In-depth review
RBL Bank SalarySe UP Credit Card
A 100% virtual RuPay-on-UPI card built with the SalarySe app, earning 5X reward points (about 1.00% at RBL's stated ₹0.20 per point) on UPI spends routed through the app and a 10X tier on incremental spend. Genuinely useful for UPI-first users — but the rich rates are capped, the card is virtual-only, and it is not the lifetime-free card its app marketing can imply.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,200 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
5 points/₹100 on Online Shopping (~1% value)
5X (5 points per ₹100, ~1.00% at RBL's stated ₹0.20 per point in the SalarySe app) on UPI spends through the app, capped 1,000 points/month; a 10X tier applies on incremental UPI above ₹20,000/month (capped 8,000 points); UPI through other apps earns the 1X base
0.2% on Other
1 reward point per ₹100 (~0.20%) on eligible online and offline spends, including UPI through apps other than SalarySe; offline UPI under ₹2,000 at small merchants earns nothing
Annual Fee Waiver
Fee of ₹499 + 18% GST (₹589 all-in)/yr fully waived when you spend ₹2,00,000/year
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
For UPI-heavy spenders comfortable with a virtual-only card who will route payments through the SalarySe app to earn the 5X and 10X point tiers, and who can clear ₹2 lakh a year to waive the fee.
Full reward structure
What you earn on every rupee, per spend category — as of 28 Sept 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shoppingonly at UPI spends via the SalarySe app | reward points | 1%5 pts/₹100 × ₹0.20 | ₹200 |
| Other | reward points | 0.2%1 pts/₹100 × ₹0.20 | — |
Online Shopping: 5X (5 points per ₹100, ~1.00% at RBL's stated ₹0.20 per point in the SalarySe app) on UPI spends through the app, capped 1,000 points/month; a 10X tier applies on incremental UPI above ₹20,000/month (capped 8,000 points); UPI through other apps earns the 1X base · UPI spends via the SalarySe app
Other: 1 reward point per ₹100 (~0.20%) on eligible online and offline spends, including UPI through apps other than SalarySe; offline UPI under ₹2,000 at small merchants earns nothing
Earns nothing on: Fuel · Utility Bills · Insurance · Rent · Education · Wallet Loads · Government & Tax · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 28 Sept 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
Should you get it?
- Best for: UPI-first spenders who route payments through the SalarySe app, Salaried users comfortable with a virtual-only credit card
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on everyday spends (0.2% back; 1% only at UPI spends via the SalarySe app).
Pros & cons
✓ Pros
- 5X reward points (~1.00%) on UPI spends via the SalarySe app
- 10X tier on incremental UPI spends above ₹20,000 a month
- RuPay-on-UPI — scan-and-pay from your phone with no physical card
- Layered one-time welcome bonus worth up to 6,000 points across first-purchase and spend milestones
- Redeeming inside the SalarySe app carries no redemption fee
✕ Cons
- Both accelerated tiers are capped — 1,000 points/month on 5X, 8,000 on 10X
- The 10X tier applies only to UPI spend above ₹20,000 in a month, and only through the SalarySe app — the first ₹20,000 still earns 5X, so our modelling credits the 5X tier only
- Points redeem at ₹0.20 in the SalarySe app, so 5X is about 1.00% — RBL's own rewards portal values a point at only ₹0.10 and charges ₹99 + GST per redemption day
- Fuel, utilities, insurance, rent, education, wallets, government services and cash earn no points
- UPI through apps other than SalarySe earns only the 1-point base, and offline UPI under ₹2,000 at small merchants earns nothing
- Fully virtual card — no physical plastic issued
- ₹499 fee waives only at ₹2 lakh of annual spend; not lifetime-free despite app marketing
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points within the SalarySe app (no redemption fee)
- 🎁Redeem via the RBL rewards portal (₹0.10 a point, ₹99 + GST fee per redemption day)
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The rich rates are capped (1,000 points/month on 5X, 8,000 on 10X) and require routing UPI through the SalarySe app; points redeem at ₹0.20 in the app, so 5X is about 1.00% rather than the headline multiplier suggests; the card is virtual-only, and the ₹499 fee waives only at ₹2 lakh — not the lifetime-free card its app marketing can imply.
Frequently asked questions
Is the SalarySe UP a lifetime-free card?
How do I earn the 5X reward points?
What is a SalarySe UP reward point worth?
Is there a physical card?
What is the 10X benefit?
Which spends earn no reward points?
How has the RBL Bank SalarySe UP Credit Card changed over time?
Has the RBL Bank SalarySe UP Credit Card been devalued recently?
When did the RBL Bank SalarySe UP Credit Card's fees last change?
The bottom line
A genuinely useful card for UPI-first users — 5X on app UPI spends (about 1.00% at RBL's stated ₹0.20 per point) is competitive for a RuPay entry card, and the 10X incremental tier rewards heavy spenders. The catches are the point caps, the fully virtual format, and a ₹499 fee that only waives at ₹2 lakh.
How this page was built
Counted from this card’s own record: 2 earn rules, 1 of them capped, 1 paid only at named merchants and the spends listed as earning nothing. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 28 Sept 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank SalarySe UP Credit Card are taken from RBL Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 28 Sept 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change Jan 2026
2026
- ▼ FeeObserved Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee→1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2024
- ◆ LaunchEffective 2024
RBL SalarySe UP launched as a virtual RuPay-on-UPI card
RBL Bank, in partnership with the SalarySe app (Critical Path Technologies), launched the SalarySe UP as a 100% virtual RuPay-on-UPI credit card for UPI-first spenders. It earns 1 reward point per ₹100 on eligible spends and 5X (capped 1,000 points/month) on UPI routed through the SalarySe app, plus a 10X tier on incremental UPI above ₹20,000/month (capped 8,000 points); joining and annual fee ₹499 (waived at ₹2 lakh of annual spend), with a layered welcome benefit worth up to ~6,000 points. No physical card is issued. The exact launch date is undocumented — the card rode RBL's Aug-2024 RuPay-on-UPI push and was reviewed as newly launched by early January 2025.
Verification: RBL Bank ↗ · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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