SalarySe City Union Credit Card
Quick Overview
Perks & Tradeoffs
Pros
- Lifetime free virtual card
- Up to 7.5% back on salary day spends via SalarySe UPI
- ₹1250 welcome gift voucher on approval
- 1 complimentary domestic lounge visit per month
- UPI-enabled credit card
- Lower forex markup on physical card (~1%)
Cons
- Physical card costs ₹500 + GST
- Rewards only as gift vouchers, no direct cashback
- Reward caps apply per billing cycle
- 0.2% fixed rate on rent, insurance, utilities and govt spends
- No rewards on wallet loads, fuel (select cases) and betting
- Salary day bonus limited to 1st and last day of month only
About The Card
SalarySe has partnered with City Union Bank to launch the Level Up Credit Card — a UPI-enabled credit card built around salary day spending. The core idea is simple: earn higher rewards when you spend on your salary credit dates and regular rewards the rest of the month.
If you’re someone who receives salary via UPI and wants to maximise rewards on that exact day, this card is designed for you.
SalarySe Referral Code 2026
🎁 Referral Code: EST109AJ 🔗 Referral Link: https://links.bigtricks.in/salaryse
₹15,000 Referral Bonus — How It Works
This is a limited April 2026 offer:
| Referrals | Bonus |
|---|---|
| 5 Successful Referrals | ₹15,000 total bonus |
- Share your referral link or code with friends
- They apply and get approved for the SalarySe Level Up Credit Card
- You earn the referral bonus for each successful approval
- Offer valid till April 30, 2026 only ⚠️
Use the code or link above when signing up on SalarySe to ensure the referral is tracked correctly.
Fees & Card Variants
| Feature | Virtual Card | Physical Card |
|---|---|---|
| Annual Fee | Lifetime Free | ₹500 + GST |
| Annual Fee Waiver | — | ₹2 Lakh spend/year |
Reward System — SCoins Explained
Rewards are earned as SCoins, where:
5 SCoins = ₹1 when redeemed for Gift Vouchers
So the effective reward rate depends entirely on how many SCoins you earn per ₹100 spent.
🌟 Salary Day Rewards (The Star Feature)
On the 1st and last day of the month, when you spend via SalarySe UPI:
| Card Type | SCoins per ₹100 | Effective Reward Rate |
|---|---|---|
| Virtual Card | 25 SCoins | 5% back |
| Physical Card | 37.5 SCoins | 7.5% back |
This is where the card truly shines. If your salary hits on these dates and you route spends through SalarySe UPI, you’re earning up to 7.5% cashback equivalent — that’s genuinely excellent for a credit card in this segment.
Regular Rewards (Rest of the Month)
For everyday spends outside salary days:
| Spend Slab | SCoins per ₹100 | Effective Rate |
|---|---|---|
| Base categories | 1 SCoin | 0.2% |
| Up to ₹20,000/month | 5 SCoins | 1% |
| Above ₹20,000/month | 10 SCoins | 2% |
So regular spends give you 1–2% back, which is in line with most entry-to-mid-range cards in India. You can check out how this compares in our best cashback credit cards in India roundup.
Reward Caps — Important to Know
- Regular rewards are capped at 10% of your credit limit per billing cycle
- Salary Day rewards have a separate cap:
- Virtual Card: ~3,750 SCoins (~₹750 equivalent)
- Physical Card: ~5,625 SCoins (~₹1,125 equivalent)
Plan your spends accordingly to stay within the cap and maximise value.
❌ Zero / Reduced Rewards Categories
Some categories are excluded or earn minimal rewards:
| Category | Reward Rate |
|---|---|
| Rent, Insurance, Utilities, Govt | 0.2% fixed |
| Wallet loads, Fuel (select cases), Betting | No rewards |
This is standard practice for most Indian credit cards — so no surprises here. If you’re heavily into rent payment via credit card, keep in mind the capped 0.2% rate.
