🏦 RBL Bank India — Complete Credit Card Guide 2026
Best RBL Bank Credit Cards in India 2026
Compare 40+ RBL Bank credit cards — from the entry-level ShopRite to the premium Insignia World Card. Discover rewards, fuel benefits, movie offers, travel perks, and how to apply online instantly at MyBankingTips.
About RBL Bank Credit Cards in India
RBL Bank (Ratnakar Bank Limited) is one of India's fastest-growing private sector banks, offering over 40 credit cards across every lifestyle category — fuel, groceries, travel, entertainment, dining, and premium banking. With a wide partner ecosystem including IndianOil, Zomato, BookMyShow, and TVS Credit, RBL credit cards are designed to reward cardholders for their everyday spending habits.
RBL Bank credit cards are available on Mastercard, Visa, and RuPay networks, making them widely accepted across India and internationally. RuPay-based RBL cards also support UPI payments — a significant advantage for digital-first users. Whether you're a first-time cardholder looking for a lifetime-free option or a premium banking customer seeking exclusive travel privileges, RBL Bank has a card for you.
At MyBankingTips, you can compare all RBL Bank credit cards side by side, check eligibility in seconds (without CIBIL impact), and apply online through our secure partner link for instant processing.
40+ Card Variants
India's widest range of credit cards from a single bank — covering every need from fuel to premium travel
Rewarding Partners
Exclusive co-branded cards with IndianOil, TVS Credit, Zomato, Practo, and more for category-specific benefits
Multi-Network
Cards on Visa, Mastercard & RuPay — including UPI credit card support for RuPay variants
Best RBL Bank Credit Cards in India 2026
Here are the top RBL Bank credit cards across all categories — with full details on fees, rewards, and who should apply for each card.
RBL Bank Credit Cards Comparison Table
| Card Name |
Annual Fee |
Best For |
Top Reward |
Fee Waiver |
Apply |
| ShopRite Credit Card |
₹500+GST* |
Grocery |
20 pts/₹100 grocery |
₹1.5L spend |
Apply →
|
| IndianOil RBL XTRA Card |
₹1,500+GST |
Fuel |
15 pts/₹100 at IOCL |
₹2.75L spend |
Apply →
|
| IndianOil RBL Credit Card |
₹500+GST |
Fuel |
10 pts/₹100 at IOCL |
₹1.75L spend |
Apply →
|
| Insignia Preferred World Card |
Nil |
Premium |
10 pts/₹100 international |
— |
Apply →
|
| World Safari Card |
₹3,000+GST |
Travel |
Travel insurance + lounge |
— |
Apply →
|
| Cookies Credit Card |
₹100/mo+GST |
Online |
10% Myntra/Uber/Zomato |
— |
Apply →
|
| Practo Plus Credit Card |
₹999+GST |
Health |
HealthCash + lounge 2/qtr |
— |
Apply →
|
| Edition Classic Card |
₹1,000+GST |
Lifestyle |
Zomato Gold + BMS BOGO |
₹2.5L spend |
Apply →
|
How to Apply for an RBL Bank Credit Card Online
Applying for an RBL Bank credit card online through
MyBankingTips is simple, paperless, and takes less than 10 minutes.
Follow these steps:
1
Compare RBL Cards on MyBankingTips
Browse all RBL Bank credit cards listed above. Filter by
category — fuel, grocery, travel, online, or premium — and
compare fees and rewards side by side to find the right match
for your spending habits.
2
Check Your Eligibility Instantly
Enter your income, employment type, and city. This is a
soft check — it does NOT impact your CIBIL
score. Know instantly which RBL cards you pre-qualify for
before applying.
3
Click "Apply Now" and Fill the Form
You'll be directed to RBL Bank's secure application page. Fill
in your personal details — name, date of birth, PAN, mobile
number, and residential address accurately.
4
Upload KYC & Income Documents
Upload your PAN card, Aadhaar card, latest salary slips (past
3 months), and 6-month bank statements digitally.
Self-employed applicants should upload their latest ITR and
business registration proof.
