- Joining fee
₹99 + GST
- Annual fee
₹99 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 RP/₹200 Spent
- Welcome benefits
20% Cashback on First Two UPI Transactions Within 15 Days of Card Issuance; Capped at ₹50
- Reward redemption
₹99 + GST
Fees & charges
- Rewards redemption fee
Redeem Rewards at RBL Rewards. 1 RP = ₹0.25.
- Foreign currency markup
3.5%
- Interest rates
Up to 3.99% per Month (47.88% per Annum)
- Fuel surcharge waiver
1%
- Cash advance charges
2.5% or ₹500 Whichever is Lower
Pros & cons
Pros
- Low joining fee of ₹99 + GST
- 20% UPI cashback welcome offer for new users
- Simple rewards structure: 1 RP for every ₹200 spent
Cons
- No added benefits such as lounge access, dining, travel, or insurance perks
FAQs
How do I get the welcome cashback?
Make two UPI transactions within 15 days of card issuance and pay the joining fee. Cashback will be credited within 60 days.
How many reward points can I earn with this card?
You earn 1 Reward Point for every ₹200 spent on eligible transactions.
How can I redeem my reward points?
Points can be redeemed for flights, hotels, shopping vouchers, mobile recharges, or donated to charity via the RBL Rewards website.
Does this card offer lounge access or travel perks?
No. It’s a basic credit card without lifestyle or travel benefits.