Best RBL Bank Credit Cards in India 2025 – Cashback, Rewards & Travel Benefits

RBL Bank Credit Cards

RBL Bank, known formerly as Ratnakar Bank Limited, is a prominent private sector bank in India with a rich history dating back to its founding in August 1943. Headquartered in Mumbai, Maharashtra, RBL Bank has evolved significantly over the decades, offering a wide array of services across various banking verticals including consumer and corporate banking, finance and insurance, and credit cards. RBL Bank offers a diverse range of credit cards designed to cater to various consumer needs, featuring exclusive benefits and a comprehensive rewards program. The credit cards provided by RBL Bank include options for cashback, entertainment, travel, lifestyle, and more, ensuring that there is a card for every type of spender. RBL Bank's credit card portfolio is comprehensive, offering a card for nearly every type of spender. Whether you're looking to earn rewards, save on travel, or enjoy entertainment benefits, RBL Bank has a credit card that can enhance your spending experience while providing valuable rewards and benefits.

Top 5 Credit Cards Of RBL Bank

RBL Bank Icon Credit Card

Joining Fees: Nil for primary card & add-on cardholder
Interest Rate: 3.99% p.m (upto 47.88% p.a)
Welcome Benefit: 20,000 bonus reward points.
Special Feature: Get access to selected golf courses across the country.

A premium product from RBL Bank, the RBL Icon Credit Card is designed for people who want comfort and luxury in their financial dealings. Cardholders are rewarded with 20,000 extra Reward Points upon joining, which is equal to an annual cost of Rs. 5,000 + GST. With up to 20 Reward Points per Rs. 100 spent, the card is especially advantageous for dining out on weekends and making foreign purchases. In addition, cardholders receive two free domestic lounge visits each quarter and a free Priority Pass membership for international lounge access, with the possibility of earning up to 45,000 additional Reward Points yearly based on their expenditure. The card also offers 4 complimentary golf games and 12 golf lessons each year, making it an attractive option for golf enthusiasts. With the RBL Icon Credit Card, users can experience a blend of luxury, convenience, and rewards, making it a notable choice for those who value premium experiences and rewards on their spending.

RBL Bank Shoprite Credit Card

Joining Fees: Rs. 500 2nd Year Annual fees is waived off on annual spends of Rs 1.5 lac or more
Interest Rate: 3.99% p.m (up to 47.88% p.a)
Welcome Benefit: 2000 bonus reward points.
Special Feature: 20 Reward Points for every Rs.100 when you use your card for in-store grocery shopping. General cashback Rate: 5%. (Grocery and Shopping).

With a range of perks, the RBL Shoprite Credit Card is intended to provide value to its customers, especially for those who often spend money on groceries and petrol. 5% value back on grocery purchases is available to cardholders, which can result in substantial savings for frequent shoppers. Furthermore, the card provides 2.5% value back on fuel purchases, which is advantageous for individuals who frequently commute or travel by automobile. The card offers a 10% discount on movie tickets for movie buffs. It's also important to remember that this credit card has no annual fee provided specific spending requirements are fulfilled, which makes it an affordable choice for customers. The card's reward points system is another attractive feature, offering up to 1,000 reward points every month on grocery spends. With these points, cardholders can redeem rewards or discounts, further enhancing the card's value proposition. Overall, the RBL Shoprite Credit Card is a versatile financial tool that caters to a range of everyday spending activities, offering both savings and rewards.

RBL MoneyTap Black Credit Card

Joining Fees: Nil for primary card & add-on cardholder
Interest Rate: 3.99% p.m (up to 47.88% p.a)
Welcome Benefit: 2000 bonus reward points.
Special Feature: Get 1,000 Reward Points every month on making at least 5 transactions of INR 1,000 or more.

