RBL Bank credit cards compared

Tailored for urban lifestyle expenditures, the RBL Platinum Maxima Plus offers 10X reward points across dining, entertainment, groceries, and international spends, subject to a combined monthly cap of 1,000 points. The card supplements this reward structure with lifestyle perks including a complimentary monthly BookMyShow movie ticket when booking at least two tickets and 2 domestic airport lounge entries per quarter (contingent on ₹35,000 in prior-quarter spend). However, the real return sits around 1% to 2.5% once factoring in the point value (~₹0.25, dipping as low as ₹0.11) and the strict monthly point cap. The card carries a ₹2,500 annual fee with no spend-linked waiver, supported by an initial 10,000-point welcome bonus and annual milestone tiers reaching up to 30,000 points. It functions best as an entertainment and domestic lounge card for cardholders who can actively utilize its specific perks.

Tailored for international travelers, the RBL World Safari Credit Card features a 0% foreign currency markup on overseas transactions alongside 5 reward points per ₹100 (~1.25% value back) on travel bookings and 2 reward points per ₹100 (~0.5%) on general spending. It provides domestic and international lounge privileges via 8 complimentary domestic airport lounge visits annually (2 per quarter, unlocked with ₹35,000 in prior-quarter spend) and an embedded Priority Pass membership offering 2 complimentary international visits per year (plus 1 extra visit per quarter on ₹50,000 quarterly spend). The card carries a ₹3,000 annual fee offset by a ₹3,000 MakeMyTrip welcome voucher, making it a competitive mid-tier travel product.

The RBL Bank Icon Credit Card is a premium lifestyle product structured around dining and international travel privileges. It awards 20 reward points per ₹100 (yielding an effective 5% return at ₹0.25 per point) on weekend dining and overseas transactions, alongside a base rate of 2 points per ₹100 on all other eligible spending. Cardholders receive a welcome gift of 20,000 reward points (worth approximately ₹5,000), a Buy One Get One movie ticket offer on BookMyShow up to ₹200 twice monthly, 12 complimentary golf lessons annually, and tiered milestone rewards offering up to 45,000 bonus points (10,000 points at ₹3 lakh, an additional 15,000 at ₹5 lakh, and 20,000 at ₹8 lakh of annual spend). Airport lounge privileges provide 2 domestic visits per quarter, contingent on spending ₹35,000 in the preceding calendar quarter. Despite these features, the ₹5,000 annual fee faces tough internal competition from RBL's own Platinum Maxima Plus, which delivers comparable core benefits at a lower price point.

The RBL Bank IndianOil Credit Card is RBL's entry-tier fuel co-brand, serving as the replacement for the earlier BPCL SuperCard by partnering with IndianOil's nationwide retail pump network. The card delivers 10 fuel points per ₹100 spent at IndianOil outlets (with each point worth ₹0.50 against fuel redemptions, translating to approximately 5% value back, capped at 1,000 fuel points monthly) and 1 fuel point per ₹100 on other retail spending. Combined with a 1% fuel surcharge waiver up to ₹100 per month, RBL positions the product as offering roughly 6% overall value back, equivalent to up to 100 litres of free fuel annually. While a RuPay variant supporting UPI transactions is also available, this review focuses on the Mastercard version.

The RBL Bank IndianOil XTRA Credit Card is the elevated tier of RBL's fuel co-branded lineup, engineered for high-volume drivers utilizing the IndianOil network. It earns 15 fuel points per ₹100 spent at IndianOil stations (valued at ₹0.50 per point for fuel redemptions, providing an effective ~7.5% return, capped at 2,000 fuel points monthly) and 2 fuel points per ₹100 on other purchases. Layering in a 1% fuel surcharge waiver up to ₹200 per month, RBL advertises an all-in return of approximately 8.5%, equivalent to up to 250 litres of free petrol each year. Offsetting these rewards is a higher annual fee of ₹1,500 (waived on spending ₹2.75 lakh annually) and a 2,000-point monthly cap on accelerated earnings.

The RBL Bank Lumière Credit Card is RBL's invite-only, ultra-premium metal flagship carrying an annual fee of ₹50,000 + GST. The card provides a base earning rate of 4 reward points per ₹200 (a 2% return with points valued at ₹1 each) on everyday purchases, accelerating to 5X—20 reward points per ₹200 (10%)—on bookings made through the dedicated Lumière rewards portal. Its luxury travel package features unlimited domestic and international airport lounge access for primary cardholders and accompanying guests, unlimited golf rounds alongside 12 lessons annually, 8 complimentary airport meet-and-greet services per year, a 24/7 dedicated concierge, and a 0% foreign exchange markup. On boarding, cardholders receive a ₹30,000 welcome gift card (choice of Taj Experiences or Marriott) and complimentary Club Marriott or ITC Culinaire membership, significantly offsetting the first-year fee. The annual fee cannot be waived through card spending; it is reversed exclusively for clients maintaining a Total Relationship Value of ₹2 crore with RBL Bank.

