RBL Bank Credit Cards

The RBL Lumière is RBL Bank's invite-only, ultra-premium metal flagship at a ₹50,000 + GST annual fee. It earns 4 reward points per ₹200 (2% at ₹1/point) on general spends and 5X — 20 points per ₹200 (10%) — on the Lumière rewards portal. The travel bundle is genuinely unlimited: unlimited domestic and international lounge access for the cardholder and guests, unlimited complimentary golf rounds with 12 lessons a year, eight airport meet-and-greet services a year, a dedicated concierge and 0% forex markup. On joining it ships a welcome e-gift voucher worth ₹30,000 — a choice of Taj Experiences or Marriott — plus a complimentary Club Marriott or ITC Culinaire membership, offsetting most of the year-one fee. The annual fee is not spend-waivable; it is reversed only for customers maintaining a Total Relationship Value of ₹2 crore with RBL Bank.

Why it stands out Invite-only 18g metal card — unlimited lounges, unlimited golf and 0% forex at ₹1/point value

Best suited for For the ultra-affluent RBL private-banking client who receives an invite, spends across travel and the Lumière portal, and values unlimited lounge, unlimited golf and concierge over headline cashback.

The RBL Platinum Maxima Plus is a fairly-priced lifestyle card with a smart category mix — 10X reward points on dining, entertainment, grocery and international spends (capped 1,000 points a month, combined), plus a free movie ticket and lounge access — that genuinely fits how urban Indians spend their fun money. The honest caveat is the points: the monthly cap and a devalued point value (~₹0.25, as low as ₹0.11) pull the real return to a modest 1–2.5%. It is a ₹2,500 card with NO spend-based fee waiver; welcome 10,000 points, milestones to 30,000 points, 2 domestic lounge visits a quarter on ₹35,000 of prior-quarter spend (no international), and one free movie ticket on 2+ BookMyShow bookings a month. Buy it for the lifestyle perks you will use, not for a 10X headline the fine print walks back.

Why it stands out 10X on dining/entertainment/grocery/international (capped) with a movie ticket and lounge quota

Best suited for For RBL customers who spend on dining, entertainment, grocery and travel and will use the movie and lounge perks. Note there is no fee waiver and the 10X is capped at 1,000 points/month.

RBL World Safari is a travel-focused card earning 5 reward points per ₹100 (~1.25%) on travel bookings, with 0% forex markup and complimentary Priority Pass for airport lounge access. Designed for RBL customers who travel a few times a year and want lounge access without a ₹10,000+ fee.

Why it stands out Priority Pass travel card at a mid-tier fee

Best suited for For RBL account holders who travel domestically for work and want lounge access at a reasonable ₹3,000 annual fee. The Priority Pass is a genuine premium perk rarely bundled at this fee tier.

The RBL Nova is an invite-only premium metal card at a ₹12,500 + GST fee that is waived from the second year on ₹10 lakh of eligible annual spend. It earns 4 reward points per ₹200 (2% at ₹1/point) on general spends and an accelerated 12 points per ₹200 (6%) on flights and hotels booked through the Nova portal. Reward points transfer to airline partners including Air India Maharaja, Singapore KrisFlyer and Qatar Privilege Club at 2 points to 1 partner point. The travel sheet is strong for the fee: 12 domestic and 12 international lounge visits a year (with 4 international guest visits), 4 golf rounds with 12 lessons, and a ₹12,500 Taj Experiences or Luxe welcome gift card that covers the year-one fee before GST.

Why it stands out Invite-only metal card — 6% on flights & hotels, ₹12,500 welcome gift and airline point transfer

Best suited for For the frequent flyer who receives an invite, books flights and hotels through the Nova portal and will transfer points to airline programmes, while clearing ₹10 lakh a year to waive the renewal fee.

The RBL Icon is a dining-and-international card with a respectable benefit sheet — 20 reward points per ₹100 (5% at ₹0.25/point) on weekend dining and overseas spend, 2 RP per ₹100 elsewhere, BOGO movie tickets twice a month, 12 golf lessons, a 20,000-point welcome bonus and milestones to 45,000 points (10,000 at ₹3L, +15,000 at ₹5L, +20,000 at ₹8L). Lounge access is 2 visits a quarter on ₹35,000 of prior-quarter spend. The trouble it cannot escape is internal: at a ₹5,000 fee, RBL's own Platinum Maxima Plus serves a similar audience for less, and the Icon rarely does enough extra to justify being the pick — a fine card that is usually the wrong answer within RBL's own range.

