- Joining fee
₹499 + GST
- Annual fee
₹499 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 RP for every ₹100 spent on offline and online spends; 5X RP for every ₹100 spent on UPI transactions; 10X RP for every ₹100 spent on using UPI for transactions more than ₹20,000
- Welcome benefits
Earn up to 2,500 Reward Points after the first transaction
- Reward redemption
Redeem RP through RBL Rewards Portal; 1 RP = ₹0.10
Fees & charges
- Spend-based waiver
Renewal fee is waived if the cardholder spends ₹2 Lakh or more in the previous year.
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.5%
- Interest rates
3.99% per month or 47.88% per annum
- Cash advance charges
2.5% of the cash amount withdrawal (min. ₹500)
Product highlights
- You can earn up to 2,500 Reward Points after your first transaction and additional points for spending ₹30,000 in the first three months.
- Link your National Common Mobility Card (NCMC) to use your credit limit for metro and bus travel.
Pros & cons
Pros
- Easily link the card to UPI for quick payments.
- Spend ₹2 lakh or more in a year to get the renewal fee waived.
Cons
- There are no benefits on dining, entertainment, travel, etc.
- The forex markup fee is relatively high.
FAQs
How can I redeem my Reward Points?
You can redeem your Reward Points through the RBL Reward Portal at a rate of ₹0.10 per point. A nominal fee of ₹99 plus GST applies for each redemption made in a single day.
How can I check my Reward Points balance?
You can check your Reward Points balance through the RBL Bank mobile app, via the RBL Reward Portal, or by contacting customer service.
Are there any complimentary services with the credit card?
The RBL Bank SalarySe UP Credit Card does not offer complimentary services like insurance benefits or lounge access. Its primary benefits focus on rewards and cashback through UPI transactions.