RBL Bank Novio RuPay Credit Card
Rewards & Benefits
Welcome Benefits
Users will earn 2,000 reward points on spending Rs. 5000 or more within 30 days of card issuance.
Milestone Benefits
Cashback Rate
Movie Benefits
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges
Joining Fee
Annual Fee
Cash Advance Fee
Interest rate
3.99% p.m (upto 47.88% p.a).
Late Payment Fee
Foreign Currency Transactions Fee
Other Fees
Cons
Limited benefits.
Low cashback rate.
Welcome benefits: Users will earn 2,000 reward points on spending Rs. 5000 or more within 30 days of card issuance.
Reward System: Users will earn 2 reward points for every Rs. 100 spent on online. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.50%. For every other spent, users will get 1 reward point that translates to cashback rate of 0.25%.
Milestone benefits: Users will get 1000 reward points on achieving annual milestone spending of INR 1,50,000. Users will receive 2,000 reward points on crossing the yearly milestone of Rs. 3 lakhs.
Users can link their credit card to UPI and make payments.
Rewards & Benifits
Welcome Benefits
Users will earn 2,000 reward points on spending Rs. 5000 or more within 30 days of card issuance.
Rewards System
International Forex Markup
3.5%
Welcome Benefits and Reward System
Special Features
Users can link their credit card to UPI and make payments.
Eligibility Criteria
Not specified by the bank.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Here are the steps on how to apply for the RBL Bank Novio RuPay Credit Card:
Go to the RBL Bank website and click on the "Apply for Credit Card" tab.
Select the "RBL Bank Novio RuPay Credit Card" from the list of credit cards.
Enter your personal details, such as your name, date of birth, email address, and mobile number.
Enter your employment details, such as your employer's name, your designation, and your monthly income.
Provide your residential address and your PAN card number.
Upload a scanned copy of your PAN card.
Click on the "Submit" button.
An RBL Bank representative will contact you to verify your details and to complete the application process.
Contact Details
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome benefits: Users will earn 2,000 reward points on spending Rs. 5000 or more within 30 days of card issuance.
Reward System: Users will earn 2 reward points for every Rs. 100 spent on online. The value of 1 reward point is Rs. 0.25. So the effective cashback rate is 0.50%. For every other spent, users will get 1 reward point that translates to cashback rate of 0.25%.
Milestone benefits: Users will get 1000 reward points on achieving annual milestone spending of INR 1,50,000. Users will receive 2,000 reward points on crossing the yearly milestone of Rs. 3 lakhs.
Users can link their credit card to UPI and make payments.
Limited benefits.
Low cashback rate.
The card offers low cashback rate, the value add features offered by the card are also below par.
The card offers low cashback rate, the value add features offered by the card are also below par.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining/Annual Fees: Rs 499.
Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500)
Interest Rate: upto 3.99% p.m (upto 47.88% p.a)
Late Payment fees: 15% of Total amount due (Min Rs.50, Max Rs.1,500).
Foreign Mark up: 3.5%.
Fuel Surcharge: 1% surcharge on fuel transaction value or Rs.10/- whichever is higher.
Reward Redemption fees: INR 99.
Rental fees: 1% fees on all rental transaction.
Over Limit Penalty: INR 600.
EMI Processing fees : INR 199 + GST
Fuel Surcharge
1% surcharge on fuel transaction value or Rs.10/- whichever is higher.
Billing Cycle
Up to 30 days