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
IDFC FIRST Power+ Credit Card
Rs 499Annual fee
Rs 1,50,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic airport lounge visit per quarter, subject to a minimum spend of Rs 20,000 in the previous calendar month.
3.5%Forex markup
Best for
fuel, hpcl, upi, grocery, lounge
Top rewards
HPCL Fuel spends: 30 Reward Points per INR 150 spent; Grocery and utility bills spends: 30 Reward Points per INR 150 spent; Other retail and UPI spends: 3 Reward Points per INR 150 spent
| Feature | CUB SalarySe Level UP Credit Card | IDFC FIRST Power+ Credit Card |
|---|---|---|
| Issuer | City Union Bank | IDFC FIRST Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 2,00,000 | Rs 1,50,000 |
| Reward type | SalarySe SCoins | reward points |
| Best for | salary, upi, online, lounge, low forex | fuel, hpcl, upi, grocery, 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 | HPCL Fuel spends: 30 Reward Points per INR 150 spent; Grocery and utility bills spends: 30 Reward Points per INR 150 spent; Other retail and UPI spends: 3 Reward Points per INR 150 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 12 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 1% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Not listed | Statement credit: upto Rs 0.25 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 at non-HPCL stations, EMI transactions, Cash withdrawal / cash advance transactions |