SalarySe Referral Code Offer | Intro
🕒 Last updated on: May 15, 2026
If you’re a salaried employee and you aren’t using this app yet, you are quite literally leaving money on the table every single month. But if you were just about to sign up and paused to search for a referral code then signup with our SalarySe Referral Code ON7ELRUY (working as of May, 2026), you unlock an instant ₹250 Signup Bonus on your very first card-linked UPI spend.
I’ve been using the SalarySe App and the CUB SalarySe Level Up Card for a while now, and it’s effectively changed how I handle everything from my grocery spends to my monthly credit card bills. Here is my personal review and tips to squeeze every bit of value out of it.
Disclaimer: This blog may contain affiliate/referral links, which may earn us a commission at no additional cost to you. These rewards helps us maintain the website but doesn’t affect our review.
SalarySe Referral Code | Signup Benefits
SalarySe is a multi purpose finance management app not just limited to their generously rewarding credit cards but offers investment options, score your money & credit management and much more:
- ₹250 Signup Bonus: Signup with any SalarySe Referral Code ‘ON7ELRUY’ (working as of May, 2026) and earn ₹250 signup bonus on your first UPI based card transaction.
- Valueback up to 7.5%: Spends on Salary Days (first and last day of the month) yields 7.5% value back with their SalarySe CUB Level Up Credit Card (Physical).
- RuPay Credit Card: Why do UPI through savings account when UPI payments through RuPay credit card can earn you rewards on the same.
- 12 Domestic Lounge: 1 Domestic Airport Lounge Access per month on minimum spends of ₹10,000 in the previous month.
- Up to 9.5% FD Returns: Invest on FDs and earn up to 9.5% interest returns.
- Credit Card Bill Payments: Get rewarded on credit card bill payments
CULT TIP
Pay Credit Card bill in chunks like ₹1,000 or ₹2,000 and get better rewards instead of one large credit card bill payment through the SalarySe App.
How to signup with SalarySe Referral Code?
Here is a step by step guide to help you sign up for SalarySe:
- Download the App: Use our SalarySe Referral Link to download and sign up for the app and claim ₹250 bonus cashback on your first UPI based card spend.
- Mobile No. & Referral: Signup with your number and don’t forget to use SalarySe Referral Code ‘ON7ELRUY’ (working as of May, 2026) in ‘did a colleague refer you?’ if not automatically filled.
- Company Details: On the next step, search for your company name and select it.
- Official Email ID: Then you have to provide your official email ID provided by the company and verify it with OTP.
- PAN Card and KYC: Next, you have to provide your PAN Card and AADHAR details and continue for the VKYC. Complete Online Process.
- Virtual Credit Card: Once you have successfully completed the Video KYC, a virtual card with Credit limit will be quickly generated for you while the delivery of physical card can take 3-7 days.
SalarySe CUB Level Up Card: Physical vs Virtual
Choosing the right version of the CUB (City Union Bank) Level Up Card depends entirely on how much of a “reward hunter” you are. Both cards are RuPay-powered, meaning you can link them to UPI and start scanning immediately, but the earning potential varies significantly.
Here is the quick breakdown to help you decide:
| Feature | Virtual Card | Physical + Virtual Card |
| Joining/Annual Fee | ₹0 (Lifetime Free) | ₹499 + GST |
| Salary Day Reward Rate | 25% Reward Points | 37.5% Reward Points |
| Effective Value | 5% via Gift Cards | 7.5% via GVs (Amazon Pay) |
| Form Factor | App-only (UPI & Online) | Physical Card + App Access |
Note: Forex Charges are 1% for the Physical Cardholders while 2% for the Virtual Cardholders.
Cult Tip
- Buy Amazon Pay GVs through the app on Salary Days to squeeze that 7.5% cashback limit.
SalarySe CUB Level Up Card: Reward Points
Reward Points (RPs) or Scoins Earning Mechanism
- 5% Rewards (or 1% Value back): On Non-Salary Days, if current bill below ₹20,000.
- 10% Rewards (or 2% Value back): On Non-Salary Days, if current bill above ₹20,000.
- 37.5% Rewards (or 7.5% Value back): On Salary Days with the physical card variant.
- 25% Rewards (or 5% Value back): On Salary Days with the virtual card variant.
- SalaryDay Bonus gets unlocked on spending minimum ₹5,000 on non SalaryDay Bonus Days
(i.e. excluding 1st and last day of the month)
Quick Things to Note:
- You earn bonus rewards only on UPI based RuPay Card (SalarySe UPI) transactions.
- Maximum Spends eligible for SalaryDay Bonus rewards are ₹15000 per billing cycle. Hence you
will earn maximum –
– 3,750 RPs per billing cycle if you use virtual only card (worth ₹750)
– 5,625 RPs per billing cycle if you use physical + virtual card (worth ₹1,125) - The maximum RPs you can earn are limited to 10% of credit limit of Level UP Credit card (excluding rewards earned on SalaryDay Bonus)
Cult Tip:
Redeem Scoins for Amazon Pay Gift Card (0.8% instant discount too) as Scoins redemption for gift cards offers better value for Scoins (20% value back or 5 Scoins = ₹1) while Cash Redemptions offer 10% value back on Scoins redemption (10 Scoins = ₹1).
Cult Conclusion: Which one should you choose?
SalarySe is an absolute beast for the salaried employees offering up to 7.5% value back (in form of Scoins) on Salary Days. While the general recommendation would be always to apply for the physical variant offering higher value back but here is the quick and simple guide to choose your variant.
Go Virtual if: You want a zero-cost entry into the SalarySe ecosystem. It’s perfect for casual UPI spends and still offers better reward rate than any other standard credit card in the market.
Go Physical if: You are a power user. If you spend more than ₹7,000–₹8,000 in a year, the 7% effective cashback on Salary Days will easily cover the ₹499 fee, and everything after that is pure profit.
If you’re hesitant, start with the Virtual Card to get your ₹250 Signup Bonus. Once you see the “Salary Day” points hitting your account, you can always choose to upgrade to the Physical version later to unlock that peak 37.5% reward tier!
Saurabh | Founder & Content Writer at CreditCult.in
For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results.
I believe you found this post useful and I would recommend you to checkout our latest blog where I have shared My Free Shopping Experience at Airport with Scapia Airport Privileges.
SalarySe FAQs
1. What is the SalarySe referral code and how do I use it?
A SalarySe referral code ‘ON7ELRUY’ is a unique invite code that gives new users a ₹250 Signup Bonus. To use it, simply download the app and enter the code during the registration process. Your bonus is triggered once you link your credit card and make your first UPI spend.
2. How do I redeem my SalarySe coins/reward points?
The reward points or RPs (S-Coins) can be redeemed within the app’s “Rewards” section. The most popular redemption is for Amazon Pay Gift Cards. Since 5 S-Coins are equal ₹1 when redeemed for Gift Cards.
3. What is the CUB SalarySe Level Up Credit Card eligibility criteria?
Only salaried people with decent Credit Score (720+) are eligible to apply for the SalarySe CUB Level Up Credit Card. Check Eligibility Here.
SalarySe Referral Offer (May, 2026)
SalarySe has an interesting referral offer. On signup through a referral:
- Referee Earns ₹250 signup bonus on first UPI Based spend through the App,
- Referred Earns ₹500 for each successful referral signing up for the CUB Level Credit Card.
This month, SalarySe is running a special referral campaign offering an Amazon Voucher worth ₹10,000 on referring SalarySe CUB Level Up Credit Card to 3 salaried employees.
