem it well, so ₹10,000 of top category spend gives you 1000 points, roughly ₹10, which is about 0.1% back. The accelerated rate stops after ₹1,600 of spend in a month. Cash Advance, Fuel, Wallet Load, EMI earn nothing at all.

Question 3

Which spends do not earn rewards on the Salaryse Up Credit Card?

Accepted Answer

Cash Advance, Fuel, Wallet Load, EMI, Rent Payments earn nothing on this card. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

Question 4

What changed on the Salaryse Up Credit Card recently and is it still worth it in 2026?

Accepted Answer

No card-specific notice; RBL lounge (spend-based) and reward-point cuts apply. The changes are dated Jul 2025. At ₹2L of yearly spend the card returns roughly ₹2,000 at its general rate of about 1%, against a ₹499 renewal fee. Keep it if you clear the ₹2L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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