RBL Bank Lumiere Credit Card

Annual fee

₹50,000 a year.₹50,000 in the 1st year; ₹50,000 from the 2nd year onwards

Add-on card fee

₹0Nil for three Add-on Cards, INR 5,000 one-time fee per Card beyond three

Welcome benefit

Cardmembers can choose E - Gift Card of Taj Experiences or Marriott worth ₹30,000, upon making a retail transaction within 37 calendar days from the date of Card issuance and upon payment of annual membership fee

Reward rate

4 Reward Points per ₹200 · everyday spendsCardmember will earn 4 Reward Points per ₹200 spent on the Card.

What one reward unit is worth

Value of 1 Reward Point = ₹1 and can be redeemed on Flight Bookings, Hotel Reservations, Miles Transfer, Experiences, Events, Gifting, Gift Cards, Merchandise.

Point expiry

Reward Points accumulated will have no expiry date.

Airline and hotel partners points may move to

Cardmembers can transfer their accumulated Reward Points to participating airline and hotel loyalty programs: 1 Reward Point = 1 Partner Mile/Point.

Domestic lounge access

Primary Cardmember and accompanied guests can enjoy unlimited complimentary domestic lounge access in a calendar year.

International lounge access

Primary Cardmembers can enjoy unlimited complimentary airport lounges outside India in a calendar year; guests accompanied by Primary Cardmembers can enjoy 10 visits at airports outside India in a calendar year.

Hotel or travel programme

Cardmembers can enjoy complimentary annual membership of either the ITC Culinaire OR the Club Marriott, from the date of issuance.

Hotel or travel programme

Cardmember is entitled to 8 complimentary airport meet - and - greet services per calendar year.

Dining programme

The Cardmember can avail 25% discount up to ₹5,000 on India’s fine dine restaurants available at District/ Zomato app

Golf

Get unlimited complimentary rounds of golf in a year and 12 complimentary golf lessons in a year; available only for primary Cardmembers

Fuel surcharge waiver

Cardholder is eligible for 1% surcharge waiver on fuel purchase; eligible on fuel transaction between ₹500 and ₹10,000; capped at ₹1,000 per calendar month.

Surcharge on railway tickets

IRCTC Service Charges + Payment Gateway transaction charges (up to 1.8% of ticket amount + IRCTC service charges) as levied by Merchant Bank and IRCTC

Forex markup

0% on foreign currency transactions.0% markup on foreign currency transactions

Dynamic currency conversion markup

3.5%3.5% on all cards (Foreign Currency Transaction/Dynamic & Static Conversion Transactions - Markup Charges); markup fee will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas, similar to Forex charges for each product

Cash advance fee

2.5% of the cash amount (min ₹500)

Interest on unpaid balance

3.4% per month or 40.8% per annum.

Interest-free period

Up to 50 days

Late payment fee

12.5% of outstanding amount (max ₹1,300)

Over-limit fee

NIL

Payment return or dishonour fee

₹500 for all RBL Bank Credit Cards (Cheque Return/ Dishonour Fee; Auto Debit Reversal-Bank Account out of Funds)

Statement or duplicate statement fee

Duplicate Statement Fee NIL

Card replacement fee

Card Replacement (lost/ Stolen/Reissue/ any other Replacement) NIL, unless mentioned otherwise.

Cash payment / cash deposit fee

₹100/- cash deposit charges on transactions done at RBL Bank Branch.

Education / school fee charge

1% fee will be charged on Education Payments made through third-party applications such as Cred, Phonepe, Paytm, others (Not limited to mentioned merchants); education payments made via school/college website or their POS machines, no fees will be charged.

EMI conversion fee

Merchant EMI processing fee of 1.5% of the amount or ₹150/- (whichever is higher) will be levied for merchant EMIs.

Foreign ATM fee

2.5% of the cash amount withdrawn (Minimum ₹500/-); the Cardmember can use the Credit Card to withdraw cash from any ATMs in India and/or overseas in accordance with the compatibility of the Credit Card at the said ATM(s)

Reward redemption fee

Reward redemption fee of ₹99 + GST will be applicable on redemption of your available reward points; RBL Rewards Conversion >5000 (Fee Waived)

Fuel transaction fee

1% fee will be charged on each fuel and auto transaction exceeding ₹10,000 subject to a maximum of ₹3000 per transaction; the transaction amount includes surcharge amount and purchase amount

Rent transaction fee

1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant.

Utility transaction fee

1% fee on utility spends more than ₹50,000 per month per card.

GST note

GST shall be applicable at the rate prescribed under GST laws from time to time; currently, standard rate of 18% will be levied on all Fees & charges under this MITC

Grace days after the due date

Grace period of 3 days from the payment due date is provided for Card Accounts, where payments are not overdue.

Minimum amount due

Total GST + Current month EMI Debits + [Max of (100% of Fee/ Charges + 5% of (Retail Spends, Cash Advance, Interest)) or ₹200] + previously unpaid MAD (if any) + Overlimit Utilization Amount (if any); if Minimum Amount Due as per the above turns out to be higher than Total Amount Due, then Minimum Amount Due would be equal to Total Amount Due