RBL Bank BankBazaar SaveMax Pro Credit Card
The RBL BankBazaar SaveMax Pro is the paid, accelerated sibling of the SaveMax: it earns 10X reward points on groceries and 5X on fuel (each capped at 1,000 points a month), 2X on everything else, and hands over a 5,000-point welcome once you make your first transaction and pay the ₹1,499 fee. Read the caps carefully — at 10X, the 1,000-point grocery cap is reached at about ₹10,000 of grocery spend a month, and at 5X the fuel cap at about ₹20,000; beyond that both categories drop to the 2X base. At RBL's ~₹0.25 per point the grocery rate is roughly 2.5% in value within the cap. Milestone points at ₹2 lakh (2,000 points) and a further 4,000 at ₹4 lakh of annual spend, plus small Zomato and BookMyShow discounts, help the ₹1,499 fee. One practical caveat before you plan around it — RBL states this card is sourced by invitation only, so there is no open application route. Utilities, insurance, education, government services, rent, wallets, cash and EMI conversions earn nothing; groceries and fuel, the card's own accelerators, are not excluded.
✦ How to get this card →
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,250 in vouchers, points or cashback on card activation
2.5% on Groceries
10X reward points on groceries (10 points per ₹100, ~2.5% value), capped 1,000 points/month (~₹10,000 spend)
1.25% on Fuel
5X reward points on fuel (5 points per ₹100, ~1.25% value), capped 1,000 points/month (~₹20,000 spend)
Movie Ticket Benefit
10% instant discount on BookMyShow, up to ₹100 per month
Milestone Bonus
~₹500 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 2.5% | ₹250 |
| Fuel | reward points | 1.25% | ₹250 |
| Other | reward points | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹2,700/yr in total.
milestone bonus ~ ₹500 /yr
2,000 milestone reward points on ₹2 lakh of annual spend
milestone bonus ~ ₹1,000 /yr
A further 4,000 milestone reward points on ₹4 lakh of annual spend
movie ticket ~ ₹1,200 /yr
10% instant discount on BookMyShow, up to ₹100 per month
Milestone ladder
- 1₹2,00,000 a year₹500 of value
- 2₹4,00,000 a year₹1,000 of value
Should you get it?
Best for: Households with heavy, concentrated grocery and fuel spend, Existing RBL/BankBazaar customers who will fill both accelerator caps
Mid tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Groceries ( 2.5% back).
✓ Pros
- 10X reward points on groceries and 5X on fuel within the caps
- 5,000-point welcome plus 2,000 milestone points at ₹2 lakh and a further 4,000 at ₹4 lakh
- 10% off Zomato and BookMyShow (₹100/month each)
- Free monthly credit-advisory report via BankBazaar
✕ Cons
- Sourced by invitation only — RBL publishes no open application route
- Grocery and fuel accelerators each capped at 1,000 points/month
- Everyday spend earns only 2X (~0.5% value)
- Utilities, insurance, education, government services, rent, wallets, cash and EMI conversions earn nothing
- ₹1,499 fee with no spend-based waiver
- ₹99 + GST reward-redemption fee per redemption day
Eligibility
RBL publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any specific salary figure you see quoted for it elsewhere has been inferred by a third party, not stated by the bank.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Statement credit against reward points
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern Both headline accelerators are capped at 1,000 points/month (grocery ~₹10,000 spend, fuel ~₹20,000), everyday spend earns only 2X, and the ₹1,499 fee has no spend-based waiver.
The bottom line
The SaveMax Pro functions as a targeted category card where 10X on groceries and 5X on fuel offer meaningful savings up to their respective 1,000-point monthly caps, while the 5,000-point welcome perk and spend milestones help offset the ₹1,499 annual fee in year one. However, the relatively low caps, modest 2X base earn, and lack of a fee waiver mean that cardholders must maximize both grocery and fuel categories every month to make the card financially worthwhile.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank BankBazaar SaveMax Pro 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.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2022 · 5 changes · last change Jan 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 cut
▼ 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
2024 2 changes — 2 cuts
▼ Reward Effective 15 Oct 2024
Milestone & reward points excluded on many categories
Most spends counted for milestones/points → Key categories excluded from milestones & points
Effective 15 Oct 2024 RBL further narrowed earning across its RP cards: bonus milestone points no longer accrue on Fuel & Auto, Utilities, Insurance, Education, Quasi-Cash, Rental and similar categories, and no reward points at all on Education, Government Services, Contracted Services, Cash and Bills2Pay. For SaveMax Pro this shrinks the spend base feeding the ₹2 lakh and ₹4 lakh milestone points; the grocery and fuel accelerators themselves were untouched.
Verification: RBL Bank ↗ · Confidence: High
▼ Fee Effective 15 Oct 2024
New 1% fee on large fuel & auto transactions
No transaction fee on fuel/auto → 1% on each fuel/auto txn over ₹10,000
From 15 Oct 2024 RBL added a 1% fee on every fuel and auto transaction exceeding ₹10,000, capped at ₹3,000 per transaction, plus new fees on high-value utility (over ₹50,000/month) and third-party education payments. This bites directly on SaveMax Pro's 5X-fuel proposition: large single fuel fills now carry the 1% charge even while earning accelerated points. The standard 1% fuel-surcharge waiver on ₹500–4,000 fuel spends continues.
Verification: RBL Bank ↗ · Confidence: High
2023 1 change — 1 cut
▼ Reward Effective 9 Oct 2023
Base reward points removed on wallet, rental, utility & similar spends
2X base points on most non-accelerator spends → No points on wallet, rental, utility, insurance, railways & misc
From 09 Oct 2023 RBL stopped awarding reward points across its standard programme on Insurance, Wallet loads, Fuel, Utility, Rental, Railways and Miscellaneous transactions. On SaveMax Pro the grocery (10X) and fuel (5X) co-brand accelerators continued, but base 2X earning fell away on the newly-excluded categories — reflected today in the card's Rent, Wallet-load and EMI-conversion exclusions.
Verification: RBL Bank ↗ · Confidence: High
2022 1 change — 1 neutral
◆ Launch Effective Sept 2022
RBL BankBazaar SaveMax Pro launched as the paid accelerated tier
RBL Bank and BankBazaar extended their SaveMax co-brand line (base card launched early 2022) with the paid SaveMax Pro tier around September 2022: 10X reward points on groceries and 5X on fuel (each capped at 1,000 points/month), 2X on all other spends, a 5,000-point welcome benefit, and milestone points at ₹2 lakh and ₹4 lakh of annual spend. Joining/annual fee ₹1,499 + GST with no spend-based waiver; reward points redeem at ~₹0.25 with a ₹99 redemption fee. Exact launch day undocumented — dated from the card's own RBL terms PDF (filename 'sept-22').
Verification: RBL Bank ↗ · 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 BankBazaar SaveMax Pro Credit Card value timeline — CardAdvisor
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Quick summary
Type Mid credit card
Reward rate 0.5%–2.5%
Best for Households with heavy, concentrated grocery and fuel spend
Joining fee ₹1,499
Annual fee ₹1,499
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 6 Aug 2026
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280 cards analysed — August 2026
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