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RBL Bank
Up to 10X points on eligible UPI spends through the SalarySe app
One-time
Waived on ₹2,00,000/yr
Uncapped rewards
Score 700+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms read from published copy
The rates below were read from RBL Bank’s published wording rather than a confirmed rate table, so treat them as indicative.
Terms effective from 10 Oct 2026.
See where each figure came fromData-driven verdict based on net earnings after fees and caps.
Key strength
This card publishes no category-wise reward rates.
Biggest limitation
RBL does not publish a rupee value per point for this card, so the up to 10X headline cannot be converted into a percentage return.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹589 | — |
| Annual / renewal fee | ₹589 | The Rs. 499 + GST renewal fee is waived on yearly spends above Rs. 2,00,000 |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 12.5% | 12.5% of the total outstanding, subject to a minimum of Rs. 5 and a maximum of Rs. 1,300 |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹2,00,000 a year
is what it takes to keep the ₹589 fee off — about ₹16,667 a month
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Linkable to UPI. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
RBL BankIndianOil RBL Bank Credit Card₹590
RBL BankRBL Bank NOVA Credit Card₹14,750
RBL BankRBL Bank Shoprite Credit Card₹590
RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Platinum Maxima Credit Card₹2,360
RBL BankRBL Bank Icon Credit Card₹5,900| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| RBL Bank SalarySe UP Credit Card · this card | ₹589 | Not published | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
| IndianOil RBL Bank XTRA Credit Card | ₹1,770 | Up to 7.5% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹589 plus GST, waived on ₹2,00,000 of annual spend.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the SalarySe app
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Accelerated reward points at up to ten times the base rate on eligible UPI spends made through the SalarySe app. The catch is that RBL does not publish a rupee value per point for this card, so 10X cannot be converted into a percentage return — ten times an unpublished number is still unpublished.
No. It applies to eligible UPI spends made through the SalarySe app. Spending on the card at a terminal, or UPI payments made outside the app, will not earn the accelerated rate. As with every co-brand in this catalogue, the headline rate lives inside the partner's own channel.
Rs. 499 plus GST to join and Rs. 499 plus GST to renew, with the renewal waived on yearly spends above Rs. 2,00,000 — about Rs. 16,700 a month. Several UPI cards in this catalogue are lifetime free, so the fee only makes sense if the accelerated UPI rate is genuinely going to be used.
RuPay is the only network whose credit cards can be linked to a UPI app. That means this card pays at any QR code — the small merchants where a Visa or Mastercard credit card simply cannot be used. A card that then pays a multiplied rate on exactly those payments is addressing something most cards here ignore.
No. RBL publishes no airport lounge access on this card. Within RBL's own range the World Safari and the Icon carry lounge benefits; this one is a UPI rewards card and is priced accordingly.
Two things. The reward value is not published, so the 10X headline cannot be verified against a rupee figure — ask SalarySe what a point is worth before taking the card on that basis. And the interest rate is 3.99% a month, which is 47.88% a year, among the highest in this catalogue, so the card needs clearing in full every statement.
Most RuPay credit cards in this catalogue treat UPI as a payment rail rather than a reward category: they can be linked to a UPI app, and QR spending earns whatever the ordinary rate is, or nothing at all.
This card does something different. RBL and SalarySe pay accelerated reward points at up to 10X on eligible UPI spends made through the SalarySe app — a multiplied rate for exactly the small-merchant payments other cards ignore. For somebody whose spending is mostly QR codes, that addresses a real gap.
The honest limitation is that RBL does not publish a rupee value per reward point for this card. A multiplier of 10X is only meaningful against a base, and without a published point value there is no way to turn the headline into a percentage return.
That is worth asking about before applying, because the fee is real: Rs. 499 plus GST to join and the same to renew, waived only on yearly spends above Rs. 2,00,000 — about Rs. 16,700 a month. Several UPI cards in this catalogue are lifetime free, so this card has to earn its fee out of the accelerated rate, and the rate cannot currently be checked.
The accelerated points apply to eligible UPI spends made through the SalarySe app. That is the familiar co-brand pattern across this catalogue — the headline rate belongs to the partner's own channel, and spending the same money elsewhere earns the base rate instead.
So the card suits a SalarySe user and nobody else. If the app is already how you pay, a multiplied rate on those payments plus a reachable fee waiver makes sense. If it is not, there is no reason to pay Rs. 499 for a card whose best rate you will not reach — and at 3.99% a month, or 47.88% a year, this is a card to clear in full every statement regardless.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
RBL Bank SalarySe UP Credit Card — see the rates above. ₹589 a year.