RBL Bank
RBL Bank QuickPay Credit Card
Annual Fee
₹117₹99 + GSTBase Reward
0.5% points
Foreign Markup
3.5%
Welcome Benefits
20% Cashback on First Two UPI Transactions Within 15 Days of Card Issuance; Capped at ₹50
Product Highlights
- Low joining fee of ₹99 + GST
- Simple rewards structure: 1 RP for every ₹200 spent
Reward Calculator
Earns ₹258/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
1.5K
RBL Reward Points
₹375
via standard · ₹0.25/pt
Effective rate
0.13%
Annual fee
₹117
Year 1 net
+₹258
Year 2+ net
+₹258
ongoing
Adjust your spend by reward bucket
1 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, utilities, insurance, railways, rent, real estate, wallet, emi, cash advance, 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 1 Reward Point for every ₹200 spent on eligible transactions.
- 1 RP = ₹0.25
Benefits & Features
1% waived on transactions
Pros & Cons
Pros
- Low joining fee of ₹99 + GST
- 20% UPI cashback welcome offer for new users
- Simple rewards structure: 1 RP for every ₹200 spent
Cons
- No added benefits such as lounge access, dining, travel, or insurance perks
Additional Info
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