RBL Bank
RBL Bank Novio Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
1% points
Foreign Markup
3.5%
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
Category Rewards
Specialty
2X RP on online spends
2X
Reward Calculator
Costs you ₹110/year
Break-even needs ~₹15,980/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
₹590
Year 1 net
₹-110
Year 2+ net
₹-110
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & 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
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
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
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