5
Credit Verification & Approval
RBL Bank reviews your application and runs a CIBIL check. Most
applicants with a score above 700 receive in-principle
approval within minutes. RBL Bank may also call for
tele-verification.
6
Receive Your RBL Credit Card
Once approved, your RBL Bank credit card is dispatched within
7–10 working days. You can also download the
RBL MyCard App to manage your card, check
rewards, and pay bills instantly.
💡
Pro Tip: Download the
RBL MyCard App after receiving your card — it's
required for activating certain welcome benefits like the ShopRite
2,000-point welcome bonus. RBL also offers pre-approved cards to
existing account holders — check via net banking for instant
offers.
RBL Bank Credit Card Fees & Charges
A complete breakdown of all standard
RBL Bank credit card charges to help you make an
informed decision before applying:
| Fee / Charge Type |
Amount |
Notes |
| Joining Fee |
₹0 – ₹3,000 + GST |
Varies by card. ShopRite & IndianOil start at ₹500; Insignia
is Nil.
|
| Annual Fee |
₹0 – ₹3,000 + GST |
Many cards offer waiver on meeting annual spend threshold.
|
| Finance Charges (Interest) |
3.5% per month (42% p.a.) |
Charged on revolving balance from the transaction date.
|
| Late Payment Fee |
₹100 – ₹1,300 |
Slab-based: ₹100 (due ≤₹100); up to ₹1,300 (due >₹10,000).
|
| Cash Advance Fee |
2.5% or ₹500 (higher) |
Interest applies immediately; no interest-free period on
cash withdrawals.
|
| Foreign Transaction Fee |
3.5% + GST |
Applicable on all international spends in foreign currency.
|
| Fuel Surcharge |
1% of fuel transaction |
Waived up to ₹100–₹200/month on eligible fuel-category
cards.
|
| Reward Redemption Fee |
₹99 + GST per request |
Charged once per day regardless of number of redemptions
made.
|
| Over-Limit Charge |
2.5% of over-limit amount |
Minimum ₹500; applied when spending exceeds assigned credit
limit.
|
| Card Replacement Fee |
₹100 – ₹250 |
For lost, stolen, or damaged card replacement requests.
|
⚠️
Note: All RBL Bank credit card fees are subject
to 18% GST under current Indian tax law. Reward points are not
earned on fuel, utilities, insurance, government services, EMI
conversions, and Railways transactions. Always read the Most
Important Terms & Conditions (MITC) before applying.
Eligibility Criteria for RBL Bank Credit Cards
Before applying, confirm you meet the standard
RBL Bank credit card eligibility requirements.
Requirements vary slightly between entry-level and premium cards.
Age: 21 – 65 Years
Primary cardholder must be between 21 and 65 years. Add-on
cardholders can be 18 years or above.
Income: ₹15,000+/month
Minimum ₹15,000/month for salaried applicants for entry-level
cards. Premium cards like Insignia require significantly
higher income.
CIBIL Score: 700+
A CIBIL score of 700 or above is recommended. Premium cards
may require 750+. First-time borrowers may qualify for secured
variants.
Residency: Indian Resident
Applicant must be a resident Indian citizen with valid address
proof. RBL cards are not available to NRIs through standard
channels.
Employment: Salaried or Self-employed
Both salaried employees (private/government) and self-employed
professionals/business owners are eligible. Stable income
history of 1+ year preferred.
Documents: PAN + Aadhaar
PAN card and Aadhaar are mandatory for KYC. Income proof
(salary slip or ITR) and address proof are also required for
application processing.
RBL Bank Reward Points Program
RBL Bank's reward points program is managed through
rblrewards.com — a dedicated redemption portal
where cardholders can convert points into travel bookings, shopping
vouchers, merchandise, and more.
✨
Key highlight: Each RBL Bank reward point is
worth ₹0.25 on standard redemption. Fuel points
(on IndianOil cards) are worth ₹0.50 each at IOCL
petrol pumps, making them 2x more valuable when redeemed
correctly.
