1. What is the Up card?
A credit card that lives fully inside an app, no plastic, no physical material. It’s issued by RBL Bank with SalarySe as partner, and works on UPI, so you pay by scanning QR codes like always but on Credit. You earn reward points on eligible spends.
2. Is this a Swiggy card? Does Swiggy control it?
No. The card from SalarySe, given in partnership with RBL Bank. Swiggy only helps offer it to you. Swiggy is neither your lender nor does it run the card, only bring you the opportunity.
3. There’s no physical card, how do I use this?
The card can be linked and used for all payments through the SalarySe app. You access and manage the card in the RBL MyBank App and pay through UPI. No card is ever sent to you.
4. Will money be cut from my Swiggy earnings for this card?
No. It’s a normal credit card, not linked to your Swiggy payouts. Nothing is auto-deducted. You get a monthly bill and pay it yourself.
5. What do I earn when I start?
Up to ₹1,200 in points, as a one-time welcome reward.
• 2,500 points on your first ₹500 spend (within 30 days of getting the card)
• 2,000 points for 15 UPI payments of ₹500 each (within 30 days of getting the card)
• 1,500 points for spending ₹30,000 (within 90 Days of getting the card)
6. What is 1 reward point worth?
₹0.20. So 100 points = ₹20, and 1,000 points = ₹200.
7. “5X / 10X rewards”, what does that mean & how much real money is that?
• In rupees: normal spends give about ₹0.20 back per ₹100.
• UPI through the SalarySe app gives about ₹1 back per ₹100 (5X).
• Once you cross ₹20,000 of UPI transactions in a month, anything further gives you about ₹2 back per ₹100 (10X).
8. What is the limit on the rewards which I can earn in a month?
Roughly ₹1,800 in points from ongoing spends (the 5X part caps at ₹200/month, the 10X part at ₹1,600/month), plus your one-time welcome points on top early on.
9. Does every UPI payment earn the same rewards?
No. UPI done through the SalarySe app earns the high 5X/10X. Other spends earn the base 1 point per ₹100. And some restricted categories earn nothing (see below).
10. Can I use it for petrol?
You can pay, but fuel and vehicle spends earn zero points. On top of that, any single fuel or auto transaction above ₹10,000 carries a 1% fee (max ₹3,000). If a lot of your money is petrol, this card won’t reward that part.
11. Will I earn at small local shops?
Often no. Offline UPI payments below ₹2,000 at very small shops earn no points. Larger and online payments are fine.
12. What other spends earn no points?
Bills, recharges, rent, insurance, EMIs, school/college fees and government payments, none of these earn points.
13. Do these zero-point spends at least count toward my fee waiver?
No. The excluded spends above don’t count toward the ₹2 lakh you need for the fee waiver either.
14. How do I use my points? Any charges on redeeming the points?
Redeem them in the SalarySe app at ₹0.20 per point at no extra charge.
15. Who can get this card?
You must be 21–70 years old and have a credit score of 720 or above. Please note, there are multiple checks performed by the bank to check for eligibility. The final decision rests solely with the bank authorities.
16. I’ve never had a loan or credit card, can I still get the card?
Not right now. This card needs an existing credit score, so first-time credit users aren’t eligible yet.
17. Why might my application be rejected?
Common reasons: score below 720, no credit history yet, missed payments in the recent past, or too many loan/card applications in the last 6 months.
18. Is the card free? If chargeable, can the fee be waived?
There’s a yearly fee of ₹499 + GST (about ₹589). Spend ₹2,00,000 in the year and next year’s fee is waived. Remember: fuel, bills, rent and the other excluded spends don’t count toward that ₹2 lakh.
19. How much time does it take to get the card?
After successfully completing your application and the vKYC, basis the bank’s internal policy for approval or rejection, you can expect to get the card to be available in the RBL MyBank App within 24 hours. Then this can be linked to the SalarySe app for usage.
20. What is the status of my application?
When you apply for a card you will receive an Application Reference Number. This number can be used to track your application status at rbl.bank.in/track-app-status or connect with a customer care representative from SalarySe at “+919650940728”.
21. My Card Application has been stuck for some time, without any update, what do I do?
For any and all updates on your credit card application, you can reach out to the customer care representative from SalarySe at “+919650940728”.
22. What interest will I pay if I don’t clear my full bill?
If you don’t pay the full bill by the due date, interest kicks in at up to 3.99% per month (roughly 47.88% a year). Your exact rate depends on your credit score: around 3.85% per month for scores 725–775, and 3.99% per month below 725. It’s charged daily until you clear everything, and once you carry a balance you also lose the interest-free days on new spends. Pay in full by the due date and you pay zero interest.
23. What happens if I pay late?
You get a 3-day grace after the due date. Miss that and a late fee applies: 12.5% of what you owe, minimum ₹5, maximum ₹1,300 (plus GST). Interest starts too, and staying unpaid past 3 days gets reported to the credit bureaus (CIBIL), which lowers your score. Even paying just the minimum on time is far better than missing.
24. What is the “minimum amount due”?
It’s the smallest amount you must pay to keep the card in good standing. Includes 5% of your spends and interest (or ₹200, whichever is higher), plus any EMI and past unpaid dues. If you only ever pay the minimum, the balance drags on, for example; a ₹5,000 balance paid only at minimum can take about 6 years to clear, with heavy interest. Pay as much as you can, ideally the full amount.
25. Can I convert a big spend into EMI, and what does it cost?
Paying in EMIs at a shop over UPI isn’t allowed on this card. Where EMI conversion is offered through the app, it carries a fee of 1.5% of the amount or ₹150 (whichever is higher), plus interest. Moreover, you earn no points on spends turned into EMI.
26. What is my credit limit and can I increase it?
The bank sets your limit and shows it in the app and on your monthly statement. It can only be changed by the bank based on your usage. Regular use and on-time payment build the case for a higher limit; missed payments or leaving the card unused for a year can get it reduced (and after a full year unused, it’s closed automatically).
27. What if my card details are misused or there’s fraud?
Block it immediately in the RBL MyBank app (Card Services → Report Dispute and Fraud → Fraud → Block) or call 1800 102 6222 right away. The faster you report, the more you’re protected. RBL follows RBI’s rules that limit your liability when you report quickly. For genuine fraud, no charge is applied and it isn’t reported to the bureau until it’s resolved. Never share your card number, expiry, CVV or OTP with anyone.
Source: RBL Bank SalarySe UP Credit Card product pages and the RBL Credit Card MITC (v03-07-2026). This is a simple summary; the RBL Product T&C and MITC on rbl.bank.in are the binding, final word.