Positioned as a cost-effective alternative to the flagship World Safari, RBL Bank's World Safari Lite brings the hallmark 0% foreign currency markup benefit at a manageable annual fee of ₹1,000 plus GST. Earning is focused strictly on travel spending: users receive 5 reward points per ₹100 (5X) on flight and hotel bookings made through the RBL Bank rewards portal, and 1 point per ₹100 on qualifying domestic travel expenditures. The card offers no base rewards on general retail spending. Cardholders receive a ₹1,000 welcome voucher bundle spanning Ixigo, Swiggy One, and OTTplay to balance the initial fee. Annual milestone bonuses award 5,000 points upon reaching ₹2.5 lakh in spending and 10,000 points at ₹5 lakh. Quarterly airport lounge privileges provide 1 domestic and 1 international visit, each unlocked by meeting a ₹50,000 spend requirement in the previous quarter.

The BPCL RBL SuperCard doesn't pretend its fuel rate is the main draw — the SBI BPCL Octane earns more at the identical BPCL pumps. What sets it apart is the SuperCard lineup's cash-withdrawal and flexible-repayment tools, features standard credit cards generally skip. A couple of things worth flagging: RBL now pushes IndianOil as its lead fuel partnership (the RBL XTRA card, earning up to 8.5% on IOCL fuel), a dedicated BPCL RBL SuperCard isn't getting much marketing push in 2026, and the broader SuperCard range (Platinum Plus) dropped 2 lounge visits back in July 2025. Still, it's a reasonably priced option for an RBL cardholder who both fills up at BPCL and actually makes use of the cash-related perks.

Issued on the RuPay network with native UPI connectivity, the RBL Bank IRCTC Credit Card is a specialized co-branded product designed around railway travel benefits. Cardholders earn 5 reward points per ₹200 on train ticket bookings via IRCTC (a 2.5% return, with each point redeeming at ₹1 on IRCTC), alongside a 1% reversal of the IRCTC transaction/gateway fee (capped at ₹200 per month across total bookings). Key travel privileges include 8 complimentary railway lounge visits per year (limited to 2 per quarter) and a ₹5,000 Train Cancellation Shield. Because non-IRCTC spending earns a low base rate of 1 reward point per ₹200, the ₹500 annual fee features no spend-based waiver, and airport lounges or fuel perks are absent, the card is tailored specifically for regular train commuters.

The RBL Bank Nova Credit Card is an invite-only premium metal product positioned at an annual fee of ₹12,500 + GST, which is waivable from year two onward upon reaching ₹10 lakh in eligible yearly spend. Cardholders earn 4 reward points per ₹200 (a 2% return at ₹1 per point) on everyday retail, scaling to 12 reward points per ₹200 (6%) on flight and hotel reservations completed through the dedicated Nova travel portal. Accrued reward points can be transferred to partner airline loyalty programs—including Air India Maharaja Club, Singapore Airlines KrisFlyer, and Qatar Airways Privilege Club—at a 2:1 ratio. Premium travel privileges include 12 domestic and 12 international airport lounge visits annually (featuring 4 international guest entries), 4 complimentary golf rounds with 12 lessons per year, and an initial ₹12,500 Taj Experiences or Luxe welcome gift card that effectively offsets the first-year joining fee.

The RBL Bank Apex Credit Card is structured around portal-based rewards: cardholders earn unlimited 2% cashback when booking flights, hotels, merchandise, and gift vouchers via the RBL Bank Rewards Portal, alongside a flat 1% cashback on standard everyday spends capped at ₹500 monthly. Reaching annual spend milestones awards ₹1,000 cashback at ₹2 lakh and an additional ₹2,000 at ₹4 lakh, providing up to ₹3,000 in spend bonuses to easily offset the ₹1,000 annual fee. Furthermore, opening a new RBL Bank Savings Account alongside the card waives the annual fee entirely for the duration that the account remains active. The card also includes one complimentary domestic airport lounge visit each quarter and a monthly buy-one-get-one BookMyShow movie ticket benefit (up to ₹100). The trade-off: the 2% rate is strictly confined to portal transactions, direct non-portal spends are subject to the ₹500 monthly cap, and categories including fuel, utilities, insurance, education, rent, wallet loads, government payments, EMI conversions, and cash transactions earn zero cashback.

