City Union Bank · Entry · lifetime free
CUB SalarySe Level UP Credit Card (Lifetime Free)
Where it ranks across all 187 cards
#29 EMI
1.0%
direct
#35 Insurance
1.0%
direct
#35 Education
1.0%
direct
#44 Utility bills
1.0%
direct
#72 Mobile / broadband
1.0%
direct
#80 Train tickets
1.0%
direct
#85 Cabs & transit
1.0%
direct
#89 Other
1.0%
direct
#90 Health & pharmacy
1.0%
direct
#93 Electronics
1.0%
direct
#97 Hotels
1.0%
direct
#98 Flights
1.0%
direct
#102 Online shopping
1.0%
direct
#103 Food delivery
1.0%
direct
#103 Fashion
1.0%
direct
#104 Movies & events
1.0%
direct
#105 Groceries
1.0%
direct
#111 Dining out
1.0%
direct
#28 Government / tax
0.1%
direct
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Redeemable only on the SalarySe App for gift vouchers / cash conversion; 5 SCoins = Rs 1
Points valued at ₹0.2/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
5 pts / ₹100
source
Source: CUB SalarySe Level UP Credit Card (Lifetime Free) - Feature Document - cityunionbank.bank.in - read 2 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on6 exclusions
Automated cash disbursement (ATM), Manual cash disbursement
earns nothing
Cash transactions earn no SCoins.
→ use SC Ultimate here (3.3%)
detail & source
MCCs: 6011, 6010
Source: CUB SalarySe Level UP Credit Card - Feature Document - cityunionbank.bank.in - read 2 Oct 2026
Wallet load
earns nothing
Wallet/service provider loads earn no SCoins.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: CUB SalarySe Level UP Credit Card - Feature Document - cityunionbank.bank.in - read 2 Oct 2026
Fuel
earns nothing
Fuel and auto transactions earn no SCoins.
→ use FIRST Private here (6.6%)
detail & source
categories: Fuel · MCCs: 0032, 2541, 4001, 5542, 5541, 5172
Source: CUB SalarySe Level UP Credit Card - Feature Document - cityunionbank.bank.in - read 2 Oct 2026
MCC 6050, Quasi-cash - foreign currency, money orders, crypto +1 more
earns nothing
Quasi-cash transactions earn no SCoins.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 6050, 6051, 4829
Source: CUB SalarySe Level UP Credit Card - Feature Document - cityunionbank.bank.in - read 2 Oct 2026
Gaming
earns nothing
Gambling transactions earn no SCoins.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 7801, 7995, 9754
Source: CUB SalarySe Level UP Credit Card - Feature Document - cityunionbank.bank.in - read 2 Oct 2026
Jewellery & watches
earns nothing
Jewellery purchases earn no SCoins.
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5944, 5094
Source: CUB SalarySe Level UP Credit Card - Feature Document - cityunionbank.bank.in - read 2 Oct 2026