Travel on Points

RBL Bank Novio Credit Card

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  • Joining fee

    ₹500 + GST

  • Annual fee

    ₹500 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    2 Reward Points per ₹100 for all your online spends, 1 Reward Point per ₹100 for all other spends (exclusions may apply).

  • Welcome benefits

    2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance, a clear sign that you're valued as a customer.

Fees & charges

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.5%

  • Interest rates

    3.99% per month (47.88% annually)

  • Fuel surcharge waiver

    1% or ₹10, whichever is higher

  • Cash advance charges

    2.5% of the Cash Amount (min. ₹500)

Product highlights

  • RBL Bank Novio Credit Card is Credilio’s co-branded credit card with RBL.
  • ₹500 + GST, making it a budget-friendly option for everyday spending.
  • It supports UPI and is available on the RuPay Select network for added ease of use.
  • 2 Reward Points for every ₹100 spent online and 1 Reward Point for every ₹100 spent offline.

Pros & cons

Pros

  • 2x the rewards on online spending
  • Annual Milestone Benefits for bonus points

Cons

  • No additional Lifestyle Perks or Discounts

FAQs

What is the annual fee for the card?

The card has an annual fee of ₹500 + GST, making it an affordable option for everyday spending.

Can I use this card internationally?

Since it’s a RuPay card, the RBL Novio Credit Card may have limited international acceptance compared to other major networks like Visa or MasterCard. However, it’s ideal for domestic use and UPI payments.

Is the RBL Novio Credit Card suitable for first-time credit card users?

Yes, the RBL Novio Credit Card is a great option for first-time users due to its low annual fee, reward structure, and simple benefits.

Can I use the Novio Credit Card for UPI payments?

Yes, the Novio Credit Card is supported for UPI transactions, making it convenient for everyday use.

What is the welcome bonus for the RBL Novio Credit Card?

New cardholders will receive a welcome bonus of 2,000 Reward Points upon spending ₹5,000 within the first 30 days of card issuance.