Verified — 16/16 categories
RBL Bank
SalarySe UP
Best forGroceries & Dining
Earns1 RP/₹100 on groceries
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Network
Not recorded
RBL Bank
SalarySe UP
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on groceries and dining, where it earns 1 RP/₹100
- Annual fee is waived at ₹2,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Groceries1 RP/₹100
Dining1 RP/₹100
Food Delivery1 RP/₹100
Shopping1 RP/₹100
Travel1 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| Education | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| Insurance | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| Utilities | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| Fuel | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| Groceries | 1 RP/₹100 | — | Base eligible retail purchase 1 RP/₹100 per SRC-RBL-SALARYSE-01Details
|
| Dining | 1 RP/₹100 | — | Base eligible retail purchase 1 RP/₹100 per SRC-RBL-SALARYSE-01Details
|
| Food Delivery | 1 RP/₹100 | — | Base eligible retail purchase 1 RP/₹100 per SRC-RBL-SALARYSE-01Details
|
| Shopping | 1 RP/₹100 | — | Explicit RBL source-gated ruleDetails
|
| Travel | 1 RP/₹100 | — | Base eligible retail purchase 1 RP/₹100 per SRC-RBL-SALARYSE-01Details
|
| Government | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| Wallet | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| Railways | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| FASTag | Not a good fit | — | FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Bank Excluded Merchant Category PolicyDetails
|
| Jewellery | Not eligible | — | SalarySe UP T&C exclusionDetails
|
| Telecom | Not a good fit | — | Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
“—” 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
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Reward caps
- Shopping — 1,000 RP / month (per category — Shopping)
- Shopping — 8,000 RP / month (per category — Shopping)
Key benefits
Rewards
1 RP/₹100 on groceries
Fee waiver
Annual fee waived on ₹2,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Shopping rewards are capped at 1,000 RP / month (per category — Shopping)
- Shopping rewards are capped at 8,000 RP / month (per category — Shopping)
- Not eligible: Rent, Education, Insurance, Utilities +5 more
- Not recommended for: FASTag, Telecom
Who should consider this card
✓ Good fit if
- Your spending is concentrated in groceries, dining, food delivery
- You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 2 caps · 11 no-reward categories
Caps
- Shopping — 1,000 RP / month (per category — Shopping)
- Shopping — 8,000 RP / month (per category — Shopping)
Categories with no reward or not eligible
- Rent — Not eligible. SalarySe UP T&C exclusion.
- Education — Not eligible. SalarySe UP T&C exclusion.
- Insurance — Not eligible. SalarySe UP T&C exclusion.
- Utilities — Not eligible. SalarySe UP T&C exclusion.
- Fuel — Not eligible. SalarySe UP T&C exclusion.
- Government — Not eligible. SalarySe UP T&C exclusion.
- Wallet — Not eligible. SalarySe UP T&C exclusion.
- Railways — Not eligible. SalarySe UP T&C exclusion.
- FASTag — Not a good fit. FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Bank Excluded Merchant Category Policy.
- Jewellery — Not eligible. SalarySe UP T&C exclusion.
- Telecom — Not a good fit. Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to RBL Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- 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.
- • 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
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-21
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-21
Documents used
RBL Phase 14 research / current issuer evidence · RBL Phase 14 research / current issuer evidence
SalarySe UP RBL Bank Credit Card Schedule & Terms · SRC-RBL-SALARYSE-01