Why it stands out 5% (20 RP/₹100) on weekend dining & international, golf and milestones to 45,000 points

Best suited for For RBL diners and international spenders who will use the weekend-dining/overseas 5X, golf and milestones. Most will be better served by the lower-fee RBL Platinum Maxima Plus.

RBL IndianOil XTRA is the premium tier of RBL's IndianOil fuel co-brand. It earns 15 fuel points per ₹100 at IndianOil outlets (each point worth ₹0.50 toward fuel, so ~7.5% value, capped at 2,000 points a month) and 2 points per ₹100 elsewhere. With the 1% fuel-surcharge waiver (up to ₹200/month) RBL markets it as roughly 8.5% value back and up to 250 litres of free petrol a year — among the highest fuel returns available. The trade-off is a steeper ₹1,500 fee (waived at ₹2.75 lakh) and a 2,000-point monthly cap that limits how much fuel can earn at the top rate.

Why it stands out About 8.5% value back on IndianOil fuel — one of India's highest fuel earn rates

Best suited for For heavy IndianOil spenders — ₹10,000 to ₹13,300 a month on fuel fills most or all of the 2,000-point monthly cap — who also put enough other spend on the card to reach the ₹2.75 lakh waiver (fuel alone gets there only at about ₹23,000 a month). Light fuel users are better off with the cheaper base RBL IndianOil card.

The RBL World Safari Lite is the cheaper sibling of the RBL World Safari, bringing the family's signature 0% forex markup down to a ₹1,000 + GST annual fee. It earns 5X — 5 reward points per ₹100 — on flights and hotels booked via the RBL Bank rewards portal and 1 point per ₹100 on eligible domestic travel — and nothing at all on general spending, because RBL publishes no base rate for this card. A ₹1,000 welcome voucher bundle (Ixigo, Swiggy One, OTTplay) covers most of the ₹1,180 all-in year-one fee, and milestones add 5,000 points at ₹2.5 lakh and 10,000 points at ₹5 lakh of annual spend. Lounge access is modest and spend-gated: one domestic and one international visit per quarter, each unlocked by ₹50,000 of spend in the previous quarter.

Why it stands out 0% forex markup on a ₹1,000 travel card — the affordable World Safari sibling

Best suited for For the occasional international traveller who wants genuinely 0% forex markup at a low ₹1,000 fee and does not need the fuller lounge programme of the pricier World Safari.

RBL Apex is a portal-first cashback card: unlimited 2% back when you book flights, hotels, shopping and gift vouchers through the RBL Bank Rewards Portal, plus a flat 1% on everyday spends capped at ₹500 a month. Milestone cashbacks of ₹1,000 at ₹2 lakh and ₹2,000 at ₹4 lakh of annual spend can fully cover the ₹1,000 fee — and opening a new RBL Bank Savings Account alongside the card waives that fee outright for as long as the account stays open. A quarterly domestic lounge visit and a buy-one-get-one BookMyShow movie ticket each month (up to ₹100) round out the sheet. The catch: the headline 2% only fires inside RBL's own portal — direct spends earn the capped 1% — and fuel, utilities, insurance, education, rent, wallet loads, government payments, EMI and cash do not earn.

Why it stands out Unlimited 2% cashback on flights, hotels, shopping & vouchers booked via RBL's rewards portal

Best suited for For RBL customers who book travel and shopping through the bank's rewards portal and will chase the ₹2 lakh / ₹4 lakh milestones. If you book flights and hotels directly rather than via the portal, the everyday 1% (capped ₹500/month) is all you get.