Reward Earn Rates by Card & Category
| Card |
Category |
Earn Rate |
Max Monthly Cap |
| ShopRite Card |
Grocery spends |
20 pts / ₹100 |
1,000 pts/month |
| ShopRite Card |
All other spends |
1 pt / ₹100 |
Uncapped |
| IndianOil XTRA Card |
IOCL fuel outlets |
15 Fuel pts / ₹100 |
Capped at 250L free fuel/yr |
| IndianOil Standard Card |
IOCL fuel outlets |
10 Fuel pts / ₹100 |
— |
| Insignia World Card |
International spends |
10 pts / ₹100 |
— |
| Insignia World Card |
Domestic spends |
5 pts / ₹100 |
— |
| Cookies Card |
Online spends |
5 pts / ₹100 |
— |
| Cookies Card |
Myntra/Uber/Zomato |
10% cashback |
₹300/month per brand |
⚠️
Exclusions: RBL Bank does NOT award reward points
on fuel (except IndianOil co-branded cards), utilities, insurance,
railways, EMI conversions, and government service transactions. A
redemption fee of ₹99+GST is charged per
redemption day.
Key Benefits of RBL Bank Credit Cards
RBL Bank credit cards offer a wide spectrum of benefits across
categories. Here's a complete overview:
| Benefit |
Details |
Applicable Card(s) |
| Airport Lounge Access |
Priority Pass membership + 6 free international lounge
visits/year; 2 domestic visits/quarter
|
Insignia World Card, World Safari Card, Practo Plus |
| Movie Discounts |
10% off (up to ₹100) on BookMyShow up to 15 times/year; ₹500
off/month (Insignia)
|
ShopRite, Insignia, Edition Classic |
| Fuel Surcharge Waiver |
1% waiver on fuel transactions ₹500–₹4,000; max
₹100–₹200/month
|
All fuel-category and most lifestyle cards |
| Zomato Gold Membership |
Complimentary Zomato Gold dining membership |
Edition Classic Card |
| Golf Privileges |
Complimentary golf rounds + 1 free lesson/month + 50%
discount on green fees
|
Insignia World Card, World Safari Card |
| Health Benefits |
HealthCash rewards, free home sample collection, diagnostic
tests coverage
|
Practo Plus Credit Card |
| UPI Support (RuPay) |
Link card to UPI apps (Google Pay, PhonePe, BHIM) and earn
reward points on UPI spends
|
All RuPay network RBL cards |
| Travel Insurance |
Personal liability, trip delay, baggage loss, passport loss,
and dental coverage
|
World Safari Credit Card |
| Zero Liability |
Zero cardholder liability on fraudulent transactions
reported promptly
|
All RBL Bank credit cards |
| EMI Conversion |
Convert transactions ₹3,000+ into easy monthly installments
at low/zero interest
|
All credit cards |
Smart Tips to Maximise Your RBL Card Benefits
✅ Do These
-
✓Download the
RBL MyCard App immediately after card
activation — many welcome bonuses require app registration
-
✓Use IndianOil XTRA card exclusively at IOCL
pumps — 15X points translates to effectively
₹7.50 back per ₹100 at fuel pumps
-
✓Book BookMyShow tickets via the BMS app and
select the RBL 10% offer — available 15 times a year
-
✓Hit the annual spend milestone to earn bonus
reward points and waive your annual fee
-
✓Redeem Fuel Points at IOCL pumps — each point is
worth ₹0.50 vs ₹0.25 elsewhere
-
✓Pay your bill in full every month to avoid the
3.5%/month finance charge
✗ Avoid These
-
✗Don't use a non-fuel RBL card at petrol pumps —
no points are earned and 1% surcharge applies
-
✗Avoid cash advances — 2.5% fee with zero
interest-free period is very expensive
-
✗Don't use your RBL card for utilities,
insurance, or EMI conversions — no reward points are earned
-
✗Don't accumulate points without redeeming —
remember the ₹99 redemption fee is per day, not per
transaction, so batch your redemptions
-
✗Avoid spending on grocery with a non-ShopRite
card — earn rates are far lower
-
✗Don't ignore the annual spend waiver — a small
extra spend can save you ₹500–₹1,500 in annual fees
🎯
Expert Pick: The best combo for most RBL users is
the ShopRite Card (for grocery + movies) paired
with the IndianOil XTRA Card (for fuel). Both
have low fees, easy waiver thresholds, and targeted high-reward
categories — covering the two most common everyday expense buckets
for Indian households.
