RBL Bank RuPay Credit
RBL Bank
Annual / renewal fee
Membership Fee: ₹0 - ₹50,000 as per card variant (₹0 - ₹5,000 per Add-on card).
VerifiedMITC – RBL Bank Credit Cards (covers RuPay)4 Aug 2026, 9:35 AM ISTRBL Bank
Earn rate
- IRCTC RBL Bank Credit Card: 1 Reward Point per ₹200 on all other spends.
- 5 Reward Points per ₹200 on train ticket booking (all classes) via IRCTC website/app.
- 3 Reward Points per ₹200 on FASTag recharge via RBL digital channels/NCMC reload/UTS app.
- 2 Reward Points per ₹200 on flights/hotel ticket booking via IRCTC website/app.
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at rbl.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at rbl.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
RBL Bank RuPay Credit by RBL Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (NIL for Primary & Add-on Cardmember).
VerifiedMITC – RBL Bank Credit Cards (covers RuPay)4 Aug 2026, 9:35 AM ISTRBL Bank
Annual / renewal fee
Membership Fee: ₹0 - ₹50,000 as per card variant (₹0 - ₹5,000 per Add-on card).
VerifiedMITC – RBL Bank Credit Cards (covers RuPay)4 Aug 2026, 9:35 AM ISTRBL Bank
Fee waiver
- IRCTC RBL Bank Credit Card: Waiver of 1% transaction charges on train ticket booking through IRCTC for transaction amount up to ₹5,000, capped at ₹200 per month.
- Waiver on refund amount reversed in case of ticket cancellation.
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Rewards
- IRCTC RBL Bank Credit Card: 1 Reward Point per ₹200 on all other spends.
- 5 Reward Points per ₹200 on train ticket booking (all classes) via IRCTC website/app.
- 3 Reward Points per ₹200 on FASTag recharge via RBL digital channels/NCMC reload/UTS app.
- 2 Reward Points per ₹200 on flights/hotel ticket booking via IRCTC website/app.
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM IST
Redemption value
- IRCTC RuPay variant: Reward Points redeemable at value of ₹1 per Reward Point at IRCTC Website/App (via iPay at time of ticket booking).
- Reward redemption fee of ₹99 + GST applies on all cards (waived for certain premium/co-brand cards including IRCTC Credit Card for RBL Rewards Conversion >5000).
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Reward cap
Maximum 1000 reward points per month (one billing cycle) each on train ticket booking, FASTag Recharge, and flights/hotel ticket booking accelerated categories.
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Reward exclusion
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Travel & lounge
Lounge access
- IRCTC RuPay variant: 2 complimentary executive Railway Lounge accesses per calendar quarter at select railway lounges (Primary Cardholder only).
- Validation charge of ₹2 on RuPay Network / ₹25 on MasterCard Network.
- Includes 2 hours lounge stay, 1 buffet meal, tea/coffee, changing room, newspaper, magazine (facilities may vary).
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Travel benefit
- Train Cancellation Shield: complimentary protection coverage (ex-gratia) for confirmed/RAC bookings cancelled from IRCTC within 24 hours from actual departure time.
- Max 1 claim in 6 months, max 3 claim attempts in 6 months.
- Claim raised within 7 days of alternate journey completion.
- Only domestic train travel.
- One-way alternate ticket rebook eligible.
- Local/goods trains and unreserved/non-AC classes excluded.
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
IRCTC RuPay variant: 500 Reward Points as Welcome Benefit on making an eligible retail transaction above ₹500 within 30 days from date of card issuance and on paying the annual membership fee as reflected in the first statement by the payment due date (credited within 60 days of card issuance; once per cardmember).
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Insurance
- Select Credit Card variants offer complimentary insurance coverage for the Cardmember.
- Policy coverage starts from the date of Credit Card set up (refer Product Terms & Conditions for nominee/T&C details).
VerifiedMITC – RBL Bank Credit Cards (covers RuPay)4 Aug 2026, 9:35 AM ISTRBL Bank
Milestone benefit
IRCTC RBL Bank Credit Card: 500 Reward Points on calendar quarter spends of ₹75,000 (excluding defined exclusion categories, EMI transactions, cash withdrawals, fees, charges and GST).
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Statement credit
IRCTC RuPay variant: Waiver of 1% transaction charges on train ticket booking through IRCTC, applicable for transaction amount up to ₹5,000, capped at ₹200 per month (waiver reversed on ticket cancellation).
