In-depth review
RBL Bank TVS Gold Credit Card
The mid-tier step-up in RBL's TVS co-brand line — a ₹1,500 card that adds airport-lounge access, EazyDiner dining cashback, quarterly vouchers and a bigger welcome bonus. The base domestic earn is still only about 0.5%, so this is a perk-and-milestone card whose value depends on hitting the spend thresholds.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
5% cashback at EazyDiner
5% cashback on EazyDiner bookings, capped at ₹250 a month
2.5% on International
10 reward points per ₹100 on international spends (~2.5%); the standard exclusions do not apply abroad
Airport Lounge Access
Domestic lounge — 1 visit on ₹50,000 quarterly spend (2 on ₹75,000); international — 1 visit per calendar quarter on ₹1 lakh of quarterly spend
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹200/month
Milestone Bonus
~₹1,500 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
✓
International lounges
₹6,000
Estimated annual value
3.5%
Forex markup
- Domestic + international airport lounge access (4 domestic visits/yr, worth ~₹6,000)
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
5.0%
Dining cashback rate
PARTNER PLATFORMS
- 5.0% return on restaurant and dining spends
- Accelerated earn on: EazyDiner
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.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Diningonly at EazyDiner | cashback | 5% | ₹250 |
| International | reward points | 2.5%10 pts/₹100 × ₹0.25 | — |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
Dining: 5% cashback on EazyDiner bookings, capped at ₹250 a month · EazyDiner
International: 10 reward points per ₹100 on international spends (~2.5%); the standard exclusions do not apply abroad
Other: 2 reward points per ₹100 on domestic spends (~0.5%). Fuel, utilities, rent, insurance, wallets & EMI are excluded from earning
Earns nothing on: Fuel · Utility Bills · Insurance · Cash Advances · Rent · Education · Wallet Loads · Government & Tax · 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 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,770 |
| Joining fee (incl. 18% GST) | ₹1,770 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹200 |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹10,700/yr in total.
1% fuel surcharge waiver up to ₹200/month on fuel spends between ₹400 and ₹5,000
Domestic lounge — 1 visit on ₹50,000 quarterly spend (2 on ₹75,000); international — 1 visit per calendar quarter on ₹1 lakh of quarterly spend
6,000 bonus reward points on reaching ₹2.5 lakh of annual spend
A ₹500 shopping or dining voucher (Amazon, Flipkart, Swiggy or Zomato) for every ₹50,000 of spend in a calendar quarter — four a year at a steady ₹50,000 a quarter (₹2 lakh annual equivalent)
Milestone ladder
- ₹2,00,000 a year₹2,000 of value
- ₹2,50,000 a year₹1,500 of value
Should you get it?
- Best for: TVS Credit customers wanting lounge access and dining cashback, Mid-spenders who hit the quarterly voucher and lounge thresholds
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on International (2.5% back; 5% only at EazyDiner).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 6,000-point welcome bonus and 6,000-point annual milestone
- Domestic and international airport-lounge access on spend thresholds
- 5% EazyDiner dining cashback (up to ₹250/month) and quarterly ₹500 vouchers
- 10 points per ₹100 (~2.5%) on international spends
✕ Cons
- Domestic earn is only about 0.5% once points are valued at ₹0.25
- Lounge and voucher benefits are gated behind quarterly spend thresholds
- Wide exclusion list — fuel, utilities, rent, insurance, wallets and EMI do not earn
- ₹1,500 fee is steep for the base reward rate; needs the perks to pay off
- No spend-based fee waiver — RBL publishes none for this card, so the ₹1,500 recurs every year
- ₹99 + GST reward redemption fee via the RBL rewards portal
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points for vouchers and merchandise via the RBL rewards catalogue (₹99 + GST redemption fee)
- 🎁Use quarterly milestone vouchers with Amazon, Flipkart, Swiggy or Zomato
- 🎁Claim EazyDiner dining cashback as a statement adjustment
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
The domestic reward rate is low once points are valued honestly (~0.5%), lounge and voucher benefits are gated behind quarterly spend thresholds, and the same wide exclusion list means fuel, utilities and rent earn nothing.
Frequently asked questions
What network is the RBL TVS Gold on?
How does the lounge access work?
Is the ₹1,500 fee worth it?
Is the annual fee waived on spending?
What interest rate does the card charge?
What is the welcome benefit?
How has the RBL Bank TVS Gold Credit Card changed over time?
Has the RBL Bank TVS Gold Credit Card been devalued recently?
When did the RBL Bank TVS Gold Credit Card's fees last change?
How did the RBL Bank TVS Gold Credit Card change in 2024?
The bottom line
The Gold card justifies its ₹1,500 fee through perks rather than base rewards — lounge access, dining cashback and milestone vouchers can outweigh the fee for a mid-spender who hits the thresholds. But the domestic earn is still only about 0.5%, so this is a perk-and-milestone card, not a high-return everyday one.
How this page was built
Counted from this card’s own record: 3 earn rules, 1 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 4 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank TVS Gold 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 11 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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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 2023 · 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 October 2024 RBL narrowed earning across its cards: bonus milestone points stopped accruing on Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet and similar categories, and no base reward points at all on Education, Government Services, Contracted Services, Cash and Bills2Pay. On the TVS Gold this shrinks the spend base that reaches the ₹2.5 lakh annual milestone and the ₹50,000-a-quarter voucher thresholds.
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 October 2024 RBL added a 1% fee on every fuel and auto transaction exceeding ₹10,000, capped at ₹3,000 per transaction, alongside new 1% fees on high-value utility spends (over ₹50,000/month) and third-party-app education payments. This is separate from the card's standard 1% fuel-surcharge waiver on ₹400–5,000 fuel spends, which continues.
Verification: RBL Bank ↗ · Confidence: High
2023
- ◆ LaunchEffective 2023
TVS Gold launched as the mid-tier TVS co-brand
RBL Bank and TVS Credit launched the TVS Gold Credit Card as the ₹1,500 step-up over the base TVS card. It earned 2 reward points per ₹100 on domestic spends and 10 per ₹100 on international spends (points ≈ ₹0.25), a 6,000-point welcome bonus, 5% EazyDiner dining cashback (capped ₹250/month), ₹500 quarterly vouchers on ₹50,000 of quarterly spend, spend-gated domestic and international lounge access and a ₹200/month fuel-surcharge waiver, with fuel, utilities, rent, insurance, wallets and EMI excluded from earning. Exact launch date is undocumented; the TVS Credit co-brand line was in market by 2023.
Verification: CardAdvisor Research · 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-tvs-credit-gold#value-timeline">RBL Bank TVS Gold Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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