Welcome benefits: Users will earn 2,000 reward points on spending Rs. 5000 or more within 30 days of card issuance.
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RBL Bank Novio RuPay Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefits: Users will earn 2,000 reward points on spending Rs. 5000 or more within 30 days of card issuance.
Milestone Benefits
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.
Cashback Rate
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%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome benefits: Users will earn 2,000 reward points on spending Rs. 5000 or more within 30 days of card issuance.
Milestone Benefits
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.
Cashback Rate
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%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
None.
Fees & Charges
Joining Fee
INR 499
Annual Fee
Nil
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2.5% of the cash amount withdrawn (minimum Rs 500)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 Fee
15% of Total amount due (Min Rs.50, Max Rs.1,500).
Foreign Currency Transactions Fee
3.5%
Other Fees
Fees & Charges
Joining Fee
INR 499
Annual Fee
Nil
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
upto 3.99% p.m (upto 47.88% p.a)
Late Payment Fee
15% of Total amount due (Min Rs.50, Max Rs.1,500).
Foreign Currency Transactions Fee
3.5%
Other Fees
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
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