1 SalarySe SCoin is worth ₹0.20 in India.
₹0.20₹200 per 1,000 SCoins, our house mark
₹0.20 · first marked 22 Aug 2026, never re-marked since
How we got this ₹ figure
₹0.20 is our HOUSE value for a SCoin — what a disciplined traveller actually clears, not the best redemption we have ever seen (₹0.20, the ceiling) and not the worst you can always fall back on (₹0.20, the floor). It is the number every route on this page is priced with.
We hold one dated point for SalarySe SCoins — the mark itself. There is no earlier valuation on our record, so this page shows no trend line rather than drawing one. How we value a point →
Which of my cards reach it? — 3 do
3 cards earn SalarySe SCoins outright. The figure is the reward rate — what ₹100 of ORDINARY spend earns back at our house ₹/point, before milestones, accelerators and the annual fee. How we compute it →
CUB SalarySe Level UP1.0%City Union BankCUB SalarySe Level UP Virtual1.0%City Union BankIOB SalarySe Rise UP0.4%Indian Overseas Bank / SalarySealso known as: SCoins · SCoin · Scoins
Priced by the programme, not inferred: City Union's own reward document says "Reward points(RP) will be issued as SalarySe SCoins" and "1 Reward Point(RP) shall be equivalent to 1 SCoin, and 5 Scoins shall be equivalent to ₹1". One number for value, floor and ceiling because the rate is NOMINAL — SalarySe states it, so it cannot drift with an award chart. Filed `scrip` and not `retail`: SCoins redeem ONLY inside the SalarySe app and expire 18 months from the date they are earned, so there is no exit to a loyalty programme and no route for the optimizer to price. THE TRAP THIS ROW EXISTS TO DEFUSE: CUB advertises the tiers as "5% rewards", "10% rewards" and "37.5% rewards", which are SCOINS PER ₹100 with a percent sign appended — at five to the rupee the real value-back is 1%, 2% and 7.5%. Anyone quoting that page without dividing by five is five times too high.
SalarySe SCoins has held — we grade its nerf risk stable No tracker events on record for this program How we grade it →
No corridor on our board prices a seat in SalarySe SCoins against a published chart — every option that reaches it is dynamic, and an estimate is not a seat. the 2,196 corridors that DO have a verified price →
Straight answers
The questions people actually type about SalarySe SCoins — answered from the same data as everything above, with the same numbers.
What is 1 SalarySe SCoin worth in INR?
Our desk marks SalarySe SCoins at ₹0.20 a SCoin — so 1,000 SCoins are worth ₹200 and 10,000 are worth ₹2,000. That is the number every route on this page is priced with. The ₹0.20 floor is the redemption you can always fall back on; the ₹0.20 ceiling is the best sweet spot we have actually verified. The mark is holding flat, last reviewed 22 Aug 2026. The valuation index prices it against every other program we cover.
Which Indian cards earn SalarySe SCoins?
3 Indian cards earn SalarySe SCoins outright. Best-ranked earners: CUB SalarySe Level UP, CUB SalarySe Level UP Virtual and IOB SalarySe Rise UP, the best of them at 1.0% reward rate. The card list above names each of them with its rank, its ratio and what one of its points becomes here.
When did SalarySe SCoins last devalue?
We hold no dated events for SalarySe SCoins at all — no devaluation, no buff, nothing sourced — and we will not fill that gap with a guess. The nerf-risk grade reads stable, which on a program with no logged history means untested rather than safe.
Verified against SalarySe (cards issued by City Union Bank and Indian Overseas Bank)'s own documents on · our house ₹/SCoin, ₹0.20 today
Not published , and we will not invent it: when the points expire · how long posting takes · its award terms — surcharges and the booking window.
Every document behind this page — 2 of them, each with the day we read it
- official City Union Bank's own feature document prices the coin — "1 Reward Point(RP) shall be equivalent to 1 SCoin, and 5 Scoins shall be equivalent to ₹1" — the ₹0.20 mark stated rather than inferred.
- official The card page is where the "5% / 10% / 37.5% rewards" headline lives — SCoins per ₹100 with a percent sign attached, which at five to the rupee is really 1%, 2% and 7.5%.