CUB SalarySe Level UP Credit Card (Virtual) 2026: Lifetime Free with Up to 5% cashback
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Apply for the CUB SalarySe Level UP Virtual Credit Card — a lifetime free, RuPay UPI-enabled card with accelerated rewards on SalarySe UPI spends and a Salary Day Bonus twice a month. Apply online now!
This post covers the virtual-only LTF variant. The physical+virtual card has a ₹500+GST joining fee, different forex rate, lounge access, and higher Salary Day Bonus — those don’t apply here.
Key Highlights at a Glance
| Feature | Details |
|---|---|
| Joining & Annual Fee | ₹0 — Lifetime Free (virtual card only) |
| Card Type | RuPay, Virtual-only, UPI-enabled |
| Forex Markup | 2% |
| Base Reward Rate | 1 SCoin per ₹100 (other UPI apps, base categories) |
| Accelerated Rate | 5 SCoins per ₹100 (up to ₹20,000/month via SalarySe UPI or online) |
| Super Accelerated Rate | 10 SCoins per ₹100 (above ₹20,000/month) |
| Salary Day Bonus | 25 SCoins per ₹100 (1st & last day, SalarySe UPI only, capped) |
| Redemption Value | 5 SCoins = ₹1 |
CUB SalarySe Level UP: Lifetime Free Virtual Card + Salary Day Bonus
🎁 Perks: Up to 2% Cashback Value on Spends Above ₹20,000/Month • 5% Value on Salary Day Bonus • UPI-Enabled, No Physical Card Needed • Instant Virtual Issuance
Apply Now →💳 Level UP (Virtual): Rewards & Benefits Fact Sheet
🎯 Reward Rates — Points vs. Real ₹ Value
Rewards are paid as SalarySe SCoins. Important: 5 SCoins = ₹1, so the advertised “X points per ₹100” rates are not the same as cashback %.
| Tier | Points Rate | Real Cashback Value | How to Qualify |
|---|---|---|---|
| Base | 1 SCoin/₹100 | 0.2% | Other UPI apps (GPay, PhonePe etc.) + base categories |
| Accelerated (up to ₹20k/month) | 5 SCoins/₹100 | 1% | SalarySe UPI (online/QR/POS) or online checkout with card |
| Super Accelerated (above ₹20k/month) | 10 SCoins/₹100 | 2% | Same channels, only on spend beyond ₹20k |
| Salary Day Bonus (1st & last day) | 25 SCoins/₹100 | 5% | SalarySe UPI only, capped at ₹15,000 eligible spend |
🧮 Real Examples
- 📲 ₹15,000/month via SalarySe UPI (all under ₹20k tier) → 750 SCoins → ₹150
- 📲 ₹25,000/month via SalarySe UPI (₹20k @ 5 + ₹5k @ 10) → 1,500 SCoins → ₹300
- 💰 ₹15,000 spent via SalarySe UPI on 1st/last day (after unlocking with ₹5,000 prior spend) → 3,750 SCoins (capped) → ₹750
- 🔀 Combine both: a salaried spender hitting Salary Day Bonus + ₹25k monthly spend could net ~₹1,050/month in SCoin value
🔓 Unlocking the Salary Day Bonus
- Only active on the 1st and last day of each calendar month
- Requires ₹5,000 spend on non-bonus days first to unlock
- Capped at ₹15,000 eligible spend/cycle → max 3,750 SCoins (₹750) for virtual card
- Only SalarySe UPI payments qualify — other UPI apps don’t count toward this bonus
🚫 Zero Reward Categories
Cash withdrawals • Wallet loads • Fuel & auto, quasi-cash • Gambling • Jewellery • Transactions under ₹2,000 at small offline merchants
📉 Lower (Base-Only) Categories — 1 SCoin/₹100 regardless of spend
Railways • Rent • Insurance • Education • Telecom • Government services • Agriculture/contracted services • Post office • Tolls & transit • Bill pay
⚠️ Fine Print
- 🔢 Fractional SCoins round down
- 📅 SCoins only credit after your statement generates
- ⏳ SCoins expire after 18 months
- 📊 Total monthly rewards (Base + Accelerated + Super Accelerated combined) capped at 10% of your credit limit — Salary Day Bonus is separate and not included in this cap
- 🔁 Refunds/chargebacks claw back the SCoins earned on that transaction
💰 Redemption
- Redeemable only on the SalarySe App
- Gift vouchers from 200+ brands, or cash conversion (subject to SalarySe’s current options)
🌍 Forex & Lounge (Virtual Card Specifics)
- 🌐 Forex markup: 2% — higher than the physical card’s 1%
- 🛋️ No airport lounge access on the virtual card.
Eligibility Criteria
- Age: 21 to 65 years
- Employment: Salaried individuals only
- Minimum Income: ₹25,000/month
- Credit Score: 680+
Required Documents
- ID Proof: PAN Card / Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
How to Apply Online
- Click Apply Now and complete the online application
- Enter employment and income details for eligibility check
- Complete KYC
- Get your virtual card issued instantly — no physical card needed
- Start earning via SalarySe UPI from day one
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