A flexible financial instrument made to meet the wide range of demands of contemporary consumers is the RBL MoneyTap Black Credit Card. It gives consumers freedom and financial management by combining the features of a personal line of credit with a credit card in a novel way. People who use this card can take advantage of numerous advantages like excellent welcome bonuses, faster rewards on online shopping, and reward points on every transaction. In addition, cardholders are eligible for special savings on meals, movie tickets, and other items. The card also improves the travel experience by waiving fuel surcharges and providing free access to airport lounges. The MoneyTap app makes managing credit and transactions even easier by facilitating easy financial transfers and the conversion of purchases into EMIs. For those looking to maximize their financial potential while enjoying a range of lifestyle benefits, the RBL MoneyTap Black Credit Card presents an attractive option.

RBL Bank Paisabazar Duet Card Plus

Joining Fees: INR 1499 + GST
Interest Rate: 3.99% p.m (up to 47.88% p.a)
Welcome Benefit: Rs. 250 cashback on making card purchases within 30 days of card issuance.
Special Feature: Buy one get one free offer on movie tickets.

With the ability to manage your finances with freedom, the RBL Paisabazar Duet Plus Credit Card is a unique financial product that combines the qualities of a credit card with a credit line. A welcome bonus offered by this card is INR 250 in cashback on transactions made during the first thirty days after issuance. Subject to monthly restrictions, users can receive 2.5% cashback on eating and travel spending and 1% cashback on other online and point-of-sale transactions. In addition, cardholders are eligible for a fuel cost waiver of up to INR 100 per month on transactions between INR 500 and INR 4,000 as well as a 1+1 BookMyShow movie ticket offer once a month for weekend shows. The card comes with an annual fee of INR 1,499 plus GST, which can be waived off if annual spends exceed INR 4 lakhs. It also allows money transfers from the credit line to a bank account, which can be paid back in EMIs, providing a seamless integration of credit card benefits with the flexibility of a personal loan.

RBL Bank World Safari Credit Card

Joining Fees: Nil for primary card & add-on cardholder
Interest Rate: 3.99% p.m (up to 47.88% p.a)
Welcome Benefit: Customers get MakeMyTrip Voucher worth INR 3000.
Special Feature: 0% forex markup.

Travel aficionados will find a number of advantages on the RBL Bank World Safari Credit Card, which is tailored to their needs. Cardholders can benefit from a 0% markup fee on foreign currency transactions with an annual membership cost of INR 3,000 + GST. This is a major savings for individuals who go overseas frequently. Along with milestone bonuses like INR 3,000 in MakeMyTrip vouchers upon activation, the card also offers reward points that accrue with travel purchases. You may earn 5 Travel Points for every INR 100 spent on travel and 2 Travel Points for every INR 100 spent on other costs. Travel insurance, a fuel price waiver, and free lounge visits at both local and international airports are additional benefits.

Welcome Benefits

RBL Bank Shoprite Credit Card: The Cardholder is entitled to a ‘welcome benefit’ of 2000 reward points on making a valid retail transaction within 30 days from the date of the Card being issued by RBL Bank, and by paying the joining fees.

RBL Bank Platinum Maxima Plus Card: The cardholder will get 10,000 reward points upon making a valid retail transaction within 30 days from the date of issuance of the Card, and upon paying the joining fees.

RBL Bank Monthly Treats Credit Card: None (As the card is no longer taking new applications).

RBL Bank World Safari Credit Card: Cardholders get a MakeMyTrip voucher worth INR 3000/- as a welcome Gift.

RBL Bank Lazy Pay Credit Card: Cardholders can earn cashback of Rs. 250 on making spends within the first 30 days of card issuance.

RBL Bank Platinum Maxima Credit Card: The Cardholder gets 8,000 Reward points as a welcome benefit.

RBL Bank Platinum Delight Credit Card: Upon card activation, cardholders receive a generous welcome bonus of 4,000 reward points, equivalent to Rs. 400 cashback.

RBL Bank Icon Credit Card: Cardholders get 20,000 bonus reward points as a welcome benefit.

