RBL Bank Apex Credit Card

1. 1₹2,00,000 a year₹1,000 of value
2. 2₹4,00,000 a year₹2,000 of value

Best for: RBL customers who book travel and shopping via the rewards portal, Spenders who will hit the ₹2 lakh and ₹4 lakh annual milestones

Mid tier — a solid all-rounder for steady monthly spend.

Strongest value if you spend heavily on Travel ( 2% back).

Frequent travellers benefit from the included airport lounge access.

• Unlimited 2% cashback on portal travel, shopping and vouchers
• Two milestone cashbacks worth ₹3,000 a year can cover the fee
• Complimentary domestic lounge access on a modest spend threshold
• A buy-one-get-one BookMyShow movie ticket every month, up to ₹100
• Opening a new RBL Bank Savings Account waives the annual fee while the account stays open
• No reward redemption fee on Apex (waived by RBL)

• The 2% cashback only applies to bookings made through the RBL Rewards Portal
• Everyday 1% cashback is capped at ₹500 per billing month
• Fuel, utilities, insurance, education, rent, wallet loads, government payments, EMI and cash do not earn cashback
• The lounge visit is gated on the previous quarter's spend, so the first quarter is always empty

Ways to convert what you earn into real value.

🎁 Cashback auto-adjusted as statement credit

🎁 Book flights, hotels, shopping and vouchers via the RBL Bank Rewards Portal

The Apex serves as a practical, low-fee cashback card provided you consistently channel travel and shopping bookings through RBL's rewards portal. Between the unlimited 2% portal rate, ₹1,000 in welcome vouchers, and milestone cashbacks totaling ₹3,000, active users can easily surpass the ₹1,000 fee. Outside the portal ecosystem, however, the card functions as a modest 1% cashback tool with a strict monthly cap.

Sources & verification

Fees, reward rates, and benefits for the RBL Bank Apex Credit Card are taken from RBL Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 6 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2025 · 2 changes · last change Jan 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

▼ Fee Observed Jan 2026 · Effective 7 Jan 2026

New 1% fee on large FASTag top-ups and toll payments

No FASTag or toll transaction fee → 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000

From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.

Verification: RBL Bank ↗ · Confidence: High

◆ Launch Effective Dec 2025

RBL Apex launched as a portal-first cashback card

RBL Bank introduced the Apex as a low-fee cashback card (₹1,000 + tax joining and annual fee): unlimited 2% cashback on flights, hotels, shopping and vouchers booked through the RBL Bank Rewards Portal, a flat 1% on other spends capped at ₹500/billing month, welcome vouchers worth over ₹1,000, milestone cashbacks of ₹1,000 at ₹2 lakh and ₹2,000 at ₹4 lakh of annual spend, a monthly BookMyShow buy-one-get-one movie offer, and 1 domestic lounge visit per quarter conditional on ₹35,000 of eligible spend in the previous quarter. Fuel, utilities, insurance, rent, EMI and wallet loads are excluded from earning; there is no reward-redemption fee. Being a cashback card it earns no RBL Reward Points. Exact launch day undocumented — a launch video and reviews place it in late December 2025.

Verification: CardAdvisor Research · Confidence: Reconstructed

Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Source: RBL Bank Apex Credit Card value timeline — CardAdvisor

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Quick summary

Type Mid credit card

Reward rate 1%

Best for RBL customers who book travel and shopping via the rewards portal

Joining fee ₹1,000

Annual fee ₹1,000

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 6 Aug 2026

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