SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for salary, UPI, and online.
Why it can work
It combines complimentary airport lounge access, a low 1% forex markup, and accelerated rewards on salaryse UPI, online, and eligible card spends above rs 20,000 per billing cycle.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Fuel and wallet loads don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many SalarySe SCoins you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | SalarySe SCoins/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 9,000 |
| UPI payments | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 4,800 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for SalarySe UPI, Online, And Eligible Card Spends Above Rs 20,000 Per Billing Cycle
10 SCoins / Rs 100 on spends above Rs 20,000
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1% forex markup keeps overseas and forex transactions cheaper.
Avoid if you spend big on fuel and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| SalarySe UPI, online, and eligible card spends up to Rs 20,000 per billing cycle | 5 SCoins / Rs 100 |
| SalarySe UPI, online, and eligible card spends above Rs 20,000 per billing cycle | 10 SCoins / Rs 100 on spends above Rs 20,000 |
| Online checkout using Level UP card details up to Rs 20,000 per billing cycle | 5 SCoins / Rs 100 |
| Online checkout using Level UP card details above Rs 20,000 per billing cycle | 10 SCoins / Rs 100 on spends above Rs 20,000 |
| Base categories and non-SalarySe UPI spends | 1 SCoin / Rs 100 |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 1 domestic lounge access is unlocked on spending Rs 10,000 or more in the previous billing cycle.
- Unlocked lounge access is credited after the monthly bill is generated and remains valid for 30 days.
- Lounge access follows the RuPay Card airport lounge programme and applies on the physical card.
Exclusions
Categories that earn no rewards on this card.
- Cash withdrawal transactions
- Wallet and service provider transactions
- Fuel and auto transactions
- Quasi-cash transactions
- Gambling transactions
- Jewellery transactions
- Spends eligible for SalaryDay Bonus do not also earn accelerated or super accelerated rewards
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- SalaryDay Bonus offers up to 37.5 SCoins / Rs 100 on eligible SalarySe UPI spends on the 1st and last day of the month
- Virtual-only lifetime-free variant is available for digital-first users
- 1% fuel surcharge waiver on eligible fuel purchases of Rs 400 to Rs 3,000, capped at Rs 300 per statement cycle
Additional details
- SalaryDay Bonus requires at least Rs 5,000 spend on non-SalaryDay Bonus days and is capped at Rs 15,000 eligible SalaryDay spend per billing cycle.
- The overall monthly rewards cap for base + accelerated + super accelerated rewards is 10% of the card's credit limit.
- SalaryDay Bonus is over and above this cap.
- Paid physical card variant has 1% forex markup; virtual-only lifetime-free variant has 2% forex markup.
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 60 years
- Salary credit and employer/profile eligibility are assessed inside the SalarySe app
- Subject to City Union Bank credit assessment and approved credit limit
Self-employed
- This card is positioned for salaried professionals rather than self-employed applicants
- Any non-salaried eligibility, if offered, is assessed inside the SalarySe app
- Subject to City Union Bank credit assessment and approved credit limit
Compare before you decide
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