RBL Bank Cookie Credit Card: The cardholder gets a gift voucher worth Rs. 1,000. Users can choose from Amazon, Flipkart, Myntra, Croma & Shoppers Stop.

RBL Bank Play Credit Card: Cardholder gets a Rs.500 discount on Movies, Streams, Events, Plays, Sports, and Activities bookings on the BookMyShow app/website.

RBL Bank Mo Cash Credit Card: Cardholders get 2000 Reward Points on Card activation within 30 days.

RBL Bank VCard: N.A.

RBL Bank Paisabazaar Duet Card Plus: Cardholders get INR 250 cashback on making card purchases within 30 days of card issuance.

RBL Bank Paisabazaar Duet Card: N.A.

RBL Bank MoneyTap Black Card: Cardholders get 12,000 reward points on making their first credit card transaction within 30 days of Card setup and payment of the line setup fee.

RBL Bank Bankbazaar Savemax Pro Credit Card: Cardholders get 5,000 reward points, on paying the first year annual fee.

RBL Bank BankBazaar SaveMax Credit Card: N.A.

RBL Bank Insignia Preferred Banking Card: Cardholders get 20,000 bonus reward points after meeting the joining/activation criteria and the spending requirement within the specified timeframe (usually 3-6 months).

RBL Bank MoneyTap Credit Card: Cardholders can earn 2,000 Reward Points on the first swipe/Activation of the card.

RBL Bank Movies and More Credit Card: Cardholders get 4 movie tickets worth INR 250 each at BookMyShow You get a benefit of INR 1,000 redeemable in 2 transactions of INR 500 each and a maximum of 2 tickets in each transaction.

RBL Bank iGlobe Credit Card: Cardholders get a MakeMyTrip voucher worth INR 3,000 as a welcome gift.

Annual Fee

RBL Bank Shoprite Credit Card: Joining/annual Fees: Rs 500. 2nd Year Annual fees is waived off on annual spends of Rs 1.5 lac or more.

RBL Bank Platinum Maxima Plus Card: Joining fees: Nil for primary card. Annual membership Fees: Rs 2500.

RBL Bank Monthly Treats Credit Card: Joining fees: Nil for primary card. Membership Fees: INR 75 monthly. On spending INR. 5,000 in a month next month’s membership fee is waived off.

RBL Bank World Safari Credit Card: Joining fees: Nil for primary card & add-on cardholder.

RBL Bank Lazy Pay Credit Card: Joining fees: Nil for primary card & add-on cardholder. Annual membership Fees: NIL.

RBL Bank Platinum Maxima Credit Card: Joining fees: Nil for primary card & add-on cardholder. Annual membership Fees: INR. 2000 + GST.

RBL Bank Platinum Delight Credit Card: Joining Fee: INR 1,000. Annual Fee: Second year onwards - INR 2000.

RBL Bank Icon Credit Card: Joining fees: Nil for primary card & add-on cardholder. Annual membership Fees: Rs. 5000 + GST.

RBL Bank Cookie Credit Card: Joining fees: Nil for primary card. Membership Fees: Rs 100 monthly.

RBL Bank Play Credit Card: Joining fees: Nil for primary card & add-on cardholder. Annual membership Fees: INR 500. Spend Rs. 1.5 Lacs in a year to get your annual fees waived off.

RBL Bank Mo Cash Credit Card: Joining fees/Annual membership Fees: 500 + GST. The Membership Fee for the second year is Rs. 500/-, but is waived off on spends of Rs. 1 lacs or more in the previous year.

RBL Bank VCard: Joining fees: RBL Bank vCard comes free for the first year. Annual membership Fees: 500 + GST (from 2nd year) The Membership Fee for the second year is Rs. 1499/-, but is waived off on spends of Rs. 1 lacs or more in the previous year.

