RBL states on the card’s own page that the BankBazaar SaveMax Pro “can be sourced through invite only”. It is a distribution co-brand rather than a relationship card, so there is no public application form and no spend threshold that earns an invitation.
How to get an invitation
- Watch for a BankBazaar pre-approved offer. The card is sourced through BankBazaar, so any invitation reaches you there — check the pre-approved section of a BankBazaar account tied to your PAN.
- Consider the lifetime-free SaveMax instead. The entry-tier BankBazaar SaveMax is openly available, earns the same accelerated grocery category, and charges nothing — for most spending patterns it is the better card to actually hold.
- Hold an existing RBL card in good standing. RBL sources co-brand upgrades from its own base, so a clean repayment record on any RBL card is the one thing within your control.
What issuers look for
- A BankBazaar profile that RBL’s sourcing partner has pre-screened
- Clean repayment history — RBL publishes no income or bureau floor for this card
Observed patterns, not criteria the bank publishes. Any income or score level here is indicative.
Sourced through BankBazaar by invitation only; RBL publishes no public application route.
In-depth review
RBL Bank BankBazaar SaveMax Pro Credit Card
The accelerated, paid sibling of the SaveMax: 10X reward points on groceries and 5X on fuel, a 5,000-point welcome, and a two-rung milestone ladder — but each accelerator caps at 1,000 points a month, everyday spend earns only 2X, the ₹1,499 fee has no waiver, and RBL sources the card by invitation only.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,250 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
2.5% on Groceries
10X reward points on groceries (10 points per ₹100, ~2.5% value), capped 1,000 points/month (~₹10,000 spend)
1.25% on Fuel
5X reward points on fuel (5 points per ₹100, ~1.25% value), capped 1,000 points/month (~₹20,000 spend)
Movie Ticket Benefit
10% instant discount on BookMyShow, up to ₹100 per month
Milestone Bonus
~₹1,000 in bonus rewards on hitting annual spend milestones
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 10% instant discount on BookMyShow, up to ₹100 per month
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.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 2.5%10 pts/₹100 × ₹0.25 | ₹250 |
| Fuel | reward points | 1.25%5 pts/₹100 × ₹0.25 | ₹250 |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
Groceries: 10X reward points on groceries (10 points per ₹100, ~2.5% value), capped 1,000 points/month (~₹10,000 spend)
Fuel: 5X reward points on fuel (5 points per ₹100, ~1.25% value), capped 1,000 points/month (~₹20,000 spend)
Other: 2X reward points on all other spends (2 points per ₹100, ~0.5% value); ₹99 redemption fee applies
Earns nothing on: Utility Bills · Insurance · Education · Government & Tax · Cash Advances · Rent · Wallet Loads · EMI Conversions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹2,700/yr in total.
A further 4,000 milestone reward points on ₹4 lakh of annual spend
2,000 milestone reward points on ₹2 lakh of annual spend
10% instant discount on BookMyShow, up to ₹100 per month
Milestone ladder
- ₹2,00,000 a year₹500 of value
- ₹4,00,000 a year₹1,000 of value
Should you get it?
- Best for: Households with heavy, concentrated grocery and fuel spend, Existing RBL/BankBazaar customers who will fill both accelerator caps
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Groceries (2.5% back).
Pros & cons
✓ Pros
- 10X reward points on groceries and 5X on fuel within the caps
- 5,000-point welcome plus 2,000 milestone points at ₹2 lakh and a further 4,000 at ₹4 lakh
- 10% off Zomato and BookMyShow (₹100/month each)
- Free monthly credit-advisory report via BankBazaar
✕ Cons
- Sourced by invitation only — RBL publishes no open application route
- Grocery and fuel accelerators each capped at 1,000 points/month
- Everyday spend earns only 2X (~0.5% value)
- Utilities, insurance, education, government services, rent, wallets, cash and EMI conversions earn nothing
- ₹1,499 fee with no spend-based waiver
- ₹99 + GST reward-redemption fee per redemption day
Eligibility
RBL Bank publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any income or score level in the panel above is indicative of the profile the bank extends the card to, not a threshold it states, and the same goes for any salary figure quoted for it elsewhere.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Statement credit against reward points
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
Both headline accelerators are capped at 1,000 points/month (grocery ~₹10,000 spend, fuel ~₹20,000), everyday spend earns only 2X, and the ₹1,499 fee has no spend-based waiver.
