RBL Bank
RBL Bank Aspire Banking Credit Card
Annual Fee
₹1,770₹1,500 + GSTBase Reward
1% cashback
Foreign Markup
3.5%
Welcome Benefits
N/A
Product Highlights
- Cashback on eligible spends
- Complimentary lounge access
Category Rewards
travel
3% cashback on curated categories via RBL Rewards Portal
3%
travel
3% cashback on curated categories via RBL Rewards Portal
3%
shopping
3% cashback on curated categories via RBL Rewards Portal
3%
Specialty
3% cashback on curated categories via RBL Rewards Portal
3%
Fee Waiver
Lifetime free for Aspire Banking customers
Merchant-Specific Rewards
RBL Rewards Portal
3% CashBack
Reward Calculator
Earns ₹510/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹2.3K
direct cashback
₹2.3K
via direct credit
Effective rate
1.46%
Annual fee
₹1,770
Year 1 net
+₹510
Year 2+ net
+₹510
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹1,500 cashback
Additional ₹3,000 cashback
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
3% cashback on curated categories via RBL Rewards Portal
Headline: 3.00% effective
₹1,000/month ÷ 3.00% = ₹33,333 eligible spend/month
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1% cashback on all eligible spends, capped at ₹1,000 per billing cycle. Unlimited 3% cashback on flights, hotels, shopping, and vouchers when purchased through the RBL Rewards Portal.
Redemption
Cashback is Transferred to RBL Savings Account
Benefits & Features
Domestic: 1 complimentary visit each quarter (On spends of ₹35,000 or more in the previous quarter) International: N/A (N/A) One complimentary domestic airport lounge visit each quarter on spends of ₹35,000 or more in the previous quarter. Unused visits shall not be carried forward.
Pros & Cons
Pros
- Lifetime free for Aspire Banking customers
- Unlimited 3% cashback on RBL Rewards Portal
Cons
- 1% base cashback capped at ₹1,000 per billing cycle
- Certain transactions excluded from cashback
Additional Info
Card becomes lifetime free for Aspire Banking customers
Cashback on certain transactions may not apply
Capped at ₹1,000 per billing cycle for base cashback
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Lifetime free for Aspire Banking customers