The RBL BankBazaar SaveMax Pro is the paid, accelerated sibling of the SaveMax: it earns 10X reward points on groceries and 5X on fuel (each capped at 1,000 points a month), 2X on everything else, and hands over a 5,000-point welcome once you make your first transaction and pay the ₹1,499 fee. Read the caps carefully — at 10X, the 1,000-point grocery cap is reached at about ₹10,000 of grocery spend a month, and at 5X the fuel cap at about ₹20,000; beyond that both categories drop to the 2X base. At RBL's ~₹0.25 per point the grocery rate is roughly 2.5% in value within the cap. Milestone points at ₹2 lakh (2,000 points) and a further 4,000 at ₹4 lakh of annual spend, plus small Zomato and BookMyShow discounts, help the ₹1,499 fee. One practical caveat before you plan around it — RBL states this card is sourced by invitation only, so there is no open application route. Utilities, insurance, education, government services, rent, wallets, cash and EMI conversions earn nothing; groceries and fuel, the card's own accelerators, are not excluded.

Why it stands out The accelerated SaveMax — 10X on groceries and 5X on fuel, with a 5,000-point welcome, but each accelerator is capped at 1,000 points/month

Best suited for For households with concentrated grocery and fuel spend of roughly ₹10,000 and ₹20,000 a month — exactly the accelerator caps — who will use the milestone points to justify the ₹1,499 fee.

The RBL Paisabazaar Duet Plus is a cashback-plus-credit-line card: it earns 2.5% cashback on travel and dining and 1% on everything else, and pairs that with an Xpress Cash personal-loan line you can draw from the RBL MyBank app. The correction most applicants need: the cashback is capped hard at ₹500 per calendar month (₹200 travel/dining + ₹300 others), so beyond about ₹20,000 of monthly spend the effective rate collapses. The ₹1,499 fee (waived at ₹4 lakh of annual spend) is steep for what is, within its cap, a modest cashback card. A one-time ₹250 welcome cashback, a fuel surcharge waiver and a weekend BookMyShow 1+1 round it out. Read RBL's exclusion table too — fuel, utilities, insurance, rent, education, wallets, government services and cash earn nothing at all.

Why it stands out A cashback card twinned with an Xpress Cash loan line — 2.5% on travel & dining, but a hard ₹500/month cashback ceiling

Best suited for For Paisabazaar users who want a simple cashback card plus an on-tap Xpress Cash line, and whose monthly spend sits near the ₹15,000–20,000 mark where the ₹500 cap is not yet a constraint.

The RBL TVS Gold Credit Card is the step-up co-brand over the base TVS card, at a ₹1,500 fee. It earns 2 reward points per ₹100 on domestic spends and 10 points per ₹100 on international spends (points ≈ ₹0.25, so about 0.5% domestic and 2.5% international). The real value sits in the perks — a 6,000-point welcome bonus, 5% EazyDiner cashback up to ₹250 a month, ₹500 quarterly vouchers on ₹50,000 of quarterly spend, domestic and international airport-lounge access on spend thresholds, and a ₹200/month fuel surcharge waiver. A wide exclusion list (fuel, utilities, rent, insurance, wallets, EMI) keeps earning to core retail. RBL publishes no spend-based waiver on the ₹1,500 + GST fee, so it recurs every year and the perks have to carry it.

Why it stands out A mid-tier TVS co-brand adding lounge access, dining cashback and quarterly vouchers over the base card

Best suited for For TVS Credit customers and mid-spend users who will hit the ₹50,000-a-quarter voucher and lounge thresholds, spend abroad occasionally, and value dining cashback over a high everyday reward rate.

The RBL Blockbuster is a mid-tier entertainment card whose headline is 2 free BookMyShow tickets every month you spend ₹20,000, backed by 4 domestic lounge visits a year (one a quarter, no spend condition) and a welcome bundle of 8,000 reward points plus a ₹1,000 BookMyShow benefit. Base earn is thin — RBL's terms set 1 reward point per ₹100 while the product page markets 2 — lifted to 20 points per ₹100 on weekend dining up to 2,000 points a cycle, and an annual milestone ladder pays 10,000 points at ₹3.5 lakh and a further 15,000 at ₹5 lakh. At a ₹3,000 fee with no waiver, the card only makes sense if you reliably hit the ₹20,000 monthly spend and actually use the movie tickets and lounge visits.

