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SalarySe Level UP Credit Card
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SalarySe Level UP Credit Card

Joining Fee₹500
Annual Fee₹500
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Salaried professionals wanting up to 10% valueback on UPI spends via SCoins, 12 domestic airport lounge visits (1 per month), and RuPay UPI support.

Who Should Avoid

Self-employed individuals or those unable to meet the ₹10,000 monthly spend threshold for lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Bonus SCoins credited upon linking salary account via SalarySe and first UPI transaction

Up to 10% Valueback in SCoins on UPI

Earn 5 SCoins per ₹100 on monthly spends up to ₹20,000 and 10 SCoins per ₹100 on spends beyond that on online checkout and UPI.

12 Domestic Lounge Visits Annually (1/month)

1 complimentary domestic airport lounge visit every month (up to 12 visits/year) on minimum ₹10,000 spend in preceding billing cycle.

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹500 is waived off on spending ₹50,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 SCoins = ₹1
Standard Base Earning
1 SCoin per ₹100 spent on other retail purchases (1.0% return)
Accelerated / Partner Rate
5 SCoins per ₹100 (5.0% return; 1 SCoin = ₹1.00) on monthly spends up to ₹20,000; 10 SCoins per ₹100 (10.0% return) on monthly spends above ₹20,000 on online checkouts and RuPay UPI scan-and-pay
Points Validity:12 Months
Redemption Fee: ₹0 (Free)
Redemption Modes: Direct Bank Transfer via SalarySe App (1 SCoin = ₹1.00), Statement Credit & Partner Vouchers
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits1 complimentary domestic airport lounge visit per month (12 visits/year)
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Requires minimum retail spend of ₹10,000 in the previous billing cycle

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr
Annual renewal fee of ₹500 is waived off on spending ₹50,000 or more in the previous anniversary year
UPI Payments Support✓ Supported (RuPay)
5 to 10 SCoins per ₹100 on eligible merchant RuPay UPI QR transactions
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment Typesalaried

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,200
Official Bank Portal Application

Get the SalarySe Level UP Credit Card

Annual Fee: ₹500/yr (Waivable)

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🔍 Related Credit Card Collections

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Frequently Asked Questions

No, SalarySe Level UP Credit Card has a joining fee of ₹500 and an annual renewal fee of ₹500 (plus applicable taxes).