MyFinCards
RBL Bank SalarySe UP Credit Card

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

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.

Expert Review

Our Verdict

100% virtual RuPay credit card with up to 10X rewards on UPI spends via SalarySe app at just ₹499/year.

Frequently Asked QuestionsAbout RBL Bank SalarySe UP Credit Card

FEESWhat is the annual fee for the RBL Bank SalarySe UP Credit Card?
The RBL Bank SalarySe UP Credit Card comes with an annual membership fee of INR 499 + GST. However, you can get the next year's annual fee waived off by spending INR 2 lakhs in a year. Note that spends on certain categories such as fuel, utilities, insurance, railways, education, and government services are not counted towards the fee waiver threshold.
FEESIs there a joining fee for the RBL Bank SalarySe UP Credit Card?
No, there is no joining fee for the RBL Bank SalarySe UP Credit Card. You only need to pay an annual membership fee of INR 499 + GST to maintain the card. This makes it an affordable option for those looking to earn rewards on their everyday UPI and online spends without a high upfront cost.
BENEFITSWhat are the welcome benefits offered on the RBL Bank SalarySe UP Credit Card?
The RBL Bank SalarySe UP Credit Card offers welcome benefits of up to 6,000 reward points: 2,500 reward points on making your first transaction of INR 500 within 30 days of card issuance, 2,000 reward points on completing 15 UPI transactions worth INR 500 each within 30 days, and an additional 1,500 reward points on spending INR 30,000 within the first 3 months of card issuance. Welcome benefits are given only once, provided eligibility criteria are met.
REWARDSHow many reward points can I earn on UPI spends with this card?
You can earn accelerated reward points on UPI spends made through the SalarySe platform: 5X reward points for every INR 100 spent on eligible UPI transactions on SalarySe (capped at 1,000 points per month), and 10X reward points for every INR 100 spent on incremental UPI spends of INR 20,000 per month (capped at 8,000 points per month). For all other eligible online and offline spends, you earn 1 reward point for every INR 100 spent.
USAGEHow can I redeem the reward points earned on the RBL Bank SalarySe UP Credit Card?
Reward points can be redeemed in two ways. You can redeem them on the SalarySe App at a value of INR 0.20 per reward point with zero redemption fee. Alternatively, you can redeem points on the RBL Bank Rewards portal at www.rblrewards.com, but a redemption fee of INR 99 + GST will be applicable. It is recommended to use the SalarySe App for redemption to avoid the additional fee.
BENEFITSIs the RBL Bank SalarySe UP Credit Card a physical or virtual card?
The RBL Bank SalarySe UP Credit Card is a 100% virtual credit card. No physical card will be delivered to the cardholder. The card can be accessed and managed through the RBL Bank MyCard App. It is issued on the RuPay network and is UPI-powered, making it ideal for digital and online transactions via the SalarySe platform.
OTHEROn which network is the RBL Bank SalarySe UP Credit Card issued?
The RBL Bank SalarySe UP Credit Card is available exclusively on the RuPay network. Being a RuPay credit card, it supports UPI-powered transactions, enabling you to make payments directly through UPI apps. This also means the card may have limited acceptance for international transactions, so it is best suited for domestic spends.
REWARDSWhich spending categories are not eligible for reward points on this card?
Reward points cannot be earned on the following categories: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash transactions, Bills2Pay, and EMI spends. Additionally, offline UPI transactions under INR 2,000 made at small merchants (with turnover of not more than INR 20 lakh in the previous financial year) are also not eligible for reward points.
FEESHow can I get the annual fee waived on the RBL Bank SalarySe UP Credit Card?
You can get the annual fee for the next year waived off by spending INR 2 lakhs or more in a year. However, spends on certain excluded categories such as fuel, utilities, insurance, railways, education, wallets, government services, cash, EMI, and Bills2Pay transactions are not counted towards the INR 2 lakh threshold for the fee waiver benefit.
OTHERWho is the co-brand partner for the RBL Bank SalarySe UP Credit Card?
The RBL Bank SalarySe UP Credit Card is issued by RBL Bank in association with Critical Path Technologies Pvt Ltd, which operates the SalarySe platform. There is a revenue sharing arrangement between RBL Bank and SalarySe for this card. The SalarySe App is integral to maximising the card's benefits, including accelerated UPI rewards and fee-free reward redemption.
REWARDSWhat is the value of each reward point redeemed on the SalarySe App?
Each reward point is valued at INR 0.20 (20 paise) when redeemed through the SalarySe App, and there is no redemption fee for this option. If you choose to redeem on the RBL Bank Rewards portal instead, the same redemption value applies, but an additional fee of INR 99 + GST is charged. To maximise the value of your points, it is advisable to redeem through the SalarySe App.
INTERNATIONALCan I use the RBL Bank SalarySe UP Credit Card for international transactions?
The RBL Bank SalarySe UP Credit Card is issued on the RuPay network and is primarily designed for domestic use. The card's page does not mention any forex markup fee or international usage facility. Since RuPay acceptance may be limited internationally compared to Visa or Mastercard, this card is best suited for domestic online, offline, and UPI-based transactions within India.
USAGEHow do I access and manage the RBL Bank SalarySe UP Credit Card?
Since the RBL Bank SalarySe UP Credit Card is a 100% virtual card, it can be accessed and managed through the RBL Bank MyCard App. Through the app, you can view your card details, set your card PIN, manage card settings, make payments, and track your reward points. The SalarySe App is additionally required for UPI-based transactions and fee-free reward point redemption.
REWARDSAre there any caps on the accelerated reward points I can earn on UPI spends?
Yes, there are monthly caps on the accelerated UPI reward points. The 5X reward points on eligible UPI transactions through the SalarySe platform are capped at 1,000 points per month. The 10X reward points on incremental UPI spends of INR 20,000 per month are capped at 8,000 points per month. Beyond these caps, standard earning rates may apply as per the card's terms and conditions.
OTHERHow can I raise a complaint or grievance regarding the RBL Bank SalarySe UP Credit Card?
In case of any grievance related to the RBL Bank SalarySe UP Credit Card, you can reach out as per the Customer Grievance Redressal matrix available on the RBL Bank website. For unresolved complaints, you may contact the bank's Nodal Officer. You can also visit the RBI Sachet Portal for regulatory complaints. Additionally, RBL Bank's customer service can be contacted for reporting card loss, fraud, or unauthorised transactions.

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