Why it stands out Two free BookMyShow tickets a month when you spend ₹20,000, plus lounge access

Best suited for For frequent moviegoers who spend at least ₹20,000 a month and will use the two free tickets plus quarterly lounge access. It rewards consistent spenders, not occasional users.

The RBL Patanjali Swarn is the step-up Patanjali co-brand on the RuPay network (linkable to UPI). It keeps the 10% cashback at Patanjali stores on ₹500+ transactions but lifts the monthly cap to ₹750 (about ₹7,500 of Patanjali spend), and layers on lifestyle perks its cheaper Vishisht sibling lacks: 4 domestic airport-lounge visits a year (1 a quarter, on ₹50,000 of prior-quarter Patanjali spend), a BookMyShow buy-one-get-one movie offer (up to ₹200, once a month on weekends), and a 1% fuel surcharge waiver (up to ₹200/month). Two annual milestones sit on top — a ₹1,500 Patanjali voucher and a 4-night wellness-centre stay — but RBL raised their bars sharply in May 2026, to ₹9 lakh and ₹12 lakh of eligible annual spend, each with a minimum Patanjali-spend condition inside it. At ₹1,499 with no fee waiver, it only makes sense for a heavy Patanjali household that will also use the lounge and movie perks; off-brand spend still earns just 1 point per ₹100.

Why it stands out The premium Patanjali card — 10% back at Patanjali (capped ₹750/month) plus quarterly lounge and a movie BOGO

Best suited for For committed Patanjali households spending up to ₹7,500 a month at its stores who will also use the quarterly lounge visit and monthly movie BOGO. Casual Patanjali shoppers are better served by the cheaper Vishisht.

RBL IndianOil is RBL's fuel co-brand — the successor to the discontinued RBL BPCL SuperCard, now aligned to India's largest pump network. It earns 10 fuel points per ₹100 at IndianOil outlets (each point worth ₹0.50 toward fuel, so about 5% value back, capped at 1,000 points a month) and 1 point per ₹100 elsewhere. Add the 1% fuel-surcharge waiver (up to ₹100/month) and RBL markets it as roughly 6% value back and up to 100 litres of free petrol a year. A RuPay variant of this card links to UPI; this entry covers the Mastercard variant.

Why it stands out Up to 5% value back as fuel points at IndianOil, the fuel co-brand that replaced RBL's BPCL SuperCard

Best suited for For drivers who fill up at IndianOil (IOCL) pumps and spend a few thousand rupees a month on fuel. The ₹500 fee waives at ₹1.75 lakh of annual spend, and fuel points redeem cleanly for fuel at IOCL.

The RBL IRCTC Credit Card is a rail-first co-brand on the RuPay network — so it links to UPI — built around one recurring saving: 5 reward points per ₹200 on train tickets booked through IRCTC (2.5%, with each point worth ₹1 on IRCTC), plus a 1% reversal of the IRCTC transaction/payment-gateway charge (capped at ₹200 a month across all bookings, not per booking). It adds 8 railway-lounge visits a year (2 a quarter) and a ₹5,000 Train Cancellation Shield. The catch is the value is almost entirely inside the IRCTC ecosystem: off-IRCTC spends earn a thin 1 RP per ₹200, the ₹500 fee has no spend waiver, and there is no fuel or air-lounge benefit. For a frequent train traveller it pays for itself; for everyone else it is an ordinary base-rate card.

Why it stands out A RuPay UPI train card that pays back the IRCTC booking fee and earns 2.5% on rail tickets

Best suited for For regular train travellers who book through IRCTC and will use the RuPay-on-UPI link for everyday payments. The reward and fee-reversal only shine on IRCTC bookings — pair it with a flat-rate card for the rest.

The RBL Binge is an entry-level online-and-entertainment card earning 12 reward points per ₹100 on online spends — capped at 800 points a month — over a 1 point per ₹100 base, plus a monthly buy-one-get-one BookMyShow ticket (up to ₹200). It is a ₹999 card (waived at ₹1 lakh of annual spend) with a 4,000-point welcome bonus. The online accelerator is genuinely useful up to the cap, but the lounge access this card once carried was discontinued from 1 July 2025, so the value now rests on online points and the movie offer.

