SalarySe IOB Rise Up 250 SCoins Offer: Terms and Conditions

Offer period

The offer runs from 12 November 2026, 12:00 AM to 30 November 2026, 11:59 PM IST (the “Offer Period”).

Who can take part

The offer is open to SalarySe users who start their IOB Rise Up credit card application in the SalarySe app during the Offer Period and do not already hold an IOB Rise Up card.

The offer

Eligible users get 250 SCoins as an extra reward on their first qualifying transaction made with the IOB Rise Up card through the SalarySe app.

Complete your card journey within 7 days

To be eligible, your IOB Rise Up card must be issued within 7 days (168 hours) of starting your application in the SalarySe app, and on or before 30 November 2026. This includes booking the FD, completing KYC and video KYC, and card issuance by IOB. Delays caused by the bank or KYC partners outside your control will be reviewed case by case.

Qualifying transaction

To qualify, a transaction must:

• be a merchant UPI payment made through the SalarySe app using the IOB Rise Up card (scan & pay or pay to a merchant UPI ID);
• be for ₹10 or more;
• be completed successfully within the Offer Period.

Transactions that don’t qualify

• transactions made outside the SalarySe app (online, in-store or through other UPI apps), person-to-person (P2P) transfers and transfers to bank accounts;
• wallet loads, ATM or cash withdrawals, and bill payments made to the card itself;
• failed, cancelled, reversed or refunded transactions.

One reward per user

Each user can earn the 250 SCoins once, however many cards or transactions they have. This offer cannot be combined with any other SalarySe card-issuance offer, including the Diwali 500 SCoins offer.

When rewards are credited

SCoins are credited to the user’s SalarySe account after the Offer Period ends, by 3 December 2026.

Reversals

If the qualifying transaction is later refunded, cancelled or reversed, SalarySe may withhold or reverse the 250 SCoins.

Refunds if the application is not completed

After payment, you have 6 days (144 hours) to complete your application. If it is not completed within this period, your payment will be refunded automatically. The refund may take up to 48 hours to reach your account.

Using SCoins

SCoins can be used on SalarySe for deals and rewards of up to 10% on transactions, under the SalarySe SCoins terms. SCoins cannot be transferred or exchanged for cash.

The card

The IOB Rise Up credit card is issued by Indian Overseas Bank against a fixed deposit (FD). Approval is subject to booking the FD, completing KYC and IOB’s policies. The FD earns 6.5% interest, as per IOB’s FD rates. The card’s fees and charges are set by IOB (see the MITC).

Fair use

SalarySe may disqualify any user or transaction it suspects of fraud, misuse or breaking these terms.

Changes

SalarySe may change, extend or withdraw this offer at any time without prior notice.

Contact

For questions, write to support@salaryse.com or use Help in the SalarySe app.