RBL Bank Monthly Treats Credit Card

rupaybasiccreditdiningshoppingonline

Annual Fee

₹600

Base Reward

2% points

Foreign Markup

3.5% on the conversion amount

3.9/5

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

grocery

10% CashBack

other

10% CashBack on Swiggy, BookMyShow, utility bill payments

Fee Waiver

Waived on ₹3,000 monthly spend

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.

Reward Points — Redemption Value

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

fuel

Partner Merchants

SwiggyBookMyShow

Fees & Charges

Annual Fee₹600

Joining Fee₹50 + GST

Fee WaiverWaived on ₹3,000 monthly spend

Foreign Markup3.5% on the conversion amount

Interest Rate3.99% per month

Cash Advance2.5% on withdrawal amount, min ₹300

Redemption Fee₹99 per redemption request

Eligibility

Networks

rupay

Fee Waiver

Waived on ₹3,000 monthly spend