All Cards
rupayclassiccredit
RBL Bank Novio Credit Card
RBL Bank
shoppingonline
Annual Fee
₹500
Joining Fee
₹500 + GST
Base Reward
1% points
Foreign Markup
3.5%
Interest Rate
3.99% per month
Welcome Benefits
2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance
Product Highlights
- Supports UPI
- Available on RuPay Select network
Rewards
2 Reward Points for every ₹100 spent online and 1 Reward Point for every ₹100 spent offline. Exclusions may apply.
Benefits & Features
1% or ₹10, whichever is higher
Fees & Charges
Annual Fee₹500
Joining Fee₹500 + GST
Foreign Markup3.5%
Interest Rate3.99% per month
Cash Advance2.5% of the Cash Amount (min. ₹500)
Redemption Fee₹99 + GST
Eligibility
Available Networks
rupay
Pros & Cons
Pros
- 2x the rewards on online spending
- Annual Milestone Benefits for bonus points
Cons
- No additional Lifestyle Perks or Discounts
Additional Info
Ideal for first-time credit card users
Budget-friendly option for everyday spending
Excluded Categories
fuelautoEducationRailwaysInsuranceGovernment ServiceschargesGST