RBL SalarySe UP RuPay Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹499
₹0
Up to 3.5
No lounge access
Contents
RBL SalarySe UP is a virtual RuPay credit card built for frequent UPI payers. It rewards SalarySe UPI spends heavily (5x and 10x accelerators) while providing a low annual fee with a clear spend-based waiver. Ideal for salaried users who use UPI as a primary payment method and want seamless, app-first card management.
Features of RBL SalarySe UP RuPay Credit Card which makes it unique
UPI-first Reward Accelerator
Offers accelerated reward points on SalarySe UPI transactions, with higher reward rates on eligible incremental spends beyond a defined monthly threshold, subject to caps and terms.
Higher reward potential for frequent UPI users on SalarySe.
Differentiates itself from most entry-level credit cards by offering structured UPI-focused reward acceleration, which is uncommon in this segment.
Instant Virtual Card Issuance
The card is issued as a 100% virtual credit card immediately after successful KYC, allowing users to start transacting online and via UPI right away.
Immediate access to credit without waiting for a physical card
Unlike many entry-level cards that require physical delivery before use, this card enables day-zero usage, which is rare in the basic salary card segment.
Rewards Structure of RBL SalarySe UP RuPay Credit Card
Online Shopping & E-commerce
baseOnline retail spends on e-commerce websites and mobile apps
Marketplace spends are eligible unless classified under excluded MCCs.
Online Spend Rewards: Ideal for users who frequently shop online for electronics, fashion, and household items.
Dining & Food Delivery
baseSpends at restaurants, cafés, and food delivery platforms
Applies to both dine-in and online food orders.
Dining Rewards: Dining transactions earn standard reward points with no special acceleration.
All Retail Spends
baseAll eligible retail transactions (online & offline), excluding fuel, cash advance, EMI conversions, wallet loads, and government payments
Reward points are credited for regular retail purchases. Certain merchant categories may be excluded as per RBL Bank reward policy.
Base Reward Rate: This is the standard reward rate applicable on most card spends. Reward points earned can be redeemed through RBL Bank’s rewards catalogue or partner platforms, subject to redemption terms and minimum thresholds.
UPI Merchant Payments (RuPay)
baseUPI transactions made using RuPay Credit Card at eligible merchant QR codes (P2M only)
Applicable only on merchant UPI payments. Person-to-person (P2P) transfers are excluded.
UPI Credit Card Rewards: Rewards are earned when using the RuPay Credit Card via UPI at supported merchant QR codes in India.
Milestones of RBL SalarySe UP RuPay Credit Card
Annual Fee Waiver
₹2,00,000 : Next year annual fee (₹499) waived; certain MCC categories excluded from qualifying spend.
Spend-Based Fee Waiver: The annual fee is waived if total eligible retail spends reach ₹2,00,000 within the card anniversary year. Excluded categories such as fuel, cash advances, EMI conversions, wallet loads, and government payments are not counted towards the waiver.
Quarterly Spend Reward
₹50,000 : 1,000 Bonus Reward Points
Quarterly Spend Bonus: Bonus reward points are credited after the end of the qualifying quarter. Only eligible retail transactions are considered.
Half-Year Spend Benefit
₹1,00,000 : ₹500 Reward Voucher / Equivalent Reward Points
Mid-Year Spending Benefit: Voucher or reward points are issued after spend validation. Excluded categories do not count towards milestone spends.
Annual Spend Bonus
₹3,00,000 : 2,500 Bonus Reward Points
High Spender Bonus: This milestone is over and above the annual fee waiver benefit. Rewards are credited within the next billing cycle after eligibility is met.
Fees & Charges of RBL SalarySe UP RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹499+ GST |
| Forex Markup Fee | Up to 3.5Up to 3.5 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 12.50% |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 2.50% |
Renewal Conditions:Annual fee waived on ₹2,00,000+ qualifying annual spend (select MCCs excluded).
Fee Explanation Standard bank charges and GST apply on all fees; exclusions apply for fee-waiver calculation (specified MCCs).
Detailed Explanation of RBL SalarySe UP RuPay Credit Card Fees
Forex Fee: 3.5% of transaction value + GST (Per international transaction)
Applicable on all transactions made in a foreign currency or on international merchant websites. Charged on both online and offline international spends. Exchange rate is determined by the card network on the settlement date.
International Transaction Charges: This fee is levied when the transaction currency is not INR. GST is charged only on the markup portion. Forex fees increase the effective cost of international spends, making the card less suitable for frequent overseas usage.
Annual Fee: ₹499 + GST (yearly)
Waived on qualifying annual spends of ₹2,00,000 (select MCC categories excluded).
Annual Fee Waiver: The annual fee is charged from the second year onwards and can be waived if the spend threshold is met within the previous card year.
Cash Advance Fee: 2.5% (min ₹500) (Per transaction)
Standard cash withdrawal charge; interest applies from withdrawal date.
ATM Cash Withdrawal Charges: Cash advances attract high fees and immediate interest, making them costly compared to regular purchases.
Joining Fee: NIL (one-time)
No joining fee is charged at the time of card issuance or activation.
No Joining Fee: The RBL SalarySe UP RuPay Credit Card comes with zero joining fee, making it cost-effective for first-time and salaried credit card users.
Additional Features of RBL SalarySe UP RuPay Credit Card
Interest-Free Credit Period
Up to 50 days interest-free on retail purchases
Applicable only if the total outstanding amount is paid in full by the due date.
Interest-Free Window: Helps manage short-term expenses efficiently when bills are cleared on time.
Virtual-only Card
100% virtual credit card; no physical card issued.
Card details are accessible via the RBL Bank app or partner platform. Physical card is not provided.
Digital-First Credit Card: This card is issued as a virtual card, making it suitable for online transactions and UPI usage without the need for a physical card.
