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RBL Bank
24 lounge visits a year, a Rs. 12,500 gift card every year, and a 2% foreign transaction fee
One-time
Waived on ₹10,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from RBL Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromFlights
No published ceiling on this tier
Hotels
No published ceiling on this tier
Everything else
No published ceiling on this tier
Data-driven verdict based on net earnings after fees and caps.
Key strength
12% on Flights — Flight bookings and hotel stays — 6% back at the published Rs. 1 a point., with no stated cap.
Biggest limitation
The Rs. 12,500 plus GST fee is waived only at Rs. 10,00,000 of spending in a card anniversary year, about Rs. 83,000 a month.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
12 pts
uncappedFlights
Flight bookings and hotel stays — 6% back at the published Rs. 1 a point.
12 pts
uncappedHotels
4 pts
uncappedEverything else
2% back on purchases anywhere.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹14,750 | Rs. 12,500 + GST annual fee waived on spends of Rs. 10,00,000 or more in a card anniversary year |
| Cash withdrawal | 2.5% | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 12.5% | 12.5% of the total outstanding, minimum Rs. 5 and maximum Rs. 1,300 |
| Foreign currency markup | 2% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹10,00,000 a year
is what it takes to keep the ₹14,750 fee off — about ₹83,333 a month
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
RBL BankIndianOil RBL Bank Credit Card₹590
RBL BankRBL Bank Shoprite Credit Card₹590
RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Platinum Maxima Credit Card₹2,360
RBL BankRBL Bank Icon Credit Card₹5,900
ICICI BankICICI Bank Parakram Credit CardLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| RBL Bank NOVA Credit Card · this card | ₹14,750 | 12% flights | Included |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
| IndianOil RBL Bank XTRA Credit Card | ₹1,770 | Up to 7.5% rewards | No |
| RBL Bank Platinum Maxima Credit Card | ₹2,360 | Up to 10 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹14,750 plus GST, waived on ₹10,00,000 of annual spend.
The strongest published rate is 12% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. See the benefits section above.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
Redeemed at 1 Reward Point to Rs. 1 of redemption value
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
RBL Bank NOVA Credit Card — 12% on flights. ₹14,750 a year.