M16S / City Union Bank / City Union CUB SalarySe Level Up (Paid, physical + virtual) Credit Card
entry · cobrand, rewards, upi
City Union CUB SalarySe Level Up (Paid, physical + virtual) Credit Card
The City Union CUB SalarySe Level Up (Paid, physical + virtual) Credit Card costs Rs 500 a year, waived if you spend Rs 2,00,000 in a year. Its base return is 1%. The forex markup is 1%. Lounge visits in India: 12 per year (1 per billing cycle), RuPay lounge programme. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- Rs 2,00,000annual spend
- Base return
- 1%
- Forex markup
- 1%
- Interest
- 3.5%a month
Apply on cityunionbank.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 500 |
|---|---|
| Annual fee | Rs 500 |
| Annual spend that waives the fee | Rs 2,00,000 |
| Fee notes | Rs 500 + GST joining and annual; annual waived on Rs 2 lakh spend. Replacement Rs 300. |
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 37.5 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 5,625 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 | 12 per year (1 per billing cycle), RuPay lounge programme |
|---|---|
| International lounge | None |
| Lounge conditions | One visit unlocked per billing cycle with Rs 10,000+ spend in the previous cycle; pass valid 30 days. |
| Forex markup | 1% |
| 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 (Paid, physical + virtual) Credit Card?
- Rs 500 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
- Does the City Union CUB SalarySe Level Up (Paid, physical + virtual) Credit Card give airport lounge access?
- Yes. In India: 12 per year (1 per billing cycle), RuPay lounge programme. Outside India: none listed. Conditions: One visit unlocked per billing cycle with Rs 10,000+ spend in the previous cycle; pass valid 30 days.
- What is the forex markup on the City Union CUB SalarySe Level Up (Paid, physical + virtual) Credit Card?
- 1% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the City Union CUB SalarySe Level Up (Paid, physical + 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.