RBL Bank TVS Gold Credit Card

1. 1₹2,00,000 a year₹2,000 of value
2. 2₹2,50,000 a year₹1,500 of value

Best for: TVS Credit customers wanting lounge access and dining cashback, Mid-spenders who hit the quarterly voucher and lounge thresholds

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

Strongest value if you spend heavily on Dining ( 5% back).

Frequent travellers benefit from the included airport lounge access.

• 6,000-point welcome bonus and 6,000-point annual milestone
• Domestic and international airport-lounge access on spend thresholds
• 5% EazyDiner dining cashback (up to ₹250/month) and quarterly ₹500 vouchers
• 10 points per ₹100 (~2.5%) on international spends

• Domestic earn is only about 0.5% once points are valued at ₹0.25
• Lounge and voucher benefits are gated behind quarterly spend thresholds
• Wide exclusion list — fuel, utilities, rent, insurance, wallets and EMI do not earn
• ₹1,500 fee is steep for the base reward rate; needs the perks to pay off
• No spend-based fee waiver — RBL publishes none for this card, so the ₹1,500 recurs every year
• ₹99 + GST reward redemption fee via the RBL rewards portal

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)

🎁 Use quarterly milestone vouchers with Amazon, Flipkart, Swiggy or Zomato

🎁 Claim EazyDiner dining cashback as a statement adjustment

The TVS Gold doubles the earn rate of the entry-level TVS card to 1% online and 0.5% offline while expanding executive railway lounge access to two visits per quarter. However, because the ₹1,500 annual fee offers no spending waiver and everyday categories like utilities and fuel earn no rewards, the card requires deliberate online spending and regular travel use to justify its recurring cost over competing cashback cards.

Sources & verification

Fees, reward rates, and benefits for the RBL Bank TVS Gold 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

▼ 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 October 2024 RBL narrowed earning across its cards: bonus milestone points stopped accruing on Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet and similar categories, and no base reward points at all on Education, Government Services, Contracted Services, Cash and Bills2Pay. On the TVS Gold this shrinks the spend base that reaches the ₹2.5 lakh annual milestone and the ₹50,000-a-quarter voucher thresholds.

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 October 2024 RBL added a 1% fee on every fuel and auto transaction exceeding ₹10,000, capped at ₹3,000 per transaction, alongside new 1% fees on high-value utility spends (over ₹50,000/month) and third-party-app education payments. This is separate from the card's standard 1% fuel-surcharge waiver on ₹400–5,000 fuel spends, which continues.

Verification: RBL Bank ↗ · Confidence: High

◆ Launch Effective 2023

TVS Gold launched as the mid-tier TVS co-brand

RBL Bank and TVS Credit launched the TVS Gold Credit Card as the ₹1,500 step-up over the base TVS card. It earned 2 reward points per ₹100 on domestic spends and 10 per ₹100 on international spends (points ≈ ₹0.25), a 6,000-point welcome bonus, 5% EazyDiner dining cashback (capped ₹250/month), ₹500 quarterly vouchers on ₹50,000 of quarterly spend, spend-gated domestic and international lounge access and a ₹200/month fuel-surcharge waiver, with fuel, utilities, rent, insurance, wallets and EMI excluded from earning. Exact launch date is undocumented; the TVS Credit co-brand line was in market by 2023.

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 TVS Gold Credit Card value timeline — CardAdvisor

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Quick summary

Type Mid credit card

Reward rate 0.5%–5%

Best for TVS Credit customers wanting lounge access and dining cashback

Joining fee ₹1,500

Annual fee ₹1,500

Reviewed by

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

Last verified 6 Aug 2026

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