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City Union Bank · RuPay · हिन्दी

CUB SalarySe Level UP Credit Card: full review

CUB Level UP is one of the more genuinely useful SalarySe-partnership cards, largely because of real lounge access at a low fee - something its RBL sibling does not offer at all. The advertised 37.5% reward figure is a marketing headline more than a practical rate, so judge this card on its real 1-2% SalarySe UPI rates and the lounge access, not the eye-catching number.

Apply now ↗Annual fee: ₹500 + GST joining and renewal
Last updated: September 2026 · Current terms verified
CITY UNION BANK
RuPay
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CUB SALARYSE LEVEL
ASHOK KUMAR
12/28
₹500 + GST joining and renewal (renewal waived on ₹2,00,000 annual spend); a lifetime-free virtual-only variant is also available with reduced benefitsAnnual fee
1 RP per ₹100 on non-SalarySe UPI apps (0.2% at 5 SCoins = ₹1); 5 RP per ₹100 on SalarySe UPI, online and offline spends up to ₹20,000/month (1%); 10 RP per ₹100 above ₹20,000/month (2%); a Salary Day Bonus of 25 RP per ₹100 (about 7.5% effective) on SalarySe UPI spends on the 1st and last day of the month only, capped at 5,625 points/month on the physical card or 3,750 on virtualReward structure
12 domestic visits/year, unlocked monthly on ₹10,000+ spend in the previous billing cycle - physical variant only, not available on the lifetime-free virtual-only cardLounge access

Key benefits of the CUB SalarySe Level UP Credit Card

1 RP per ₹100 on non-SalarySe UPI spends5 RP per ₹100 on SalarySe UPI, online and offline spends up to ₹20,000/month10 RP per ₹100 on spends above ₹20,000/monthSalary Day Bonus of 25 RP per ₹100 on the 1st and last day of the month12 complimentary domestic lounge visits/year on the physical cardChoice of a paid physical+virtual card or a lifetime-free virtual-only cardSCoins redeemable for 250+ brand gift cards or cash conversion via the SalarySe app
Apply now ↗ Min. income: Not publicly specified; eligibility appears to run through employer-linked payroll verification rather than a published income floor · Credit score: Not publicly specified
Pros and cons
Pros
✓ Meaningful lounge access at an accessible ₹500 fee, rare at this price point
✓ Real accelerated rewards for SalarySe UPI users, including a strong salary-day bonus
✓ Flexible: choose the free virtual-only card or pay for the fuller physical version
✓ Reasonably low forex markup on the physical variant
Cons
✗ The headline 37.5% Salary Day figure is misleading marketing - it works out to about 7.5% effective, only on 2 days a month, only via SalarySe UPI
✗ Lounge access and the better 1% forex rate are both physical-card only, not on the free virtual variant
✗ Broad category exclusions apply, consistent with other SalarySe-partnership cards
✗ No income or credit score criteria published specifically for this card
Quick facts
Issuer City Union Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + GST joining and renewal (renewal waived on ₹2,00,000 annual spend); a lifetime-free virtual-only variant is also available with reduced benefits
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 domestic visits/year, unlocked monthly on ₹10,000+ spend in the previous billing cycle - physical variant only, not available on the lifetime-free virtual-only card
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1% on the physical variant; 2% on the lifetime-free virtual-only variant
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified; eligibility appears to run through employer-linked payroll verification rather than a published income floor
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceCity Union Bank's published card terms and official card page · Last updated September 2026
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Frequently asked questions
The annual fee for CUB SalarySe Level UP Credit Card is ₹500 + GST joining and renewal (renewal waived on ₹2,00,000 annual spend); a lifetime-free virtual-only variant is also available with reduced benefits. The joining fee is ₹500.
The main benefits of the CUB SalarySe Level UP Credit Card are: 1 RP per ₹100 on non-SalarySe UPI spends; 5 RP per ₹100 on SalarySe UPI, online and offline spends up to ₹20,000/month; 10 RP per ₹100 on spends above ₹20,000/month; Salary Day Bonus of 25 RP per ₹100 on the 1st and last day of the month; 12 complimentary domestic lounge visits/year on the physical card; Choice of a paid physical+virtual card or a lifetime-free virtual-only card; SCoins redeemable for 250+ brand gift cards or cash conversion via the SalarySe app.
1 RP per ₹100 on non-SalarySe UPI apps (0.2% at 5 SCoins = ₹1); 5 RP per ₹100 on SalarySe UPI, online and offline spends up to ₹20,000/month (1%); 10 RP per ₹100 above ₹20,000/month (2%); a Salary Day Bonus of 25 RP per ₹100 (about 7.5% effective) on SalarySe UPI spends on the 1st and last day of the month only, capped at 5,625 points/month on the physical card or 3,750 on virtual
CUB SalarySe Level UP Credit Card is best for Salaried, UPI-heavy spenders wanting lounge access and the strongest rewards around salary days. CUB Level UP is one of the more genuinely useful SalarySe-partnership cards, largely because of real lounge access at a low fee - something its RBL sibling does not offer at all. The advertised 37.5% reward figure is a marketing headline more than a practical rate, so judge this card on its real 1-2% SalarySe UPI rates and the lounge access, not the eye-catching number.
The minimum income requirement for CUB SalarySe Level UP Credit Card is Not publicly specified; eligibility appears to run through employer-linked payroll verification rather than a published income floor. The bank does not publish a minimum credit score.
Yes, CUB SalarySe Level UP Credit Card offers 12 domestic visits/year, unlocked monthly on ₹10,000+ spend in the previous billing cycle - physical variant only, not available on the lifetime-free virtual-only card.
CUB SalarySe Level UP Credit Card charges a 1% on the physical variant; 2% on the lifetime-free virtual-only variant foreign currency markup on international transactions. This is higher than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Cashback Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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CUB SalarySe Level UP₹500 + GST joining and renewal
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