RBL Bank
RBL Bank Nova Credit Card
Annual Fee
₹14,750₹12,500 + GSTBase Reward
6% points
Foreign Markup
2%
Welcome Benefits
Taj Experiences Or Luxe Gift Card Worth ₹12,500
Product Highlights
- Premium offering with lifestyle and travel benefits
- Accelerated rewards for flight and hotel bookings
Category Rewards
travel
12 Reward Points per ₹200 for Flights and Hotels
12 pts/₹200
Specialty
4 Reward Points per ₹200 spent elsewhere
4 pts/₹200
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
nova.rbl.bank.in
12X RP on Travel & Gift Cards (via Nova portal)
Reward Calculator
Costs you ₹10,190/year
Break-even needs ~₹42,051/month at your reward mix.
₹13K
across all your buckets
4.6K
RBL Nova Reward Points
₹4.6K
via standard
Effective rate
2.92%
Annual fee
₹14,750
Year 1 net
₹-10,190
Year 2+ net
₹-10,190
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
₹10,000 gift card of choice
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
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, auto, insurance, utilities, government, quasi cash, real estate, rent, wallet, contracted services, cash advance, emi, bills2pay
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/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 12 Reward Points per ₹200 for flight and hotel bookings via the dedicated RBL Nova portal. Earn 4 Reward Points per ₹200 spent on eligible categories.
- 1 Reward Point = Up to ₹1
Benefits & Features
Domestic: 12 Lounge Visits Each Year International: 12 Lounge Visits for Primary Cardholder + 4 Guest Visits Each Year Complimentary airport lounge access both within India and abroad.
Pros & Cons
Pros
- Accelerated rewards for flight and hotel bookings
- Complimentary domestic and international lounge access
Cons
- High annual fee of ₹12,500
- No zero forex charges on international transactions
Additional Info
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