RBL Bank RuPay Credit
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns points
First-year fee
₹0
NILHow it compares
Compared with the cards we have read
Fees
Joining fee
₹0NIL
Rewards
Reward exclusions
Offline UPI transactions under ₹2,000 done at small merchants will not be eligible for rewards points.
Voucher and product redemption
Earn Rewards Points and use it for gifts/vouchers of their choice.
Also included
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
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
Markup Charges 3.5% on all cards for Foreign Currency Transaction/Dynamic & Static Conversion Transactions.
Cash advance fee
2.5% of the Cash Amount withdrawal (min. ₹500)
Cash advance interest
Finance Charges for both Revolving Credit & Cash Advances upto 3.99% p.m. (upto 47.88% p.a.)
Cash withdrawal limit
Cash Withdrawal Limits are the maximum assigned limits communicated at the time of delivery of the Credit Card and are also indicated on the monthly statements
Interest on unpaid balance
Upto 3.99% p.m. (upto 47.88% p.a.)
Interest-free period
Up to 50 days
Late payment fee
12.5% of Total Outstanding Amount, late payment fees ranges from ₹5 - ₹1,300.
Over-limit fee
Overlimit 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
NIL, unless mentioned otherwise
Cash payment / cash deposit fee
Cash Payment at RBL Bank Branches ₹100.
Education / school fee charge
1% fee will be charged on Education Payments made through third-party applications.
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2.5% of the cash amount withdrawn (Minimum ₹500/-); the Cardmember can use the Credit Card to withdraw cash from any ATMs in India and/or overseas in accordance with the compatibility of the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 earned on all Credit Cards
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
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 will be charged on aggregate utility spends of more than ₹50,000 per month per Card.
GST note
GST shall be applicable as per 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)
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
This period will be free of interest for retail transactions and if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
How we know - 4 documents from RBL Bank, checked 19 Oct 2026
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