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 ₹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 ₹20,000 Per Billing Cycle: 5 SCoins / ₹100; SalarySe UPI, Online, And Eligible Card Spends Above ₹20,000 Per Billing Cycle: 10 SCoins / ₹100 on spends above ₹20,000; Online Checkout Using Level UP Card Details Up To ₹20,000 Per Billing Cycle: 5 SCoins / ₹100
PhonePe 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 ₹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 / ₹100 spent; Select Online Brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, And Uber): 5 Reward Points / ₹100 spent; UPI Scan & Pay Transactions: 1 Reward Point / ₹100 spent
| Feature | CUB SalarySe Level UP Credit Card | PhonePe 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 | Cashback And 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 ₹20,000 Per Billing Cycle: 5 SCoins / ₹100; SalarySe UPI, Online, And Eligible Card Spends Above ₹20,000 Per Billing Cycle: 10 SCoins / ₹100 on spends above ₹20,000; Online Checkout Using Level UP Card Details Up To ₹20,000 Per Billing Cycle: 5 SCoins / ₹100 | Select PhonePe Transactions (recharges, Utilities, Bill Payments, And Travel): 10 Reward Points / ₹100 spent; Select Online Brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, And Uber): 5 Reward Points / ₹100 spent; UPI Scan & Pay Transactions: 1 Reward Point / ₹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 ₹ 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 |