The RBL Bank Binge Credit Card is an entry-level digital and entertainment card that earns 12 reward points per ₹100 on online purchases—capped at 800 points per month—over a base rate of 1 point per ₹100, alongside a monthly buy-one-get-one BookMyShow movie ticket offer (up to ₹200). Priced at ₹999 annually (waived upon reaching ₹1 lakh in yearly spending), the card includes a 4,000-point welcome bonus. While the 12X online multiplier offers solid returns up to its monthly cap, cardholders should note that airport lounge access was discontinued effective 1 July 2025, leaving the card's ongoing value centered around online reward acceleration and cinema perks.

Targeted at entertainment enthusiasts, the RBL Bank Fun+ Credit Card centers its value proposition on movie perks: a ₹500 BookMyShow voucher for every month in which you spend at least ₹5,000, alongside a 10% discount (up to ₹100) on movie ticket purchases—delivering over ₹6,000 in potential annual savings for frequent moviegoers. The card carries a ₹499 annual fee, which gets waived upon reaching ₹1.5 lakh in yearly spend. Standard purchases earn an uncapped base rate of 1 reward point per ₹100 (with a ₹99 redemption fee), while accelerated earnings provide 20 points per ₹100 on weekend dining and 10 points per ₹100 at BookMyShow, Pizza Hut, and KFC, subject to a shared monthly cap of 1,000 accelerated points. Reaching ₹4 lakh in annual spend yields an extra 12,000 milestone bonus points, and standard fuel surcharge waivers apply. Given the modest base reward rate, the card is best utilized specifically for entertainment benefits and paired with a general-spend card.

Geared toward supermarket spending, the RBL ShopRite Credit Card delivers an effective 5% return (20 reward points per ₹100, with points valued at ₹0.25) on grocery purchases for an annual fee of ₹500. This accelerated rate is capped at 1,000 reward points per calendar month—covering approximately ₹5,000 in monthly grocery spending—after which transactions earn the standard base rate of 1 reward point per ₹100. The ₹500 renewal fee is waived on annual spending of ₹1.5 lakh. New cardholders receive a 2,000-point welcome bonus (worth ₹500) upon making a qualifying purchase within 30 days, alongside a 10% BookMyShow movie discount capped at ₹100 per transaction for up to 15 bookings each year. Fuel transactions receive a surcharge waiver up to ₹100 per month but earn no points, while utilities, insurance, rent, wallets, education, government payments, and EMIs are excluded from rewards.

The RBL BankBazaar SaveMax Pro is the premium, paid variant of the SaveMax line: it delivers 10X reward points on grocery purchases and 5X on fuel (each category capped at 1,000 points per month), 2X on general retail spending, and a 5,000-point welcome bonus upon completing your first transaction and paying the ₹1,499 annual fee. Category caps require attention—at 10X, the 1,000-point grocery limit is exhausted at roughly ₹10,000 of monthly grocery spend, while at 5X the fuel cap is reached at about ₹20,000, after which both categories revert to the 2X base rate. Given RBL's valuation of approximately ₹0.25 per point, the grocery earn translates to a 2.5% effective return within the cap. Spend milestones add 2,000 points at ₹2 lakh and an additional 4,000 points at ₹4 lakh of annual spend, while modest monthly discounts on Zomato and BookMyShow provide extra value against the ₹1,499 fee. Importantly, RBL issues this card on an invitation-only basis with no open public application channel. Non-earning categories include utilities, insurance, education, government services, rent, wallet loads, cash, and EMI conversions; groceries and fuel remain fully eligible for accelerated rewards.

Combining direct cashback with an instant credit facility, the RBL Paisabazaar Duet Plus provides 2.5% value back on dining and travel alongside 1% on general spends, paired with on-demand access to an Xpress Cash credit line via the RBL MyBank application. However, monthly cashback is restricted by a ₹500 overall ceiling (sub-capped at ₹200 for dining/travel and ₹300 for other categories), causing returns to taper off past roughly ₹20,000 in monthly expenditures. It carries a ₹1,499 annual fee that requires ₹4 lakh in yearly spends to waive. Additional perks include a ₹250 introductory cashback on your opening transaction, a 1% fuel surcharge waiver, and a 1+1 BookMyShow weekend movie ticket offer. Cardholders should note that utility payments, fuel, insurance, rent, education, wallets, government transactions, and cash withdrawals are fully excluded from earning rewards.