Why it stands out 12 reward points per ₹100 on online spends (capped 800 points a month) plus a monthly 1+1 movie ticket

Best suited for For online shoppers who want an accelerated points rate up to a monthly cap, plus a regular moviegoer who will use the monthly 1+1 BookMyShow ticket. Its ₹1 lakh waiver is easy to clear.

RBL ShopRite is one of India's better dedicated grocery cards — 5% back on supermarket spend for a low ₹500 fee, a real and recurring saving for the offline-first family. The correction before you apply: it is NOT "uncapped 5%" and NOT lifetime-free. The 5% (20 reward points per ₹100, points worth ₹0.25) is capped at 1,000 reward points a month — about ₹5,000 of grocery spend — after which it drops to the 1 RP/₹100 base; the ₹500 fee waives at ₹1.5 lakh. A 2,000-point welcome bonus (₹500) lands on a first eligible spend within 30 days, and there is 10% off BookMyShow bookings up to ₹100, 15 times a year. The fuel benefit is a surcharge waiver only (₹100/month) — fuel itself earns no points, and neither do utilities, insurance, rent, wallets, education, government services or EMI. Within the cap it is genuinely good; beyond it, it is an ordinary base-rate card.

Why it stands out 5% on grocery (capped 1,000 RP/month ≈ ₹5,000 spend) for a low ₹500 fee

Best suited for For offline-first households whose grocery spend is around ₹5,000/month — exactly the 1,000-point cap. Beyond that, the 5% stops, so heavy grocery spenders should plan around the cap.

The RBL Play is an entry-level entertainment card built around one recurring benefit — a ₹500 BookMyShow discount (2 tickets up to ₹250 each) every billing month you spend ₹5,000, plus up to ₹100 off food & beverage on BookMyShow bookings. It carries a ₹500 fee waived at ₹1.5 lakh of annual spend, and RBL runs a second waiver route for cardholders sourced through BookMyShow — 10 BookMyShow transactions in an anniversary year earns Superstar status, which waives the annual fee outright. RBL does not publish a base reward-points rate for it, so treat it as a movie perk card, not a rewards engine, and pair it with a proper cashback card for everyday spend.

Why it stands out A ₹500 BookMyShow discount every billing month you spend ₹5,000

Best suited for For regular moviegoers who will spend ₹5,000 a month to claim the ₹500 BookMyShow benefit. It is also an accessible first card.

The RBL BankBazaar SaveMax is a lifetime-free grocery card: it earns 5X reward points on grocery spends (capped at 1,000 points a month) and 1 reward point per ₹100 on everything else. The honest framing: 5X sounds large, but at RBL's ~₹0.25 per point that grocery rate is about 1.25% in value, not 5% cashback — a real but modest return. Its virtue is that it costs nothing, so even thin rewards are pure upside. A 10% discount on Zomato and BookMyShow (₹100/month each) adds small everyday value. Note the long list of categories that earn nothing — fuel, utilities, insurance, education and government payments among them.

Why it stands out A genuinely lifetime-free card that earns 5X reward points on groceries — thin per-rupee value, but no fee to justify

Best suited for For first-time card users and low-to-moderate grocery shoppers who want a no-fee card that quietly earns on supermarket spend without any renewal cost to justify.

RBL Cookies is a monthly-fee lifestyle card: instead of an annual charge it levies ₹100 a month, waived automatically in any month you spend ₹5,000 or more the previous month. Its draw is 10% cashback at Zomato, Myntra and Uber (capped ₹900/month, ₹300 per brand), 5X reward points on online spends, and a ₹1,000 welcome voucher. There is also 10% off BookMyShow (up to ₹300 a month, once a month) and a 1% fuel surcharge waiver up to ₹150 a month. The base earn is a thin 1 reward point per ₹100 (points worth about ₹0.25), so the value lives almost entirely in the three cashback partners and the milestone vouchers.

Why it stands out 10% cashback at Zomato, Myntra & Uber plus a ₹1,000 welcome voucher, on a ₹100/month fee

Best suited for For young, online-first spenders who regularly order on Zomato, shop Myntra and ride Uber, and will spend ₹5,000 most months to waive the fee. Outside those three partners the card is ordinary.

