RBL Bank
RBL Bank SalarySe UP Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1% points
Foreign Markup
3.5%
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
Category Rewards
Specialty
10X RP on incremental UPI ₹20K+ /month
10X
Fee Waiver
Renewal fee is waived if the cardholder spends ₹2 Lakh or more in the previous year.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
SalarySe Platform
5X RP on eligible UPI on SalarySe Platform(Cap ₹200/mo)
Reward Calculator
Earns ₹1,320/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
6.6K
RBL/SalarySe Reward Points
₹1.3K
via standard · ₹0.2/pt
Effective rate
0.69%
Annual fee
FREE
Year 1 net
+₹1,320
Year 2+ net
+₹1,320
ongoing
Adjust your spend by reward bucket
3 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
5X RP on eligible UPI on SalarySe Platform
Headline: 1.00% effective
₹200/month ÷ 1.00% = ₹20,000 eligible spend/month
10X RP on incremental UPI ₹20K+ /month
Headline: 2.00% effective
₹1,600/month ÷ 2.00% = ₹80,000 eligible spend/month
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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.
- 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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Renewal fee is waived if the cardholder spends ₹2 Lakh or more in the previous year.