RBL Bank TVS Credit Card

· ₹1,50,000 a year ₹500 of value

Best for: TVS Credit customers wanting a low-fee everyday card, First-time cardholders who value the railway-lounge and movie perks

Entry tier — great for first-time and lower-spend users.

Strongest value if you spend heavily on Online Shopping ( 0.5% back).

Frequent travellers benefit from the included airport lounge access.

• Low ₹500 annual fee for the breadth of perks it carries
• 2,000 welcome reward points on first purchase
• Fuel surcharge waiver and a quarterly executive railway-lounge visit
• Buy-one-get-one movie ticket on ₹10,000 monthly spend

• Base earn is thin — about 0.5% online, 0.25% in-store once points are valued at ₹0.25
• 2X online rate is capped at 1,000 points a month
• Wide exclusion list — fuel, utilities, rent, insurance, wallets and EMI do not earn
• ₹99 + GST reward redemption fee via the RBL rewards portal
• No spend-based fee waiver — RBL publishes none for this card, so the ₹500 recurs every year

Ways to convert what you earn into real value.

🎁 Redeem reward points for vouchers and merchandise via the RBL rewards catalogue (₹99 + GST redemption fee)

🎁 Adjust points against eligible statement spends where offered

The RBL TVS Credit Card provides modest utility for cardholders who can make regular use of its quarterly railway lounge visits and monthly cinema ticket offers. However, with an effective online return of just 0.5% (given the ₹0.25 point valuation) and broad exclusions across fuel and utilities, it serves best as a basic perk card rather than a primary vehicle for reward accumulation.

Sources & verification

Fees, reward rates, and benefits for the RBL Bank TVS 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 2023 · 4 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

▼ Fee Effective 15 Oct 2024

New 1% fees on high-value fuel, utility & third-party education spends

No category surcharges beyond standard fuel-surcharge rules → 1% on fuel >₹10,000, utilities >₹50,000/month, third-party-app education payments

From 15 October 2024 RBL added, across its card portfolio, a 1% fee on any single fuel transaction above ₹10,000 (capped ₹3,000), a 1% fee on utility spends above ₹50,000 in a month, and a 1% fee on education payments made through third-party apps (Cred, PhonePe, Paytm, MobiKwik and similar). These fees apply regardless of the card's reward structure.

Verification: RBL Bank ↗ · Confidence: High

▼ Reward Effective 15 Oct 2024

Reward earning & milestone qualification cut on many categories

Wide retail spend earned points and counted toward milestones → Education, government, cash, Bills2Pay, contracted services etc. earn zero; excluded from milestone qualification

Effective 15 October 2024, as part of an RBL portfolio-wide change (RBL cites BookMyShow Play, World Safari, Platinum Maxima and others), base reward points stopped accruing on Education, Government Services, Contracted Services, Cash, Bills2Pay and similar categories, and a long list of categories — fuel & auto, utilities, insurance, quasi-cash, railways, rent, wallet and EMI conversion — no longer counted toward milestone bonus points, narrowing what qualifies for the card's ₹1.5 lakh milestone.

Verification: RBL Bank ↗ · Confidence: High

◆ Launch Effective 2023

TVS Credit RBL Bank Credit Card launched

RBL Bank launched its entry co-branded card with TVS Credit at a ₹500 + GST joining/annual fee, with no spend-based waiver. It earned 2 reward points per ₹100 online (capped 1,000 points/month) and 1 per ₹100 in-store — points worth about ₹0.25 — with fuel, utilities, rent, insurance, wallets and EMI excluded from earning, a 2,000-point welcome bonus, a fuel-surcharge waiver, a BookMyShow buy-one-get-one movie ticket on ₹10,000 monthly spend and one executive railway-lounge visit per quarter.

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.

Embed this timeline on your site Free to use. Facts only — dates, changes and before/after values. Please keep the credit line below the frame: it's the only part search engines can see, and it's what we ask for in return.

Source: RBL Bank TVS Credit Card value timeline — CardAdvisor

“ Cite this timeline Quoting a date or a before/after figure? Copy the HTML version — it credits the record with a working link.

HTML (with link) Plain text Copy

Source: RBL Bank TVS Credit Card value timeline , CardAdvisor (CC BY 4.0).

Want to know if this beats your current card for your spending?

Apply now → Compare with my profile

Applications are submitted to and decided by RBL Bank . CardAdvisor does not issue cards or process applications.

Find your best card

Answer 5 questions. Get a personalised shortlist with ₹ value estimates.

Find my card →

Quick summary

Type Entry credit card

Reward rate 0.25%–0.5%

Best for TVS Credit customers wanting a low-fee everyday card

Joining fee ₹500

Annual fee ₹500

Reviewed by

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

Last verified 6 Aug 2026

How we research →

Useful links

Rewards calculator

Estimate any card’s annual value

Points valuations

What each point is really worth

Latest card changes

Live fee & reward-rate tracker

Market insights

The Indian card landscape

Card data study 2026

280 cards analysed — August 2026