RBL Bank Paisabazaar Duet Card Plus: Joining fees/ Annual membership Fees: 1499 + GST The Membership Fee for the second year is Rs. 1499/-, but is waived off on spends of Rs. 4 lacs or more in the previous year.

RBL Bank Paisabazaar Duet Card: Lifetime Free Credit Card.

RBL Bank MoneyTap Black Card: Joining fees: Nil for primary card & add-on cardholder. Annual membership Fees: 3000 + GST.

RBL Bank Bankbazaar Savemax Pro Credit Card: Joining fees: Nil for primary card & add-on cardholder. Annual membership Fees: 1499 + GST.

RBL Bank BankBazaar SaveMax Credit Card: Lifetime Free Credit Card.

RBL Bank Insignia Preferred Banking Card: Lifetime Free Credit Card.

RBL Bank MoneyTap Credit Card: Annual Membership Fee of INR 499/-. The Membership Fee for the second year is INR 499/-, but is waived off on spends of INR 2 lacs in the previous year.

RBL Bank Movies and More Credit Card: Annual membership fees: INR 1,000.

RBL Bank iGlobe Credit Card: Annual membership fees: INR 3,000.

Rewards System

RBL Bank Shoprite Credit Card: 1 Reward Point = INR 0.25. 1 Reward Point for every Rs.100 spent on all your purchases except fuel. 20 Reward Points for every Rs.100 when you use your card for in store grocery shopping, effective in-store gorcery shopping cashback rate: 5%. 10 Reward Points for every Rs.100 when they use their card for fuel, effective fuel cashback rate: 2.5%. General cashback Rate: 0.25% for all purchases except fuel and grocery.

RBL Bank Platinum Maxima Plus Card: Get 2 reward points for every INR 100 spent on all your purchases. 10 Reward Points for every Rs.100 when you use your card for dining, entertainment, fuel, utility bill payments and international purchases. 1 Reward Point = INR 0.25. General cashback rate: 0.5%, Special cashback rate: 2.5% on dining, entertainment, fuel, utility bill payments, and international purchases.

RBL Bank Monthly Treats Credit Card: 1 RBL reward point Rs 0.25. 5 Reward Points for every Rs. 100 spent on all online purchases. 1 Reward Point for every Rs. 100 spent on all offline purchases except fuel. General Cashback Rate: 0.25%. Online casback rate: 1.5%.

RBL Bank World Safari Credit Card: 1 RBL reward point= Rs 0.25. 2 Travel Points for every Rs. 100 spent on all your purchases. 5 Travel Points for every Rs. 100 spent on Travel spends. General cashback Rate: 0.5%. Travel cashback rate 2.5%.

RBL Bank Lazy Pay Credit Card: 1% On all online and retail transactions except fuel (capped at Rs. 500 per month).

RBL Bank Platinum Maxima Credit Card: 2 Reward Points for every Rs.100 spent on all your purchases. 10 Reward Points for every Rs.100 when you use your card for dining, entertainment, utility bill payments, and international purchases. 1 RBL reward point Rs 0.25. General Cashback Rate: 0.5%. Special Cashback Rate: 2.5% on dining, entertainment, utility bill payments, and international purchases.

RBL Bank Platinum Delight Credit Card: Earn 2 Reward Points for every Rs.100 spent on all your purchases. Earn 4 Reward Points for every Rs.100 spent during the weekends. Value of 1 reward point = INR 0.25. General cashback rate = 0.5%. Weekend cashback rate: 1%.

RBL Bank Icon Credit Card: 2 reward points for every INR 100 spent, and 20 reward points for every INR 100 spent on international and dining on weekends. 1 RP= 0.25, General Cashback Rate: 0.5%, Special Cashback Rate: 2.5%.

RBL Bank Cookie Credit Card: 1 Reward Point = INR 0.25. 5 Reward Points for every Rs. 100 spent online. 1 Reward Point for every Rs. 100 spent offline (except on fuel). Cashback Rate: 1.5%.