RuPay Credit Card on UPI
Link credit card to UPI and make scan-and-pay merchant payments
Applicable only on RuPay-enabled merchant QR codes. Person-to-person (P2P) transfers are not allowed.
UPI Credit Card Payments: Allows users to make UPI payments directly from the credit card, combining credit benefits with UPI convenience.
Welcome Bonus with RBL SalarySe UP RuPay Credit Card
Welcome Bonus: 2,500 Reward Points
Bonus Conditions: 2500 reward points credited after first transaction ≥ ₹500 within 30 days. Additional 1,500 points on ₹30,000 spend within first 3 months. Extra 2,000 points on 15 successful UPI transactions (each ≥ ₹500) within first 30 days. Points credited within 60 days; refer to T&C for exclusions.
Application Process for RBL SalarySe UP RuPay Credit Card
Processing Time
Instant virtual issuance (subject to KYC); verification up to 7 working days.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply via SalarySe app or RBL Bank channel
Online Application: Apply digitally through the SalarySe app or RBL Bank’s official online channels. Ensure your personal and employment details are entered correctly to avoid delays.
Complete KYC and link mobile number
KYC Verification: Complete Aadhaar-based or Video KYC and link your registered mobile number. Successful KYC is mandatory for card approval and activation.
Link the card to supported UPI apps and generate UPI PIN
UPI Setup: Once approved, add the RuPay credit card to a supported UPI app and set your UPI PIN to start making merchant payments.
Start using the virtual card instantly; rewards credited per T&C
Instant Usage: Use the virtual credit card immediately for online and UPI transactions. Reward points are credited as per applicable terms and conditions.
Required Documents for RBL SalarySe UP RuPay Credit Card
ID Proof
All applicantsAccepted documents:
Identity Verification: A valid PAN card is mandatory as per RBI guidelines. Aadhaar is used for identity verification and digital KYC.
Address Proof
All applicantsAccepted documents:
Address Verification: Address proof is required to confirm the applicant’s current residential address. The document should be recent and clearly readable.
Income Proof
Salaried applicantsAccepted documents:
Income Eligibility: Income documents are required to assess repayment capacity. Digital bank statements or recent salary slips are generally accepted.
Photograph / Selfie
All applicantsAccepted documents:
Digital Verification: A live selfie may be required during video or app-based KYC for identity confirmation.
RBL SalarySe UP RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India where RuPay is accepted (excellent for domestic UPI/online use).
International Acceptance
Limited — depends on merchant support for RuPay internationally (not universally accepted abroad).
Online Acceptance
Yes virtual card usable for online and UPI payments on supported apps.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL SalarySe UP RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required for KYC; virtual card accessed via SalarySe / RBL MyCard app.
How Approval Is Decided
- Indian resident
- Minimum age 18
- Valid PAN and Aadhaar
- KYC verification via app
Pros of RBL SalarySe UP RuPay Credit Card
- Virtual issuance instant use and easy controlDigital-Only Convenience: 100% virtual card allows immediate usage, better security, and easy management through the app.
- Excellent reward rates for SalarySe UPI usersUPI-First Rewards: Designed for users who primarily spend via UPI. Rewards are earned on eligible RuPay credit card UPI merchant payments.
- Very low fee with clear waiver conditionAffordable Pricing: Annual fee of ₹499 can be easily waived on ₹2,00,000 yearly spends, making the card cost-effective.
Cons of RBL SalarySe UP RuPay Credit Card
- No physical card (some use-cases prefer physical)Virtual-Only Limitation: Users who prefer a physical card for offline usage or emergencies may find this restrictive.
- Rewards capped monthly for accelerated pointsReward Limitations: Bonus or accelerated rewards (where applicable) may have monthly caps, limiting value for heavy spenders.
- Limited value outside UPI / SalarySe ecosystemNarrow Use Case: Benefits are best realised through UPI and basic retail spends. Not ideal for travel, luxury, or premium reward seekers.
Frequently Asked Questions about RBL SalarySe UP RuPay Credit Card
Is there a joining or annual fee?
There is no joining fee. An annual fee of ₹499 + GST is applicable from the second year onwards but is waived on spending ₹2,00,000 in a card anniversary year (eligible categories only).
GST is applicable on the annual fee. Excluded merchant categories do not count towards the waiver spend.How do I get the welcome benefit?
Make a minimum eligible transaction within the first 30 days of card issuance to receive the welcome benefit, as applicable. The benefit is credited after transaction settlement, subject to T&Cs.
Welcome benefits may vary or be available only during select campaigns.What is the earn rate on UPI via SalarySe?
You earn reward points on eligible RuPay credit card UPI merchant transactions. Reward rate and any caps are applicable as per current reward terms.
Person-to-person (P2P) UPI transfers are not eligible for rewards.Can I use this card for UPI payments?
Yes. You can link the RuPay credit card to supported UPI apps and make merchant payments by scanning QR codes.
UPI credit card usage is allowed only at merchant QR codes, not for personal transfers.Is the card physical or virtual?
The card is issued as a 100% virtual credit card. No physical card is provided.
The virtual card can be used for online payments and UPI transactions.Who is eligible to apply for this card?
The card is available to resident Indian salaried individuals, typically aged 21–60 years, subject to income, employer category, and credit assessment.
Meeting eligibility criteria does not guarantee approval.Are fuel transactions eligible for rewards?
Fuel transactions do not earn reward points, but a 1% fuel surcharge waiver may apply, subject to monthly caps.
GST on fuel surcharge is not waived.Does this card provide airport lounge access?
No. The RBL SalarySe UP RuPay Credit Card does not offer domestic or international airport lounge access.
This is a basic, non-travel credit card.Add Your Review
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