🛫 Lounge Access
- 1 complimentary domestic lounge visit per month
- Requires ₹10,000 spend in the previous billing cycle to unlock
A clean milestone-based benefit — not the most generous, but appreciated on a card of this segment. If you’re a frequent traveller looking for more lounge perks, check our list of best credit cards for lounge access in India.
Forex Markup
| Card Type | Forex Markup |
|---|---|
| Virtual | ~2% |
| Physical | ~1% |
The physical card’s lower forex markup makes it more travel-friendly. For international spends, check out our guide on zero forex markup credit cards in India.
How to Apply for Salary Se Credit Card
1. First of all click on the button below to download Salary Se app from stores.
2. Now Enter your mobile number and referral code to get extra referral bonus
3. Next, Enter your work email ID and verify it with OTP.
4. Now fill company details and address details.
5. Submit the form.
6. Next you will be asked for Bank verification.
7. Do it. You can choose the varient you want, I prefer Virtual card as it’s free
8. Now complete your VKyc. You will get Your card approved
9. Do first transaction to get welcome rewards.
10. Done.!!
Who Should Apply?
✅ You receive salary via UPI and actively spend around the 1st/last of the month ✅ You want a free UPI credit card with structured rewards ✅ You’re okay with gift voucher redemptions (not direct cashback) ✅ You want a ₹1250 welcome bonus with zero commitment on the virtual card
Who Should Think Twice?
❌ You want straightforward cashback (not SCoins/gift vouchers)
❌ Your primary spends are on rent, utilities, or insurance
❌ You’re looking for international travel perks — limited forex benefit on virtual card
Pros & Cons
| ✅ Pros | ❌ Cons |
|---|---|
| Lifetime free virtual card | Physical card costs ₹500+GST |
| Up to 7.5% on salary day spends | Reward caps apply |
| ₹1250 welcome voucher | Gift voucher only (no direct cashback) |
| Domestic lounge access | 0.2% on rent/utilities/govt |
| UPI-enabled credit card | Offer limited to first 10 applicants |
FAQs
Q: Is the EST109AJ code mandatory? Yes, absolutely. Without entering code EST109AJ during application, you will NOT receive the ₹1250 gift voucher.
Q: How many people can avail this ₹1250 offer? This offer is valid for the first 10 approved applicants only. Act fast!
Q: When will I receive the gift voucher? The ₹1250 gift voucher will be sent to your registered email after card approval.
Q: What is the virtual card annual fee? The virtual card is Lifetime Free — no annual fee ever.
Q: Can I upgrade from virtual to physical later? The physical card is available at ₹500+GST, waived on ₹2 Lakh annual spend.
Q: What is 1 SCoin worth? 5 SCoins = ₹1 when redeemed for gift vouchers. So 1 SCoin = ₹0.20.
Final Verdict 🏆
The SalarySe × City Union Bank Level Up Credit Card is a well-structured UPI credit card for salaried individuals. The salary day reward rate of 5–7.5% is genuinely competitive, and the lifetime-free virtual card makes the entry barrier zero.
Best For
Reward Program
SCoins Rewards
Fees & Charges
Frequently Asked Questions
Is the EST109AJ coupon code mandatory to get the ₹250 gift voucher?
What are salary day rewards and when do they apply?
What is 1 SCoin worth in rupees?
Is the virtual card really lifetime free?
What is the annual fee for the physical card and how can it be waived?
Are rent and utility payments rewarded on this card?
How do I qualify for the monthly lounge access benefit?
Does SalarySe City Union Credit Card have any annual fee?
What welcome bonus do I get with SalarySe City Union Credit Card?
How does the SCoins system work with SalarySe City Union Credit Card?
What are the eligibility criteria for SalarySe City Union Credit Card?
How long does it take to get SalarySe City Union Credit Card approved?
How can I apply for SalarySe City Union Credit Card?
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