First-year fee
₹0
Annual fee
₹499 a year.
How it compares
Compared with the cards we have read
Fees
Annual fee
₹499 a year.
Joining fee
₹0
Fee waiver rule
Spend Based Waiver: Spend ₹50,000 in a year and get waiver if Next year Annual Fee#500
Add-on card fee
Add-on Card Fee ₹0-5,000 per Add-on Cardmember
Welcome offer
Welcome benefit
Welcome Gift: ₹500 gift voucher (No welcome rewards will be given to First Year Free cards)500.
Rewards
Groceries earning
5% cashback (credited as reward points) on all grocery spends, up to ₹250 per month
Reward exclusions
Base reward points will not be accrued on EMI conversion of retail transactions for all RBL Bank Credit Cards.
Reward caps
5% Cashback on all Grocery spends (up to ₹250 per month)
Card benefits
Domestic lounge access
W.E.F July 01, 2025, we have discontinued the lounge benefits for this card
Movie or entertainment ticket benefit
1+1 Bookmyshow offer on movie tickets (up to ₹200), on any 1 Day of the month (Any Day)
Also included
Surcharge on railway tickets
Surcharge on Purchase/Cancellation of 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
Purchase to EMI conversion
Merchant EMI Processing Fee: 1.5% of the amount or ₹150 whichever is higher on all EMI conversions done at the time of making transaction through RBL Bank Credit Cards at merchant outlet/website/app.
Charges
Forex markup
3.5% on foreign currency transactions.
Cash advance fee
2.5% of the cash amount withdrawn, minimum ₹500
Interest on unpaid balance
Up to 3.99% p.m. (47.88% p.a.)
Interest-free period
Up to 50 days
Late payment fee
12.5% of total outstanding amount, ₹5 to ₹1,300.
Eligibility
Eligibility
Applicant: above the age of 18 years.
How we know - 5 documents from RBL Bank, checked 2 Nov 2026
₹499 a year
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