RBL Bank SalarySe UP Credit Card: The Most Definitive Guide

RBL Bank SalarySe UP Credit Card: Features, Benefits and How it Works

In this fast changing world, the function of credit cards has transcended the mere act of making payments. They provide incentives like cashback and rewards/rebates and are indispensable in today’s financial world. With several offerings to choose from in the market, the RBL Bank SalarySe UP Credit Card is meant to offer an all-digital and convenient experience for customers with online payments combined with a range of exclusive rewards and lifestyle benefits.

This blog will discuss the RBL Bank SalarySe UP Credit Card and will give a brief of its features, benefits, charges and eligibility for applying. I’ll have you well informed by the end of this post about whether you should be the new owner of this card.

What is the RBL SalarySe UP Credit Card?

RBL Bank SalarySe UP Credit Card is India's first virtual card and is meant for the generation that firmly believes in value, simplicity, and convenience. Sounds like a mouthful eh?But in simple terms, it is a card jointly developed by RBL Bank and SalarySe, designed to provide you a smooth and intelligent way for payment for online transactions. Since the card is completely digital, you won’t be handed out a physical card to play with (it’s all virtual), and all the transactions are done via UPI (Unified Payments Interface) which is a widely popular and secure digital payment platform in India.

With the RBL Bank SalarySe UP Credit Card, users can avail a variety of offers such as reward points, discounts on online and offline spends and special deals. Connect this card to widely used UPI app such as Google Pay, PhonePe, or Paytm and enjoy effortless transaction at the same time earn lucrative rewards.

Salient Features of RBL Bank SalarySe UP Credit Card

100% Virtual Card

What is unique about the SalarySe UP Credit Card? The SalarySe UP Credit card is completely virtual. Cardholders don’t get a physical card, eliminating the need to keep one on hand or risk losing it. All payments will be made digitally via UPI does have a UPI-enabled platform.

This is great for those who like a paperless, digital first lifestyle. Cardholders can easily control their card as well as monitor transactions via the RBL Bank app or online banking.

UPI Integration

It is India’s most accepted digital payment system and has been developed by the National Payments Corporation of India from 2016. UPI enables instantaneous payment from a mobile through a mobile number uniquely or payee, which is easy to remember, without additional lookups - e.g. canteen manager@upi or (mail id)@upi or aadhaar@upi, without the need to enter card credentials or netbanking userid/ password every time. It is a good option for users who use UPI on regular basis and need to make day-to-day transactions.

Cardholders now have the convenience to add their RBL SalarySe UP Credit Card to UPI apps such as Google Pay, PhonePe, Paytm and BHIM to make payments or even share money without the hassle of entering card information.

Reward Points System

Reward Points: The reward points system is one of its notable features of the RBL Bank SalarySe UP Credit Card. The card provides 8 reward points for every ₹200 spent on online, 4 reward points for every ₹200 spent on offline use. Moreover, users can avail 5x rewards points on their UPI transactions at ₹100 spent.

The system aims to help cardholders get the most out of their reward points while transacting using UPI, a payment mechanism gaining traction for digital transactions. These points can be utilized against a host of rewards such as flight and hotel reservations, gift vouchers and products from the RBL Rewards Catalogue.

Welcome Benefits

The Welcome Benefits on the RBL Bank SalarySe UP Card provide true reason for interest to get the card activated by a new member. Here is a rundown of the welcome benefits:

Get 2500 reward points on spending of ₹500 within 30 days of card issuance.

Get extra 2,000 reward points on 15 UPI transactions worth ₹500 each in the first 30 days of card issuance.

Get 1,500 reward points as a welcome gift on making first spends of ₹30,000 within 90 days of card issuance.

These nice bonuses give the card holder value right from the gate, giving you reward points from day 1.

UPI Transaction Benefits

RBL Bank SalarySe UP Credit Card comes with UPI benefits. UPI has become the most used MSP platform in india!This card is to ensure that you get 5x for making the payment of 100 using UPI. What’s more, your UPI transactions spread over ₹20,000 will also fetch you 10x reward points per ₹100 spent.

This means that cardholders will have a window to boost their reward points when making higher spends/transactions via UPI.

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on every purchase at all petrol pumps in India with RBL Bank SalarySe UP Credit Card. This waiver is for transactions between ₹500 and ₹4,000. Cardmembers can take advantage of this perk whenever they gas up, so there’s no need to pay fees each time.

Advantages of the RBL Bank SalarySe UP Credit Card

Digital-Only Convenience

The RBL SalarySe UP Credit Card is completely virtual, so it’s ideal for people who like to deal with their money online. You needn’t tote around a physical card or risk losing one. All your payments and transactions through PhonePe UPI areprocessed using the highest level of security.

Rewarding Transactions

You get 8 reward points for every ₹200 you spend online and 5x reward points on UPI transactions with the RBL SalarySe UP Credit Card, which boasts a very rewarding rewards program. Whether shopping online or paying UPI, you’re always good to earn valuable points to be turned into rewards, for ever transaction made.

Seamless UPI Integration

UPI is here to stay as it’s the lifeline of Indian digital payments and the RBL SalarySe UP Credit Card is part of that story. Users will be able to use the card to make instant and secure payments by simply connecting the card to leading UPI apps. The card also offers rewards for UPI transactions, so it’s ideal for users who transact on UPI often.

Financial Control and Transparency

You’re in charge of your spending with virtual cards. RBL SalarySe UP Credit Card provides the convenience of easy transaction management on RBL Bank mobile app / online banking. You can follow your purchases, manage your rewards, and receive instant account updates, so you can stay fully in control of your money.

Low Fees and Charges

The RBL Bank SalarySe UP Credit Card is one of the most cheap credit cards in town with a joining fee of ₹499 + GST and renewal fee of ₹499 + GST. In addition, the card includes waivers on the renewal fee, so it is a cost-effective choice for those wanting to maximize the value of their credit card.

Comparison with Other Credit Cards

The RBL Bank SalarySe UP Credit Card is special for its 100% virtual card model, easy UPI access and a great confirmatory program. It has a higher reward points ratio with respect to UPI payments and online spends as compared to other premium credit cards available in the market, which becomes great for a digital payment aficionado.

In contrast to other credit cards which only provide restricted benefits to UPI transactions, the new RBL SalarySe UP Credit Card ensures that users can earn reward points on all their UPI transactions irrespective of the platform or merchant.

RBL Bank SalarySe UP Credit Card Eligibility

Eligibility Criteria for RBL Bank SalarySe UP Credit Card To obtain the RBL Bank SalarySe UP Credit Card, you must fulfil the below-hosted eligibility criteria:

Age Applicants should be at least 21 years of age.

Employment: You need to be a salaried individual to apply for this card.

Income: The Minimum Income requirement will be communicated by RBL Bank at the time of application.

Conclusion

The RBL Bank SalarySe UP Credit Card is the perfect fit for someone who appreciates the digital-first way of life and wishes to leverage the potential of their everyday spends. Be it making online purchase, booking your travel, or paying through UPI, you will have a reward for every spend on this card.

An exclusively virtual proposition, the RBL SalarySe UP card comes with the ease of UPI linkage, a lucrative rewards programme, and zero issuance and usage charges, making for an extremely convenient and rewarding fit for today's time-strapped generation.

And to those who seek a smart, tech-savvy and stimulating Credit Card, the RBL Bank SalarySe UP Credit Card is a good one to consider.