RBL Bank
RBL Bank DMI Finance Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1% points
Foreign Markup
3.5%
Welcome Benefits
Earn 2,000 Reward Points; BookMyShow movie voucher worth ₹200 on card activation
Product Highlights
- 2,000 Reward Points and a complimentary movie ticket as a welcome benefit
- 1% fuel surcharge waiver up to ₹100
Category Rewards
Specialty
2X RP on online purchases
2X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
BookMyShow
2 RP for every ₹100 spent online
Amazon
Amazon voucher worth ₹500 on annual spend(On spending ₹2 lakhs annually)
Swiggy
Swiggy voucher worth ₹200 on annual spend(On spending ₹3 lakhs annually)
Reward Calculator
Costs you ₹109/year
Break-even needs ~₹15,953/month at your reward mix.
₹13K
across all your buckets
1.9K
RBL Reward Points
₹480
via standard · ₹0.25/pt
Effective rate
0.31%
Annual fee
₹589
Year 1 net
₹-109
Year 2+ net
₹-109
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 quarter · You spend ≈ ₹1.5L
2,000 Reward Points
per year · You spend ≈ ₹6L
₹500 Amazon Voucher
₹200 Swiggy Voucher
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
2X RP on online purchases
Headline: 0.50% effective
₹125/cycle ÷ 0.50% = ₹25,000 eligible spend/cycle
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
Users earn 2 Reward Points for every ₹100 spent online and 1 Reward Point for every ₹100 spent offline. Vouchers can be redeemed at RBL Rewards.
- Vouchers earned can be redeemed at RBL Rewards
Benefits & Features
1% fuel surcharge waiver up to ₹100 on transactions between ₹500 to ₹4,000
Pros & Cons
Pros
- This card comes with a nominal fee of ₹499 plus taxes.
- The Reward Points can be redeemed for air travel, hotel stays, shopping vouchers, and much more.
Cons
- There are no travel perks included with this card.
- This card does not offer any spend-based waiver to its users.
Additional Info
Important note 1
Note 2
Users can earn 500 Reward Points every month.
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