RBL Bank
RBL Signature Banking Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Product Highlights
- Unlimited 4% cashback on flights, hotels, and shopping
- 1% cashback on all eligible purchases up to ₹1,500 per billing month
Category Rewards
travel
4% cashback on curated categories via RBL Rewards Portal
4%
travel
4% cashback on curated categories via RBL Rewards Portal
4%
shopping
4% cashback on curated categories via RBL Rewards Portal
4%
Specialty
4% cashback on curated categories via RBL Rewards Portal
4%
Fee Waiver
Waived for Signature Customers
Reward Calculator
Earns ₹2,640/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹2.6K
direct cashback
₹2.6K
via direct credit
Effective rate
1.69%
Annual fee
FREE
Year 1 net
+₹2,640
Year 2+ net
+₹2,640
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 year · You spend ≈ ₹6L
₹2,000 cashback
Additional ₹4,000 cashback
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
4% cashback on curated categories via RBL Rewards Portal
Headline: 4.00% effective
₹1,500/month ÷ 4.00% = ₹37,500 eligible spend/month
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
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 ₹150/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
Unlimited 4% Cashback on Flights, Hotels, and Shopping, and 1% Cashback on All Eligible Purchases.
Redemption
Cashback will be Credited in RBL Bank Savings Account
Benefits & Features
Domestic: 2 Complimentary Lounge Access Each Quarter International: 2 Complimentary Lounge Access Each Year Cardholders can use airport lounges as a special benefit.
Pros & Cons
Pros
- Annual fee waived for Signature Banking customers
- Milestone benefits include ₹2,000 cashback for spending ₹4 lakh in a membership year
- Additional cashback of ₹4,000 for spending ₹6 lakh in the membership year
Cons
- Redemption fee of ₹99 + GST for cashback
- Cashback expires if not redeemed within 3 months of accumulation
Additional Info
1% cashback is capped at ₹1,500 per billing month.
Partner Merchants
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Fees & Charges
Eligibility
Networks
Fee Waiver
Waived for Signature Customers