Frequently asked questions
How large are the grocery and fuel caps?
What is the welcome benefit?
Can I apply for the SaveMax Pro directly?
What are the milestone benefits?
Which spends earn no reward points?
Is the ₹1,499 fee waived on spends?
How much is a reward point worth?
How has the RBL Bank BankBazaar SaveMax Pro Credit Card changed over time?
Has the RBL Bank BankBazaar SaveMax Pro Credit Card been devalued recently?
When did the RBL Bank BankBazaar SaveMax Pro Credit Card's fees last change?
How did the RBL Bank BankBazaar SaveMax Pro Credit Card change in 2024?
The bottom line
SaveMax Pro is a capped category card: 10X groceries and 5X fuel are genuinely useful within their 1,000-point monthly ceilings, and the 5,000-point welcome plus milestones cover much of the ₹1,499 fee in year one. But the caps are tight, everyday spend earns only 2X, and there is no fee waiver — so the value depends on filling both accelerators every month. Match your grocery and fuel spend to the caps and it works; miss them and the fee is hard to recover.
How this page was built
Counted from this card’s own record: 3 earn rules, 2 of them capped, the spends listed as earning nothing and 3 recorded perks.
Last updated 24 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank BankBazaar SaveMax Pro Credit Card are taken from RBL Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 24 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2022 · last change Jan 2026
2026
- ▼ FeeObserved Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee→1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2024
- ▼ RewardEffective 15 Oct 2024
Milestone & reward points excluded on many categories
Most spends counted for milestones/points→Key categories excluded from milestones & points
Effective 15 Oct 2024 RBL further narrowed earning across its RP cards: bonus milestone points no longer accrue on Fuel & Auto, Utilities, Insurance, Education, Quasi-Cash, Rental and similar categories, and no reward points at all on Education, Government Services, Contracted Services, Cash and Bills2Pay. For SaveMax Pro this shrinks the spend base feeding the ₹2 lakh and ₹4 lakh milestone points; the grocery and fuel accelerators themselves were untouched.
Verification: RBL Bank ↗ · Confidence: High
- ▼ FeeEffective 15 Oct 2024
New 1% fee on large fuel & auto transactions
No transaction fee on fuel/auto→1% on each fuel/auto txn over ₹10,000
From 15 Oct 2024 RBL added a 1% fee on every fuel and auto transaction exceeding ₹10,000, capped at ₹3,000 per transaction, plus new fees on high-value utility (over ₹50,000/month) and third-party education payments. This bites directly on SaveMax Pro's 5X-fuel proposition: large single fuel fills now carry the 1% charge even while earning accelerated points. The standard 1% fuel-surcharge waiver on ₹500–4,000 fuel spends continues.
Verification: RBL Bank ↗ · Confidence: High
2023
- ▼ RewardEffective 9 Oct 2023
Base reward points removed on wallet, rental, utility & similar spends
2X base points on most non-accelerator spends→No points on wallet, rental, utility, insurance, railways & misc
From 09 Oct 2023 RBL stopped awarding reward points across its standard programme on Insurance, Wallet loads, Fuel, Utility, Rental, Railways and Miscellaneous transactions. On SaveMax Pro the grocery (10X) and fuel (5X) co-brand accelerators continued, but base 2X earning fell away on the newly-excluded categories — reflected today in the card's Rent, Wallet-load and EMI-conversion exclusions.
Verification: RBL Bank ↗ · Confidence: High
2022
- ◆ LaunchEffective Sept 2022
RBL BankBazaar SaveMax Pro launched as the paid accelerated tier
RBL Bank and BankBazaar extended their SaveMax co-brand line (base card launched early 2022) with the paid SaveMax Pro tier around September 2022: 10X reward points on groceries and 5X on fuel (each capped at 1,000 points/month), 2X on all other spends, a 5,000-point welcome benefit, and milestone points at ₹2 lakh and ₹4 lakh of annual spend. Joining/annual fee ₹1,499 + GST with no spend-based waiver; reward points redeem at ~₹0.25 with a ₹99 redemption fee. Exact launch day undocumented — dated from the card's own RBL terms PDF (filename 'sept-22').
Verification: RBL Bank ↗ · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/rbl-bankbazaar-savemax-pro#value-timeline">RBL Bank BankBazaar SaveMax Pro Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).