◉
DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
City Union Bank · RuPay

CUB SalarySe Level UP Credit Card

Best forGroceries & Dining
Earns5 SCoins/₹100 on groceries
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on groceries and dining, where it earns 5 SCoins/₹100
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Groceries5 SCoins/₹100
Dining5 SCoins/₹100
Food Delivery5 SCoins/₹100
Shopping5 SCoins/₹100
Travel5 SCoins/₹100
All 16 reward categories · 15 of 16 categories verified
CategoryRateCapCondition
Rent1 SCoins/₹100—1 SCoin/₹100 (0.20% net) base earn on Rent
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
1 SCoin/₹100 (0.20% net) base earn on Rent.
Education1 SCoins/₹100—1 SCoin/₹100 (0.20% net) base earn on Education
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
1 SCoin/₹100 (0.20% net) base earn on Education.
Insurance1 SCoins/₹100—1 SCoin/₹100 (0.20% net) base earn on Insurance
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
1 SCoin/₹100 (0.20% net) base earn on Insurance.
UtilitiesNo reward——
Details
Status
Verified — no reward
Issuer note
External utility transactions excluded from rewards.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel transactions earn 0 rewards (surcharge waiver only).
Groceries5 SCoins/₹10010,000 SCoins per month5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Groceries
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Groceries.
Dining5 SCoins/₹10010,000 SCoins per month5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Dining
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Dining.
Food Delivery5 SCoins/₹10010,000 SCoins per month5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Food Delivery
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Food Delivery.
Shopping5 SCoins/₹10010,000 SCoins per month5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Shopping
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Shopping.
Travel5 SCoins/₹10010,000 SCoins per month5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Travel
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
5-10 SCoins/₹100 (1.0%-2.0% net) on UPI Travel.
Government1 SCoins/₹100—1 SCoin/₹100 (0.20% net) base earn on Government
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
1 SCoin/₹100 (0.20% net) base earn on Government.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet loading is excluded from rewards.
Railways1 SCoins/₹100—1 SCoin/₹100 (0.20% net) base earn on Railways
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
1 SCoin/₹100 (0.20% net) base earn on Railways.
FASTag1 SCoins/₹100—Depends on how the transaction is processed
Details
Status
Depends on how the transaction is processed
Source
SRC-CUB-SALARYSE-DOC
Issuer note
1 SCoin/₹100 (0.20% net) base earn on direct Transportation & Transit (Bridge Fees, Tolls MCC 4784, 4789) per official CUB Product Feature Document. Wallet/service-provider recharges (MCC 6540) are strictly restricted (0 SCoins). Engine cannot distinguish MCC at runtime; marked ROUTE_OR_RULE_DEPENDENT.
JewelleryNo reward——
Details
Status
Verified — no reward
Issuer note
Jewellery purchases are excluded from rewards.
Telecom1 SCoins/₹100—1 SCoin/₹100 (0.20% net) base earn on Telecom
Details
Status
Verified
Source
SRC-CUB-LEVELUP
Issuer note
1 SCoin/₹100 (0.20% net) base earn on Telecom.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
  • Shopping — 10,000 SCoins / month (shared cap — Shopping)
Spending thresholds
  • Spend ₹20,000 per month → Additional 5 SCoins/₹100 (1.0% net) on UPI spend when monthly statement spend > ₹20,000

Key benefits

Rewards
5 SCoins/₹100 on groceries
Milestone benefit
Additional 5 SCoins/₹100 (1.0% net) on UPI spend when monthly statement spend > ₹20,000

Important to know

Limits and exclusions that change what you earn.

  • Shopping rewards are capped at 10,000 SCoins / month (shared cap — Shopping)
  • No reward on: Utilities, Fuel, Wallet, Jewellery
  • Spend ₹20,000 per month → Additional 5 SCoins/₹100 (1.0% net) on UPI spend when monthly statement spend > ₹20,000

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in groceries, dining, food delivery
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in utilities, fuel, wallet, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 4 no-reward categories
Caps
  • Shopping — 10,000 SCoins / month (shared cap — Shopping)
Categories with no reward or not eligible
  • Utilities — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
  • Jewellery — No reward.
Milestones · 1 recorded
  • Spend ₹20,000 per month — Additional 5 SCoins/₹100 (1.0% net) on UPI spend when monthly statement spend > ₹20,000.
Eligibility

Subject to City Union Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas

4 areas need further verification. None of these are counted as zero.

  • • FASTag — depends on how the transaction is processed
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-09-27

Documents used
City Union Bank SalarySe Level UP credit card MITC · SRC-CUB-LEVELUP
Official CUB Product Feature Document (https://www.cityunionbank.com/filemanager/Mar26/CreditCardFeatureDocument.pdf) & Product Page (https://www.cityunionbank.com/cub-salaryse-level-up-credit-card): Base Categories MCC 4784/4789 earn 1 SCoin/₹100; Restricted Categories MCC 6540 earn 0 SCoins · SRC-CUB-SALARYSE-DOC
SRC-CUB-LEVELUP-MITC · SRC-CUB-LEVELUP-MITC
CUB SalarySe Level UP Credit CardLifetime free