RBL Bank SalarySe UP Credit Card

Name: RBL Bank SalarySe UP Credit Card
Brand: RBL Bank

WalletWalk Rating

Best for UPI based rewards

Last updated: 23-Aug-2025

Overview

The RBL Bank SalarySe UP Credit Card is a 100% virtual RuPay credit card that rewards your online, offline, and UPI spends—especially when done via the SalarySe app.

Pros

↑Up to 10X RP on eligible UPI spends via SalarySe app
↑Welcome bonus of 5,000 RP

Cons

↓Reward point value is low (₹0.20 per point on SalarySe App)
↓Reward caps apply on accelerated UPI points (8,000/month for 10X)

Key Highlights

Welcome Offer
Earn 2,500 RP on first ₹500 txn + 2,000 RP on 15 UPI txns + 1,500 RP on ₹30K spends in 90 days
Earn up to 6,000 RP: 2,500 on first ₹500 spend, 2,000 on 15 UPI txns of ₹500, and 1,500 on ₹30,000 spend in 90 days

Reward Rate
1 RP / ₹100 + 5X - 10X RP on eligible spends
10X RP on incremental UPI spends beyond ₹20,000 / month
5X RP on UPI spends via SalarySe App
1 RP / ₹100 on eligible offline / online spends

Minimum Salary
₹1L - ₹3L

Joining Fee
₹499+ GST

Annual Fee
₹499+ GST
Annual fee waived on ₹2L annual spend

Key Benefits

Bill Payment

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Earn RP on UPI-based bill payments via SalarySe App

Dining

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1 RP / ₹100 on eligible offline / online spends including dining spends

Food Delivery

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1 RP / ₹100 on eligible offline / online spends including food delivery spends

Grocery

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1 RP / ₹100 on eligible offline / online spends including grocery spends

Milestone

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₹30K in 3 months earns 1,500 bonus RP

Reward Points

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10X RP on incremental UPI spends beyond ₹20,000 / month
5X RP on UPI spends via SalarySe App
1 RP / ₹100 on eligible offline / online spends

Shopping

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1 RP / ₹100 on eligible offline / online spends including shopping spends

Detailed Information

Joining Fee	₹499+ GST
Annual Fee	₹499+ GST
Annual Fee Waiver	Annual fee waived on ₹2L annual spend
Monthly Percentage Rate	3.99%
Annual Percentage Rate	47.88%
Foreign Currency Markup	3.50%
Late Payment Charges	12.5% of total outstanding amount (min. ₹5 - max. ₹1,300)
Cash Advance Fee	2.5% of the transaction amount or min. ₹500
Fee For Cheque Bounce	₹500

Age Requirement Salaried	18 to 60/65 years
Age Requirement Self Employed	21 to 60/65 years
Minimum Annual Income Salaried	₹1L - ₹3L
Minimum Annual Income Self Employed	₹1L - ₹3L
Minimum Credit Score	750 - 900

Identity Proof	Aadhaar Card, PAN Card, Passport, etc.
Address Proof	Utility Bill, PAN Card, Aadhaar Card, Driving License, etc.
Income Proof Salaried	Recent salary slips (last 3 months), Form-16, bank statements
Income Proof Self Employed	Income proof (ITR), business registration documents, bank statements

RBL Bank SalarySe UP Credit Card