RBL Bank SalarySe UP Credit Card
RBL Bank RBL Bank

RBL Bank SalarySe UP Credit Card

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Joining Fee: ₹499* Plus Applicable Taxes

Renewal Fee: ₹499*Plus Applicable Taxes

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MyBankingTips Rating

Joining Fee: ₹499* + Tax

Renewal Fee: ₹499* + Tax

Welcome benefits:- Earn up to 2,500 Reward Points after the first transaction.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About RBL Bank SalarySe UP Credit Card

RBL Bank, in partnership with SalarySe, has launched the RBL Bank SalarySe UP Credit Card—a 100% virtual card created for those who prefer making payments digitally without carrying a physical card.

The card comes with a rewarding structure, offering 1 Reward Point per ₹100 spent on eligible transactions and up to 10X Reward Points on UPI payments made via the SalarySe platform. New users also enjoy welcome benefits in the form of bonus reward points on their first transaction and initial spends. Being compatible with popular UPI apps, this card ensures seamless, secure, and convenient everyday payments.

RBL Bank SalarySe UP Credit Card Rewards Program

Reward Rate

  • 1 Reward Point per ₹100 on all eligible spends.
  • 5X Reward Points on UPI spends via SalarySe platform (capped at 1,000 points/month).
  • 10 Reward Points per ₹100 on incremental UPI spends beyond ₹20,000/month (capped at 8,000 points/month).
  • Exclusions: No rewards on spends like fuel, utilities, insurance, rentals, railways, education, wallets, govt. services, cash, EMI conversions, etc.

Reward Redemption

  • Redeem Reward Points on the RBL Rewards Portal.
  • 1 Point = ₹0.10.
  • Nominal redemption fee: ₹99 + GST per day.

Other Features and Benefits

Welcome Benefits

  • 2,500 Reward Points on first transaction of ₹500 or more within 30 days.
  • 1,500 Reward Points on spending ₹30,000 within the first 3 months.
  • 2,000 Reward Points on completing 15 UPI transactions of at least ₹500 each within 30 days.
    (All bonus points are credited within 60 days.)

Credit Card on UPI

  • Link your card with UPI apps like GPay, PhonePe, PayTM, BHIM for easy payments.
  • Pay via QR code and track spends directly on your UPI app.

NCMC on Credit Card

  • Use the National Common Mobility Card (NCMC) feature linked to your credit card for metro, bus, and other transit payments.
  • Reload wallet via RBL app or transit terminals.
  • Convenient for daily commuters with easy spend tracking.

Fees and Charges

Fee/ChargeAmount/Rate
Joining FeeRs. 499
Annual Fee ( second year onwards)Rs. 499
Finance ChargesUp to 3.99% p.m. (47.88% p.a.)
Late Payment Fee12.5% of the outstanding amount (Min. Rs. 5 | Max. Rs. 1,300)

Things to Know Before you apply

Get this card if:

  • You prefer cashless, app-based payments via UPI.
  • You want extra rewards for digital transactions.
  • You need a virtual-first card without relying on plastic.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For RBL Bank SalarySe UP Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

RBL Bank SalarySe UP Credit Card Hilights

What do we like about this card?

  • 100% virtual credit card, linked with SalarySe platform.
  • Earn up to 10X Reward Points on UPI spends.
  • Welcome benefits worth up to 6,000 Reward Points.
  • NCMC feature for metro & bus travel payments.
  • Redeem points on RBL Rewards Portal (1 Point = ₹0.10).

Pros

  • High reward potential on UPI spends.
  • Multiple welcome bonuses for early spenders.
  • Added convenience with UPI and NCMC integration.

Cons

  • Low redemption value (₹0.10 per point).
  • Reward cap limits high monthly spenders.

RBL Bank Credit Card Contact Details

Contact Address: RBL Bank Ltd., One Indiabulls Centre, 16th Floor, Tower 2, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India

Helpline: 022-62327777 or 1800-121-9050 (toll-free)

Simply SMS: Send ICON to 5607011 to get a callback or apply

Frequently Asked Questions

Everything you need to know about this credit card

It is a 100% virtual credit card, designed for digital and UPI transactions.

Currently, the card is offered with zero joining and annual fee, making it highly affordable.

  1. You can earn up to 6,000 Reward Points by:
  2. Making your first transaction of ₹500 (2,500 points).
  3. Spending ₹30,000 in 3 months (1,500 points).
  4. Completing 15 UPI transactions of ₹500 each in 30 days (2,000 points).

You earn 1 Reward Point per ₹100 on all eligible spends. For UPI spends via SalarySe, you earn 5X to 10X points, subject to monthly caps.

Reward Points can be redeemed on the RBL Rewards Portal at the value of ₹0.10 per point. A fee of ₹99 + GST applies per redemption request.

No, this card does not offer lounge access. However, it supports NCMC for metro and bus payments, making commuting easier.

How Can I Apply for a Credit Card Online?

  • ✔Step 1: Enter your mobile number in the application form
  • ✔Step 2: Provide your personal details
  • ✔Step 3: Enter OTP to verify your mobile number
  • ✔Step 4: Select the credit card
  • ✔Step 5: Compare offers and apply for the best-suited credit card
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