City Union Bank
CUB SalarySe Level Up Credit Card
Data last verified: 28 September 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.2% base, up to 1% on UPI payments
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup2%
- Interest (APR)3.5% a month, 42% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹300 a month
- Add-on card₹500
The Level Up card from City Union Bank and SalarySe is a lifetime free RuPay card, with no joining or annual fee. Payments through SalarySe UPI and online spends with the card earn about 1% back. UPI payments through other apps, and other spends, earn about 0.2%.
It also offers 1 lounge visit a month if you spend Rs 10,000 in the previous billing cycle, and a forex fee of 2%, which is lower than most entry cards.
It suits salaried users already on SalarySe who want a free card for UPI and online payments. The catch: the good rate only applies through the SalarySe app or online, so if you pay using another UPI app your rewards drop sharply.
Best for: SalarySe users, Salaried people paying mostly by UPI, First-time card users.
01CUB SalarySe Level Up Credit Card Rewards and Benefits
02CUB SalarySe Level Up Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 2%
- Interest rate
- 3.5% a month (42% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
- Add-on card
- ₹500
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on upi payments (scan and pay), earning 1%₹50
- ₹15,000 on everything else, earning 0.2%₹30
- Back each month, ₹960 a year₹80
- In your pocket each year₹960
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- UPI payments: 1% back
- Online shopping 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% back
- Anyone who wants no annual fee, ever
- Spending abroad: 2% markup, most cards add 3.5%
Skip it if…
- most of your spending is fuel or wallet top-ups: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on UPI payments or 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: the 1% rate applies only there, everything else earns 0.2%
- you sometimes pay only the minimum due: interest of 3.5% a month (42% a year) outweighs any reward
04Product Details
- Lifetime free, no joining or annual fee
- About 1% back on SalarySe UPI and online spends
- About 0.2% back on other spends and other UPI apps
- 1 lounge visit a month after ₹10,000 spend in the previous cycle
- 2% forex fee
- RuPay card that works on UPI
05Pros and Cons
Pros
- No fee
- Lower forex fee than most entry cards
- Monthly lounge visit with a modest spend target
Cons
- Best rate only through SalarySe UPI or online
- Low earn on other UPI apps
- Lounge visit depends on monthly spend
06How CUB SalarySe Level Up Credit Card earns Rewards
0.2% base, up to 1% on UPI payments.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | All merchants in the categoryTerms: 1% on SalarySe UPI and online card spends up to ₹20,000 a month, 2% above it. |
| Online shopping | 0.2% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 1% | No cap | 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 appTerms: Accelerated, 5 SCoins per ₹100 (1%) on SalarySe-UPI and online card spends up to ₹20,000 a month, 10 per ₹100 (2%) above it; not on base categories. Non-salary-day SCoins are capped at 10% of the credit limit a month, counted in SCoins (₹1 lakh limit = 10,000 SCoins, about ₹2,000) |
| Dining and food delivery | 0.2% | No cap | The card's normal rate |
| Groceries | 0.2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.2% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.2% | No cap | The card's normal rate |
| Rent | 0.2% | No cap | The card's normal rate |
| Insurance premiums | 0.2% | No cap | The card's normal rate |
| School and college fees | 0.2% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 0.2% | No cap | The card's normal rate |
| Everything else | 0.2% | No cap | The card's normal rate |
Terms on the base rate. Base 1 SCoin per ₹100 (0.2%) on UPI via any other app, on any payment under ₹2,000 at a small offline merchant (SalarySe UPI too), and on CUB's base categories (rent, railways, insurance, education, telecom, government, bill-pay MCC 6012, tolls, post office). 5 SCoins = ₹1; 18-month expiry
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07CUB SalarySe Level Up Credit Card Travel Benefits
Spending abroad carries a 2% forex markup; rewards on it: 0.2% back (the normal rate). See what it costs on your trip
08CUB SalarySe Level Up Credit Card Eligibility and Documents
- Age
- 18 years and above
- Employment
- Salaried
Documents. PAN card Aadhaar / valid address proof Salary proof, salary slips / salary-account statement
09Recent Changes
What City Union Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 9 Dec 2025 | Changed: CUB SalarySe Level Up launches in Chennai | - | RuPay-on-UPI salary-linked card, live via the SalarySe app |
See this card's change history → · All card changes in December 2025 →
10Cards Similar to CUB SalarySe Level Up Credit Card
CUB SalarySe Level Up Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | CUB SalarySe Level Up Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹999 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹999 + GST |
| Rewards | 0.2% base, up to 1% on UPI payments | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 2% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 28 September 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your CUB SalarySe Level Up Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the card free?
Yes, it is lifetime free with no joining or annual fee.
Where do I earn the higher rate?
On payments through SalarySe UPI and online spends with the card. Other UPI apps earn about 0.2%.
What is the forex fee?
2% on international spends.
What is the joining fee for the CUB SalarySe Level Up Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the CUB SalarySe Level Up Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with City Union Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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