RBL Bank Play Credit Card: Earn 5 reward points for every INR 100 spent on BookMyShow, movies, events, plays, sports, and activities. Value of 1 reward point: INR 0.25. Special cashback rate: 1.25%. Earn 1 reward point for every INR 100 spent on all other purchase. General cashback rate: 0.25%.
RBL Bank Mo Cash Credit Card: 1 Reward point/ INR 100 spent except fuel, and 2 Reward points/ INR 100 on online spends. 1 RP = 0.30 paisa. Effective Cashback Rate: 0.3%, and 0.6% for online spents.

RBL Bank VCard: You can earn 1 reward point on every INR 100 spent. Every Wednesday get 40 Reward Points on every INR 100 spent on online orders of Pizza Hut & Domino's, and get 20 Reward Points on every INR 100 spent on Groceries on Wednesdays. 1 RP =0.25 paisa. General Cashback Rate: 0.25%, Effective Cashback Rate for online orders: 10%, and Effective CB Rate for grocery shopping: 5%.

RBL Bank Paisabazaar Duet Card Plus: 2.5% cashback on all Dining & Travel spends, and 1% cashback on all online and POS transactions (except fuel purchases, wallet loading transactions, rental transactions, credit-line/loan transactions & utilities).

RBL Bank Paisabazaar Duet Card: 1% cashback on all online and POS Transactions except fuel, bill payments, and Insurance.

RBL Bank MoneyTap Black Card: You can 2 Reward Points for every INR 100 spent on all your purchases. Get 5X Reward Points i.e. 10 Reward Points for every INR. 100 spent online, up to 500 Reward Points in a month. 1 RBL reward point= Rs 0.25. General Cashback rate: 0.5%. Online Cashback Rate: 2.5%.

RBL Bank Bankbazaar Savemax Pro Credit Card: Cardholders get 5,000 reward points, on paying the first year annual fee.

RBL Bank BankBazaar SaveMax Credit Card: Get 10x rewards points on every INR 100 spent on groceries. Maximum 1,000 reward points per month, Get 5x reward points on every INR 100 spent on fuel. Maximum 1,000 reward points per month, and Get 2x rewards points on every INR 100 spent on all other purchases. 1 RP = 0.25 paise. General Cashback Rate: 0.5%. Effective Cashback Rate: 2.5% (Grocery), and 1.25% (Fuel).

RBL Bank Insignia Preferred Banking Card: 5 Reward Points for every Rs.100 spent on domestic transactions and 10 Reward points for every Rs.100 spent internationally. 1 RP= 0.30 paisa. Effective Cashback Rates: 1.5% domestically, and 3% internationally.

RBL Bank MoneyTap Credit Card: Earn 1 reward point for every INR 100 spent on all your purchases at merchant outlets, and 2 reward points for every INR 100 spent on all your online purchases. 1 RP = 0.25 paise. General CB Rate: 0.25%, Online CB Rate: 0.5%.

RBL Bank Movies and More Credit Card: Earn 10 reward points/ INR 100 spent at BookMyShow and at Pizza Hut and KFC, Earn 20 reward points/ INR 100 spent on dining on Wednesdays, and Earn 1 Reward point INR100 on all your purchases except fuel. 1 RP = 0.25 paisa. General CB Rate: 0.25%, Effective CB Rate for Pizza Hut and KFC: 2.5%, and Dining CB Rate: 5%.

RBL Bank iGlobe Credit Card: Earn 5 Reward Points for every INR 100 spent on domestic purchases, and 10 Reward Points for every INR 100 spent on international spends. 1 RP =0.25paise. Domestic Cashback Rate: 1.25%, and International Cashback Rate: 2.5%.

How To Apply For RBL Credit Card

Activating the RBL Bank Credit Card: A Step-by-Step Guide.

Via the RBL MyCard App:

Download the RBL MyCard App from your smartphone's app store.

