CUB SalarySe Level UP Credit Card
Rs 500Annual fee
Rs 2,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 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.
1%Forex markup
Best for
salary, upi, online, lounge, low forex
Top rewards
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
PhonePe HDFC Bank Ultimo Credit Card
Rs 999Annual fee
Rs 2,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge access visits per quarter on spending Rs 75,000 or more in the previous calendar quarter
3.5%Forex markup
Best for
phonepe, upi, utilities, online shopping, lounge
Top rewards
Select PhonePe transactions (recharges, utilities, bill payments, and travel): 10 Reward Points / Rs 100 spent; Select online brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 5 Reward Points / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent
| Feature | CUB SalarySe Level UP Credit Card | PhonePe HDFC Bank Ultimo Credit Card |
|---|---|---|
| Issuer | City Union Bank | HDFC Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 500 | Rs 999 |
| Annual fee | Rs 500 | Rs 999 |
| Fee waiver spend | Rs 2,00,000 | Rs 2,00,000 |
| Reward type | SalarySe SCoins | reward points |
| Best for | salary, upi, online, lounge, low forex | phonepe, upi, utilities, online shopping, lounge |
| Top reward categories | 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 | Select PhonePe transactions (recharges, utilities, bill payments, and travel): 10 Reward Points / Rs 100 spent; Select online brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 5 Reward Points / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 12 | 8 |
| International lounge | 0 | 0 |
| Forex markup | 1% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Not listed | Statement credit: upto Rs 1 per point |
| Key exclusions | Cash withdrawal transactions, Wallet and service provider transactions, Fuel and auto transactions, Quasi-cash transactions, Gambling transactions, Jewellery transactions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Education payments |