RBL Bank
RBL Bank SalarySe UP Credit Card
rupayclassiccreditshoppingonline
Annual Fee
₹499
Base Reward
1% points
Foreign Markup
3.5%
4.2/5
Welcome Benefits
Earn up to 2,500 Reward Points after the first transaction.
Product Highlights
- 100% virtual credit card
- Easy linking to UPI apps
- Earn up to 10X points on UPI transactions
Fee Waiver
Renewal fee is waived if the cardholder spends ₹2 Lakh or more in the previous year.
Rewards Details
Earn 1 Reward Point for every ₹100 spent on eligible purchases; 5X Reward Points for every ₹100 spent on UPI transactions; 10X Reward Points for every ₹100 spent on UPI transactions over ₹20,000.
Reward Points — Redemption Value
- 1 RP = ₹0.10 against statement.
Benefits & Features
Earn additional 1,500 Reward Points for spending ₹30,000 in the first three months.
Pros & Cons
Pros
- Easily link the card to UPI for quick payments.
- Spend ₹2 lakh or more in a year to get the renewal fee waived.
Cons
- There are no benefits on dining, entertainment, travel, etc.
- The forex markup fee is relatively high.
Additional Info
Monthly cap of 1,000 Reward Points for accelerated earnings.
Excluded Categories
fuelutilitiesinsurancerailwaysrentaleducationwallet/service providersgovernment servicescontracted servicesmiscellaneousbills2paycashEMI conversions
Fees & Charges
Annual Fee₹499
Joining Fee₹499 + GST
Fee WaiverRenewal fee is waived if the cardholder spends ₹2 Lakh or more in the previous year.
Foreign Markup3.5%
Interest Rate3.99% per month
Cash Advance2.5% of the cash amount withdrawal (min. ₹500)
Redemption Fee₹99 + GST
Eligibility
Networks
rupay
Fee Waiver
Renewal fee is waived if the cardholder spends ₹2 Lakh or more in the previous year.