CUB SalarySe Level Up vs SBI Flipkart Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 28 September 2026.
| Feature |  CUB SalarySe Level Up Credit CardCity Union Bank1 recent change → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.2% base, up to 1% on UPI payments | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay) | 1% | Earns nothing | |
| Online shopping | 0.2%; 1% only at SalarySe UPI payments, and online spends made with the Level Up card details, the accelerated rate does not apply to spends routed through any other UPI app | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | 0.2% | 1% | |
| Groceries | 0.2% | 1% | |
| Travel: flights, hotels, trains | 0.2% | 1%; 5% only at Cleartrip | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.2% | 1% | |
| Rent | 0.2% | Earns nothing | |
| Insurance premiums | 0.2% | Earns nothing | |
| School and college fees | 0.2% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.2% | 1% | |
| Everything else | 0.2% | 1% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | RuPay | Mastercard | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | Free | ₹500 + GST | |
| Annual fee | Free | ₹500 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹3,50,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Employment type | SALARIED | BOTH | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | ₹300 | - | |
| Forex and international | |||
| Forex markup | 2% | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| UPI note | 1% on SalarySe UPI and online card spends up to Rs 20,000 a month, 2% above it. | - | |
| Interest and charges | |||
| Interest rate (monthly) | 3.5% | - | |
| Interest rate (annual) | 42% | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Salary proof, salary slips / salary-account statement | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, SBI Flipkart Credit Card comes out ₹850 a year ahead of CUB SalarySe Level Up Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- SalarySe users
- Salaried people paying mostly by UPI
- First-time card users
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- Best rate only through SalarySe UPI or online
- Low earn on other UPI apps
- Lounge visit depends on monthly spend
- Each boosted category has a monthly cap
- Only 1% outside partner brands
- High ₹3,50,000 waiver target
- No lounge access
Card data sourced via CardAdvisor.in (CUB SalarySe Level Up Credit Card, SBI Flipkart Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, CUB SalarySe Level Up Credit Card or SBI Flipkart Credit Card?
CUB SalarySe Level Up Credit Card. CUB SalarySe Level Up Credit Card: no annual fee; SBI Flipkart Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
CUB SalarySe Level Up Credit Card has the lowest forex markup. CUB SalarySe Level Up Credit Card: 2%; SBI Flipkart Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: SBI Flipkart Credit Card 1%, CUB SalarySe Level Up Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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