RBL Bank
RBL Bank Monthly Treats Credit Card
Annual Fee
₹708₹600 + GSTBase Reward
2% points
Foreign Markup
3.5% on the conversion amount
Product Highlights
- 2 reward points on every ₹100 spent online
- 1 reward point on every ₹100 spent offline
- 10% cashback on groceries after ₹3,000 spend
- 10% cashback on Swiggy, BookMyShow after ₹5,000 spend
Category Rewards
Specialty
2X RP on online purchases
2X
Fee Waiver
Waived on ₹3,000 monthly spend
Reward Calculator
Costs you ₹324/year
Break-even needs ~₹23,969/month at your reward mix.
₹13K
across all your buckets
1.9K
RBL Reward Points
₹384
via standard · ₹0.2/pt
Effective rate
0.25%
Annual fee
₹708
Year 1 net
₹-324
Year 2+ net
₹-324
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 month · You spend ≈ ₹50K
10% cashback on grocery (max ₹100/month) for rest of month
10% cashback on Swiggy/BMS/utility bills (max ₹100/month) via RBL MyCard app
per year · You spend ≈ ₹6L
Milestone vouchers
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
Earn 2 reward points on every ₹100 spent on online purchases and 1 reward point on every ₹100 spent on offline purchases. Get 10% cashback on groceries, Swiggy, BookMyShow, and utility bill payments based on monthly spends.
- 1 RP = ₹0.25
Benefits & Features
1% waived on ₹500-₹4,000 transactions
Pros & Cons
Pros
- 2 reward points on online purchases
- 10% cashback on groceries
- 1% fuel surcharge waiver
Cons
- Monthly fee of ₹50
- Limited to Rupay network
Additional Info
Maximum cashback capped at ₹100 for each category.
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
Waived on ₹3,000 monthly spend