Joining Fee

Free

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 2 Lakhs)

RBL Bank

Rewards

Shopping

Best For: Salaried individuals using SalarySe platform, UPI-heavy spenders, Those seeking a low-cost entry-level rewards card

RBL Bank SalarySe UP Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.2

Pros

Low annual fee of INR 499 + GST
Up to 10X accelerated reward points on UPI spends via SalarySe app
Annual fee waiver on spending INR 2 lakhs in a year
Welcome bonus of up to 6,000 reward points
Zero redemption fee on SalarySe App
UPI-powered virtual credit card on RuPay network

Cons

100% virtual card — no physical card issued
5X UPI rewards capped at 1,000 points per month
10X UPI rewards capped at 8,000 points per month
INR 99 + GST redemption fee on RBL Rewards portal
Low reward redemption value of INR 0.20 per point

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Accelerated UPI rewards only on SalarySe platform, not all UPI spends

Multiple MCC categories excluded from rewards

Offline UPI transactions under INR 2,000 at small merchants excluded from all benefits

Welcome benefits given only once per eligible customer

Key Benefits & Features

100% Virtual Credit Card accessible via RBL Bank MyCard App only; no physical card issued

Reward redemption on SalarySe App at INR 0.20 per point with no redemption fee; INR 99+GST fee applies on RBL Rewards portal redemption

Notable Exclusions

No reward points on Fuel & Auto transactionsNo reward points on UtilitiesNo reward points on InsuranceNo reward points on Quasi-Cash transactionsNo reward points on RailwaysNo reward points on Real Estate/RentalNo reward points on EducationNo reward points on Wallets/Service ProvidersNo reward points on Government ServicesNo reward points on Contracted ServicesNo reward points on Cash transactionsNo reward points on Miscellaneous (MCC 5960)No reward points on Bills2Pay transactionsNo reward points on EMI transactionsOffline UPI transactions under INR 2,000 at small merchants (turnover ≤ INR 20 lakh in previous financial year) are not eligible for reward points or any other product benefits

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About RBL Bank SalarySe UP Credit Card

The RBL Bank SalarySe UP Credit Card is a 100% virtual credit card issued by RBL Bank in association with Critical Path Technologies Pvt Ltd (SalarySe), available exclusively on the RuPay network. Designed for salaried individuals on the SalarySe platform, this card empowers cardmembers to earn rewards on every eligible spend across online, offline, and UPI transactions. Being entirely virtual, it is accessible through the RBL Bank MyCard App, with no physical card delivered to the cardmember. The card offers a tiered rewards structure to maximize earnings. Cardmembers earn 1 reward point per INR 100 on eligible online and offline spends, 5X reward points on eligible UPI transactions made through the SalarySe platform (capped at 1,000 points per month), and an accelerated 10X reward points on incremental UPI spends exceeding INR 20,000 per month (capped at 8,000 points per month). Welcome benefits include up to 6,000 bonus reward points tied to early spending and UPI transaction milestones within the first 30 days. At an annual membership fee of just INR 499 plus GST, the card offers strong value for cost-conscious spenders. The fee can be waived entirely upon spending INR 2 lakh in a year. Reward points can be redeemed on the SalarySe App at INR 0.20 per point with no redemption fee, or alternatively through the RBL Bank rewards portal.

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