Wanted to warn this community before anyone else wastes their money on the SalarySe credit card.
I've seen multiple people now running into the same issues, so this isn't a one-off bad experience.
The advertised rewards don't exist in practice:
- Spend ₹1,000+ at a hotel for breakfast — get only base rewards, zero accelerated rewards despite what's advertised
- Use it at restaurants expecting the promised 10% rewards — end up getting not even 1% cashback
- The milestone benefits they advertise? Nowhere to be found
Customer support is useless:
- Unable to answer basic queries about their own reward structure
- When you escalate, they just repeat the same scripted response
- No accountability whatsoever
The terms and conditions are deliberately tricky — written in a way that lets them wriggle out of every reward promise they make in their marketing.
One person paid the joining fee, used the card for just one month, and is already done with it — requesting a joining fee reversal just to return the card. That says everything.
Bottom line: This card is aggressively marketed with rewards that don't materialize in real usage. If you're considering it, save yourself the frustration and look elsewhere.
Has anyone else had similar experiences?
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