Built specifically for movie enthusiasts, the RBL Play Credit Card centres on cinema benefits through BookMyShow. Cardholders can receive a monthly ₹500 discount (up to ₹250 across 2 tickets) on BookMyShow by spending ₹5,000 in a billing cycle, along with up to ₹100 off food and beverages on movie bookings. The card comes with a ₹500 annual fee that is waived with ₹1.5 lakh in annual retail spending. For cardmembers sourced directly via BookMyShow, achieving Superstar status by completing 10 BookMyShow bookings during the anniversary year provides an alternative fee waiver. Because RBL does not offer an active base reward points program on this product, it functions primarily as an entertainment benefit card rather than a general spending instrument.

As an upgraded edition of the TVS Credit co-branded card, the RBL TVS Gold Credit Card earns 4 reward points per ₹100 on online purchases (capped at 2,000 points per month, or ₹50,000 in monthly online spend) and 2 points per ₹100 on in-store transactions. With points valued at approximately ₹0.25, this delivers an effective return of 1.0% online and 0.5% offline. Additional features over the base variant include a 6,000-point welcome bonus on first spend, an annual milestone of 4,000 points (worth ₹1,000) upon spending ₹2 lakh, 2 executive railway lounge visits per quarter, and a 1% fuel surcharge waiver. Fuel, utilities, insurance, rent, digital wallets, and EMIs are excluded from earning rewards. The card charges an annual fee of ₹1,500 plus GST with no spend-based waiver.

The RBL BankBazaar SaveMax Credit Card is a lifetime-free grocery card that provides 5X reward points on grocery purchases (capped at 1,000 points per month) alongside 1 reward point per ₹100 on all other eligible retail spending. While 5X appears generous, RBL's standard point valuation of ~₹0.25 yields an effective grocery return of approximately 1.25% rather than a 5% cashback rate—a modest yet dependable saving. Because the card carries zero joining and annual fees, these reward earnings come without carrying cost. It also features a 10% monthly discount on Zomato and BookMyShow (capped at ₹100 per month on each platform) for extra everyday utility. Users should note an extensive list of non-reward categories, including fuel, utility bills, insurance premiums, education expenses, and government payments.

The RBL Bank Blockbuster Credit Card is a mid-tier entertainment card highlighted by 2 free BookMyShow movie tickets in any month you spend ₹20,000, supported by 4 complimentary domestic airport lounge visits each year (1 per calendar quarter, with no spend prerequisite) and an onboarding package of 8,000 reward points plus a ₹1,000 BookMyShow benefit. Everyday spending earns a modest base return—RBL's terms stipulate 1 reward point per ₹100 while promotional marketing cites 2—elevated to 20 reward points per ₹100 on weekend dining up to a cap of 2,000 accelerated points per billing cycle. An annual milestone ladder provides 10,000 bonus points upon spending ₹3.5 lakh and an additional 15,000 points at ₹5 lakh. At a ₹3,000 annual fee with no spend waiver, the card is economically viable only for cardholders who consistently hit the ₹20,000 monthly spend threshold and regularly utilize the movie vouchers and airport lounge privileges.

A monthly-subscription lifestyle product from RBL Bank, the Cookies Credit Card replaces the conventional annual fee with a recurring ₹100 monthly charge, which gets waived whenever spending in the prior month reaches ₹5,000 or more. The core value proposition revolves around a 10% cashback rate on Zomato, Myntra, and Uber (capped at ₹900 monthly, with a ₹300 sub-limit per merchant), complemented by 5X reward points on general online transactions and an upfront ₹1,000 welcome gift voucher. Cardholders also get a 10% discount on BookMyShow bookings up to ₹300 once per month and a 1% fuel surcharge waiver up to ₹150 monthly. Because base non-online transactions generate a modest 1 reward point per ₹100 (where each point is worth roughly ₹0.25), meaningful value requires regular spending across the three designated cashback merchants alongside hitting annual spend milestones.

Created in partnership with Paisabazaar (and originally launched as RBL Paisa on Demand), the RBL Bank Paisabazaar Duet Credit Card combines a standard credit card with an integrated personal credit line. Cards issued after 1 September 2021 carry no joining or annual fees, making the current product lifetime-free. The card offers a flat 1% cashback on retail and online transactions, capped at ₹500 per calendar month (corresponding to ₹50,000 in monthly eligible spending), with cashback credited to the statement within approximately two weeks of settlement. Alongside the card, the Xpress Cash / Paisa on Demand facility allows users to draw funds against an approved credit line directly via the RBL mobile app and repay in EMIs with interest charged solely on the drawn sum. Major categories including fuel, utilities, rent, insurance, and wallet reloads are excluded from cashback earning.