The RBL Paisabazaar Duet Credit Card is a "duet" of a credit card and a personal-loan line, issued in partnership with Paisabazaar (earlier known as RBL Paisa on Demand). Cards issued after 1 September 2021 carry no annual fee, making the current product effectively lifetime-free. The card earns a flat 1% cashback on retail and online spends, capped at ₹500 a calendar month (about ₹50,000 of eligible spend), credited within about two weeks. Alongside the card sits an Xpress Cash / Paisa on Demand loan facility — you draw a chosen amount over your credit line via the RBL app and pay interest only on what you use, in EMIs. A wide exclusion list (fuel, utilities, rent, insurance, wallets) keeps cashback to core retail.

Why it stands out A no-annual-fee card giving flat 1% cashback (up to ₹500/month) plus a built-in credit line

Best suited for For no-fee seekers who want simple flat cashback on everyday retail and online spend up to about ₹50,000 a month, and who value having an on-demand loan line attached to the same card.

The RBL DMI Finance Credit Card is a digital-first co-brand issued to DMI Finance customers through the DMI app, on the Mastercard network. Its earn is modest and typical of an entry card: 2 reward points per ₹100 on online spends and 1 point per ₹100 offline, with total earning capped at 500 reward points per billing cycle across both rates. The everyday sweeteners are a BookMyShow buy-one-get-one movie offer (up to ₹200, on ₹5,000 monthly spend) and a 1% fuel surcharge waiver (up to ₹100/month), plus a ₹200 BookMyShow voucher on activation. Regular spenders also collect 2,000 reward points for every ₹50,000 spent in a quarter, a ₹500 Amazon voucher at ₹2 lakh a year and an additional ₹200 Swiggy voucher at ₹3 lakh. At ₹499 with no fee waiver, a ₹99 + GST redemption fee and a wide exclusion list that also gates the milestones, it is a convenience card for existing DMI customers rather than a rewards standout.

Why it stands out A fintech co-brand issued through the DMI Finance app — 2X reward points online, plus a movie BOGO and fuel waiver

Best suited for For existing DMI Finance app customers who want a simple entry card with a small online-spend bonus and movie perk. Reward-maximisers will do better with a flat-cashback card.

The RBL Patanjali Vishisht is a niche co-brand on the RuPay network (so it links to UPI) aimed squarely at loyal Patanjali shoppers. Its one real draw is 10% cashback at Patanjali online and offline stores on transactions of ₹500 or more — but that cashback is capped at ₹500 a month, so the benefit maxes out at about ₹5,000 of monthly Patanjali spend. Everything else is ordinary: 1 reward point per ₹100 on other spends, a 1% fuel surcharge waiver (up to ₹150/month), and a ₹499 fee waived at ₹1.5 lakh of annual spend. It makes sense only for households that genuinely buy a lot of Patanjali; for anyone else a flat-cashback card returns more.

Why it stands out 10% cashback at Patanjali stores (capped ₹500/month) on a low ₹499 RuPay-on-UPI card

Best suited for For committed Patanjali households spending up to ₹5,000 a month at its stores — exactly the ₹500 monthly cashback cap. Beyond that, and for non-Patanjali spending, a general cashback card pays more.

The RBL TVS Credit Card is an entry co-brand issued with TVS Credit, earning 2 reward points per ₹100 on online spends (capped at 1,000 points a month, about ₹50,000 of online spend) and 1 point per ₹100 in-store. Points are worth roughly ₹0.25 each, so the effective online rate is about 0.5% — thin. Its more tangible draws are the welcome bonus (2,000 points on first purchase), a fuel surcharge waiver, a buy-one-get-one movie ticket on ₹10,000 monthly spend, and one executive railway-lounge visit a quarter. A long exclusion list (fuel, utilities, rent, insurance, wallets, EMI) keeps rewards to core retail. The fee is ₹500 + GST and RBL publishes no spend-based waiver on this card, so budget for it every year.

Why it stands out Entry co-brand with 2 reward points per ₹100 online (capped) and a railway-lounge perk for a low ₹500 fee

Best suited for For TVS Credit customers and first-time cardholders who want a low-fee card with a fuel-surcharge waiver and railway-lounge access, and whose online spend fits inside the 1,000-point monthly cap.