Navigate to 'Account Services' and select 'Change PIN'.

Enter the required details, including your credit card number and expiry date.

Set your new PIN and confirm it to activate your card.

RBL Bank iGlobe Credit Card: Cardholders get a MakeMyTrip voucher worth INR 3,000 as a welcome gift.

Through Netbanking:

Visit the RBL Bank net banking portal.

Select 'Credit Card' options and choose 'Credit Card Activation'.

Input your credit card details, including the CVV and expiry date.

An OTP will be sent to your registered mobile number; enter this OTP to set your new PIN and activate the card.

By Contacting Customer Care:

Dial the RBL Credit Card Customer Care Number from your registered mobile number.

Follow the Interactive Voice Response prompts to select your preferred language.

Choose the option to set or reset your credit card PIN.

Follow the instructions provided to set your new PIN.

Eligibility Criteria for RBL Bank Credit Cards

Age: The primary cardholder must be aged between 21 and 60 years, while add-on cardholders must be over 18 years old.

Residency: Applicants must be resident Indians.

Income Stability: A stable income is a prerequisite, indicating the applicant's ability to repay credit.

Credit Score: A credit score of 750 or above is typically required, reflecting responsible credit behavior and financial stability.

Other Fee And Charges

Interest Rates: Insignia Credit Cards 3.4% per month or 40.8% per annum. All other Credit Cards Up to 3.99% per month or 47.88% per annum

Cash Advance Charges: 2.5% or INR 500 whichever is higher would be levied on the amount withdrawn and would be billed to the Cardholder in the next statement.

Late Payment Charges: Less than or equal to INR 100 – Nil. Above INR 100 and up to INR 500 - INR 100.Above INR 500 and up to INR 5,000 – INR 600. Above INR 5,000 and up to INR 10,000 - INR 700. Above INR 10,000 and up to INR 20,000 - INR 800. Above INR 20,000 and up to INR 50,000 - INR 1,10. Above INR 50,000 - INR 1,300.

Foreign Currency Mark-up Fees: Up to 3.5%. 1.5% on Insignia Credit Card. 0% on World Safari Credit Card.

Reward Redemption Fees: INR 99+GST.

RBL Bank's Journey

RBL Bank, known previously as Ratnakar Bank Limited, is a prominent figure in the Indian private sector banking industry with a rich history dating back to its inception in August 1943. Founded in the Kolhapur district of Maharashtra, it began as a regional bank with just two branches in Kolhapur and Sangli. The bank was established by Babgonda Bhujgonda Patil and Gangappa Siddappa Chougule, primarily serving small and medium enterprises (SMEs) and business merchants within the Kolhapur-Sangli belt.

Over the years, RBL Bank has evolved significantly. In 1959, it was categorized as a scheduled commercial bank under the Reserve Bank of India Act, 1934. The 1970s saw the bank receiving its banking license from the Reserve Bank of India (RBI), marking a significant milestone in its journey. A pivotal change occurred in 2010 when Vishwavir Ahuja took over as the managing director and CEO, steering the bank towards modernization and expansion. In 2014, the bank underwent a rebranding, changing its name from Ratnakar Bank to RBL Bank.

As of 2024, RBL Bank has expanded its reach across India with a network that includes a substantial number of branches and ATMs spread over various states and union territories. The bank's services are diversified across multiple verticals, including corporate banking, commercial banking, branch and business banking, retail assets, and treasury and financial markets operations.

In terms of credit card offerings, RBL Bank has established a reputation for providing a range of cards that cater to various consumer needs.

RBL Bank's journey from a regional bank to a significant player in the Indian banking sector is a testament to its resilience and adaptability. Its commitment to innovation and customer service is evident in its history and the credit card worthiness that continues to attract a wide customer base. As the bank moves forward, it remains a solid choice for individuals seeking reliable banking services and competitive credit card options.

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