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Foreign Currency Transaction / Dynamic & Static Conversion markup: 3.5% on all cards (2% on Nova; 1.5% on Insignia, Insignia Prime, World Xclusive and iGlobe; 0% on World Safari, World Safari Lite, World Safari Plus and Lumiere).
VerifiedMITC – RBL Bank Credit Cards (covers RuPay)4 Aug 2026, 9:35 AM ISTRBL Bank
Charge
- Cash advance fee: 2.5% of cash amount withdrawn (min ₹500).
- Finance charges: up to 3.99% p.m. (47.88% p.a.).
- Category A (>775) 3.35% p.m., Category B (725-775) 3.85% p.m., Category C (<725) 3.99% p.m. Late Payment Fee: 12.5% of Total Outstanding Amount, ranges ₹5 - ₹1,300.
- Overlimit fee: NIL.
- Reward redemption fee: ₹99 + GST (waived for IRCTC Card on RBL Rewards Conversion >5000).
- Cheque return/dishonour fee: ₹500.
- Cash payment at RBL Bank branches: ₹100 + GST per transaction.
- Add-on card: ₹200 annual fee.
- Card replacement: NIL unless mentioned otherwise.
- Duplicate statement fee: NIL.
- Merchant EMI processing fee: 1.5% or ₹150 (whichever higher).
- Fee on rental transactions: 1%.
- Fee on utility spends: 1% on aggregate utility spends over ₹50,000/month.
- Fee on fuel & auto transactions: 1% on each transaction exceeding ₹10,000 (max ₹3000/txn).
- Fee on select education payments via third-party apps: 1%.
- Fee on FASTag loading/toll payment: 1% on transactions above ₹10,000 per transaction per card (w.e.f. January 07, 2026).
- GST at 18% on all fees & charges.
VerifiedMITC – RBL Bank Credit Cards (covers RuPay)4 Aug 2026, 9:35 AM ISTRBL Bank
Fuel surcharge waiver
- Fuel Surcharge is levied by the Merchant Bank.
- RBL Bank debits the cost of fuel along with charges and taxes as instructed by the Merchant Bank at actual (no defined fuel surcharge waiver stated for this card).
VerifiedMITC – RBL Bank Credit Cards (covers RuPay)4 Aug 2026, 9:35 AM ISTRBL Bank
Interest-free period
- Up to 50 days interest-free (grace) period.
- Not applicable if previous month's balance is not cleared in full or if cash withdrawn from an ATM.
VerifiedMITC – RBL Bank Credit Cards (covers RuPay)4 Aug 2026, 9:35 AM ISTRBL Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the RBL Bank RuPay Credit?
Officially traced: Membership Fee: Rs. 0 - Rs. 50,000 as per card variant (Rs. 0 - Rs. 5,000 per Add-on card).
MITC – RBL Bank Credit Cards (covers RuPay)What is the joining fee on the RBL Bank RuPay Credit?
Officially traced: Rs. 0 (NIL for Primary & Add-on Cardmember).
MITC – RBL Bank Credit Cards (covers RuPay)Is the RBL Bank RuPay Credit annual fee ever waived?
IRCTC RBL Bank Credit Card: Waiver of 1% transaction charges on train ticket booking through IRCTC for transaction amount up to Rs. 5,000, capped at Rs. 200 per month.
Product Terms & Conditions – IRCTC RBL Bank RuPay Credit CardHow does the RBL Bank RuPay Credit earn rewards?
IRCTC RBL Bank Credit Card: 1 Reward Point per Rs. 200 on all other spends.
Product Terms & Conditions – IRCTC RBL Bank RuPay Credit CardWhat lounge access does the RBL Bank RuPay Credit include?
IRCTC RuPay variant: 2 complimentary executive Railway Lounge accesses per calendar quarter at select railway lounges (Primary Cardholder only).
Product Terms & Conditions – IRCTC RBL Bank RuPay Credit CardWhat welcome benefit does the RBL Bank RuPay Credit offer?
IRCTC RuPay variant: 500 Reward Points as Welcome Benefit on making an eligible retail transaction above Rs. 500 within 30 days from date of card issuance and on paying the annual membership fee as reflected in the first statement.
Product Terms & Conditions – IRCTC RBL Bank RuPay Credit CardWhat are the transfer ratios for RBL Bank RuPay Credit points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.rbl.bank.in/rbl-bank-rupay-credit-card.
VerifiedProduct Terms & Conditions – IRCTC RBL Bank RuPay Credit Card4 Aug 2026, 9:35 AM ISTRBL Bank
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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