Operating on the RuPay payment network with UPI linkage capabilities, the RBL Patanjali Swarn is a premium co-branded card offering 10% cashback on Patanjali retail and online transactions of ₹500 and above, capped at ₹750 per month (covering up to ₹7,500 in monthly brand purchases). Beyond the core retail rebate, the card adds perks not found on the basic Vishisht tier: 4 domestic airport lounge visits annually (1 per calendar quarter, subject to ₹50,000 in Patanjali spends during the preceding quarter), a monthly weekend 1+1 BookMyShow movie ticket benefit worth up to ₹200, and a 1% fuel surcharge waiver up to ₹200 each month. Milestone perks include a ₹1,500 Patanjali gift voucher and a 4-night Patanjali Wellness Centre stay, though May 2026 revisions raised the spend criteria to ₹9 lakh and ₹12 lakh respectively, including mandatory internal Patanjali spend minimums. With a fixed ₹1,499 annual fee and no waiver provision, alongside a modest base earn of 1 reward point per ₹100 elsewhere, the card suits dedicated Patanjali shoppers who also extract full value from its lifestyle benefits.

Issued as a purely virtual card on the RuPay network, the RBL SalarySe UP is tailored for scan-and-pay transactions via UPI applications. It delivers 5 reward points per ₹100 (~1.00% value) on monthly UPI spending up to ₹20,000, and accelerates to 10 reward points per ₹100 (~2.00% return) on spending exceeding ₹20,000, with bonus points capped at 8,000 per month. The card comes with a ₹499 annual fee that is waived on achieving ₹2 lakh in yearly spending. Transactions on fuel, utility bills, insurance, rent, education, wallets, government services, cash advances, and Bills2Pay are excluded from rewards and fee-waiver spend tallies. It offers strong value as a specialized digital card for cardholders with consistent monthly UPI volume.

Issued on the Mastercard network in partnership with DMI Finance, the RBL Bank DMI Finance Credit Card is a digital-first entry-level product targeted at DMI Finance app users. It features an earn rate of 2 reward points per ₹100 on online transactions and 1 reward point per ₹100 on offline retail, with total reward earnings capped at 500 points per billing cycle across both tiers. Lifestyle perks include a BookMyShow buy-one-get-one movie ticket offer (up to ₹200 savings on ₹5,000 monthly spend), a 1% fuel surcharge waiver up to ₹100 monthly, and an initial ₹200 BookMyShow activation voucher. For higher spenders, the card provides 2,000 bonus points per ₹50,000 spent in a calendar quarter, a ₹500 Amazon voucher at ₹2 lakh of annual spend, and an extra ₹200 Swiggy voucher at ₹3 lakh. With an un-waivable ₹499 annual fee, a ₹99 + GST reward redemption charge, and extensive category exclusions that also gate milestone progress, it functions primarily as a companion card for existing DMI customers rather than a standalone rewards driver.

Designed for regular Patanjali consumers, the RBL Patanjali Vishisht is an entry-level co-branded card on the RuPay network that integrates with UPI payment platforms. Its headline feature is 10% cashback on purchases of ₹500 or above made at Patanjali physical outlets and online stores, subject to a ₹500 monthly cashback ceiling (optimizing on up to ₹5,000 in monthly brand purchases). Beyond this specific benefit, features are straightforward: 1 reward point per ₹100 spent on non-Patanjali categories, a 1% fuel surcharge waiver capped at ₹150 monthly, and an annual fee of ₹499 that is waived on ₹1.5 lakh in yearly spending. The card delivers clear savings for households with dedicated Patanjali purchase habits, whereas general spenders will typically realize superior returns with standard cashback cards.

Co-branded with TVS Credit, the RBL TVS Credit Card is an entry-tier product earning 2 reward points per ₹100 on online transactions (subject to a monthly ceiling of 1,000 points, or ₹50,000 in online spending) and 1 reward point per ₹100 on in-store purchases. With points valued at approximately ₹0.25 each, the effective return is 0.5% online and 0.25% offline. Key features include a 2,000-point welcome bonus on your initial transaction, a 1% fuel surcharge waiver, a buy-one-get-one cinema ticket discount upon reaching ₹10,000 in monthly spending, and 1 executive railway lounge access per quarter. Rewards exclude fuel, utilities, insurance, rent, digital wallets, and EMIs. The card charges an annual fee of ₹500 plus GST with no spend-based waiver available.