M16S / City Union Bank / City Union CUB SalarySe Level Up (Lifetime Free, virtual) Credit Card
entry · cobrand, rewards, upi, lifetime-free
City Union CUB SalarySe Level Up (Lifetime Free, virtual) Credit Card
The City Union CUB SalarySe Level Up (Lifetime Free, virtual) Credit Card charges no annual fee and no joining fee. Its base return is 1%. The forex markup is 2%. It lists no airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 2%
- Interest
- 3.5%a month
Apply on cityunionbank.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Virtual-only card. Card replacement Rs 0; limit enhancement Rs 200 per occasion. |
Rewards
| Reward currency | SalarySe SCoins |
|---|---|
| Base earn | 5 SCoins per Rs 100 on SalarySe UPI, online and in-store card spends up to Rs 20,000 a month; 1 SCoin per Rs 100 on base categories and UPI via other apps |
| Base return | 1% |
| Point value | 5 SCoins = Rs 1 (Rs 0.20 each); gift vouchers or cash conversion in SalarySe app |
| Accelerated earn | 10 SCoins per Rs 100 on eligible spends above Rs 20,000 in a billing cycle; SalaryDay Bonus 25 SCoins per Rs 100 via SalarySe UPI on the 1st and last day of the month |
| Caps | Base + accelerated + super-accelerated SCoins capped at 10% of credit limit per month. SalaryDay Bonus needs Rs 5,000 non-bonus-day spend, eligible spend capped at Rs 15,000 per cycle (max 3,750 SCoins) and sits outside the cap. |
| Spends that earn nothing | No SCoins: cash (MCC 6010, 6011), wallets (6540), fuel and auto, quasi-cash, gambling, jewellery, and transactions under Rs 2,000 at small offline merchants. Rent, railways, insurance, education, telecom, government and UPI via non-SalarySe apps earn only the base 1 SCoin per Rs 100. |
| Points expiry | 18 months from earning |
| Reward notes | base_return_pct = 5 SCoins / Rs 100 x Rs 0.20 on standard card and SalarySe UPI spends; 2% above Rs 20,000 a month; 0.2% on base categories. SCoins credit after statement generation. |
Travel and perks
| Domestic lounge | None (lounge benefit is for the physical card) |
|---|---|
| International lounge | None |
| Forex markup | 2% |
| Fuel surcharge waiver | 1% waiver on Rs 400-3,000 fuel txns, cap Rs 300 per statement cycle |
Charges and eligibility
| Interest per month | 3.5% |
|---|---|
| Late payment fee | Rs 350 if outstanding up to Rs 25,000; Rs 450 above Rs 25,000 |
| Cash advance fee | India: 3% or Rs 250, whichever is higher; abroad: 3.5% or Rs 1,000, whichever is higher |
| Fine-print notes | Fine print (MITC V6): 1% fee on rent and wallet loads; 1% on utilities once Rs 25,000 per cycle; 1% on fuel once Rs 50,000 per cycle; 1% on online gaming once Rs 10,000 per cycle; over-limit 3% or Rs 250; add-on Rs 500; EMI at 16% reducing with 2% processing fee. Network is not named in the documents; the lounge list and programme are RuPay. SalarySe is an employer-linked (salaried) programme; eligibility criteria are not published on the pages read. |
Questions
- What is the annual fee of the City Union CUB SalarySe Level Up (Lifetime Free, virtual) Credit Card?
- No annual fee.
- Does the City Union CUB SalarySe Level Up (Lifetime Free, virtual) Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the City Union CUB SalarySe Level Up (Lifetime Free, virtual) Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the City Union CUB SalarySe Level Up (Lifetime Free, virtual) Credit Card?
- No SCoins: cash (MCC 6010, 6011), wallets (6540), fuel and auto, quasi-cash, gambling, jewellery, and transactions under Rs 2,000 at small offline merchants. Rent, railways, insurance, education, telecom, government and UPI via non-SalarySe apps earn only the base 1 SCoin per Rs 100.