~1%
Base rewards
The floor under everything. Never switches off.
Your UPI spends should be paying you back.
Same salary. Same groceries. Same QR codes.
1% somewhere. 5% somewhere. 7.5% here.
What the card is
37.5% salary day
Works on UPI
12 lounges
My offer, not the bank's
Everyone shows you the card.
Everyone shows you the card.
I hand you ₹2,000 for taking it.
I get a referral benefit when you're approved. I give it back — some, to you.
1
Apply through my link
fastrack-apply.short.gy/level-up — it only tracks from here.
2
Sign up with my code
In the SalarySe app. Adds ₹250 before you spend a rupee.
TN67XVIK
3
DM me once approved
@YourCardJourney on X. ₹2,000 comes back — plus the exact cycle I run.
₹18,000
Earned in my first 6 months
₹20,000
Monthly spends routed through it
~8%
Effective return, month after month
90,000+
SC coins earned to date
One spend. Five layers.
Nobody gets to 8% from one feature. They stack — in the order you unlock them.
5 → 10%
UPI spends
Below ₹20K a month you earn 5%. Cross it, you earn 10%.
37.5%
Salary Day Bonus
1st and last day of the month, up to ₹15,000. The whole reason to hold this card.
~1,500
Bill payments
Coins each cycle for paying card bills. Split it into parts, use the full quota.
+1%
Redemption
Coins buy vouchers that are already discounted. The exit pays too.
Salary day, in four minutes.
Desktop sets the payment up. Your phone pays it. The banner confirms 37.5% before you approve.
If the voucher fails, it auto-routes to plain UPI. Nothing gets stuck.
What ₹15,000 turns into.
You spend
₹15,000
At 37.5%
~6,000 SC
1 coin = ₹0.20
₹1,200
+ voucher discount
~8.5%
Coins redeem for Amazon Pay vouchers that are already listed at a discount — that's the last half point.
The rest of the card.
₹500
Joining & annual fee
The ₹250 welcome cash covers half of it, and one salary-day cycle clears the rest.
12 visits
Airport lounges
One unlocks monthly at ₹10,000 spend — which salary day clears alone.
RuPay
Platinum, on UPI
Issued with City Union Bank. Credit on UPI natively, not as a workaround.
₹250
Welcome cash
Register with code TN67XVIK and it lands during onboarding.