Frequently Asked Questions - RBL Bank Credit Cards
Which is the best RBL Bank credit card for beginners?
The RBL Bank ShopRite Credit Card is the best
entry-level option. It has a low annual fee of ₹500 (waived on
₹1.5L annual spend), a 2,000-point welcome bonus, 20 reward
points per ₹100 on groceries (5% value back), and 10% discounts
on BookMyShow 15 times a year. Available on Visa, Mastercard,
and RuPay — making it ideal for first-time cardholders who shop
regularly for groceries and watch movies.
Is the RBL ShopRite credit card truly lifetime free?
The ShopRite card is available as a lifetime-free card on
certain channels (such as BankBazaar), but the standard version
carries an annual fee of ₹500+GST. This fee is waived if you
spend ₹1.5 lakh or more in the previous membership year. Through
select partner platforms, it may be issued with no annual fee
from Day 1. Always confirm the fee structure at the time of your
application.
Can I use my RBL credit card for UPI payments?
Yes — RBL Bank credit cards issued on the
RuPay network support UPI payments. You can
link your RuPay RBL credit card to apps like Google Pay,
PhonePe, and BHIM to make UPI payments and still earn reward
points on those transactions. This is a significant benefit over
Visa and Mastercard RBL cards, which do not support UPI credit
card payments currently.
How do I redeem RBL Bank reward points?
Redeem your RBL reward points by visiting
rblrewards.com. Log in with your credentials
and choose from categories including travel (flights, hotels),
shopping vouchers (Amazon, Flipkart), merchandise, or statement
credit. Each reward point is worth ₹0.25 on standard redemption.
A redemption fee of ₹99+GST is charged once per
redemption day, regardless of how many redemptions you make in
that session. IndianOil Fuel Points are redeemable at IOCL pumps
at ₹0.50 per point.
What is the interest rate on RBL Bank credit cards?
RBL Bank charges a finance charge of
3.5% per month (42% per annum) on revolving
credit card balances. Cash advances also attract this rate from
the date of withdrawal, with no interest-free period. Late
payment fees range from ₹100 to ₹1,300 based on the total amount
due. Paying your full outstanding balance by the due date every
month eliminates all interest charges.
How do I get the IndianOil RBL Bank XTRA card's fuel
benefits?
Simply use the IndianOil RBL Bank XTRA credit card at any
IndianOil (IOCL) petrol pump to earn 15 Fuel Points per ₹100
spent. These points are redeemable at IOCL outlets at ₹0.50 per
point — effectively giving you 7.5% value back on fuel. The card
also offers a 1% fuel surcharge waiver (up to ₹200/month) on
transactions between ₹500 and ₹4,000. Quarterly spends of
₹75,000 unlock a bonus of 1,000 Fuel Points.
How do I report a lost RBL Bank credit card?
Report a lost or stolen RBL credit card immediately by calling
the
24-hour toll-free helpline: 1800 121 9050 to
block the card. You can also block your card instantly via the
RBL MyCard App under Card Controls. Send a follow-up email to
customercare@rblbank.com for written confirmation. RBL Bank's
zero-liability policy protects you from unauthorized
transactions reported promptly after card loss.
Best RBL Credit Cards for Rewards
IndianOil RBL Bank XTRA Credit Card
Joining Fee: ₹1500
⛽ Fuel 🏆 Reward
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What Our Readers Say About RBL Cards
★★★★★
"The IndianOil XTRA card saves me around ₹800 a month on fuel
alone. 15X points at IOCL is unbeatable — MyBankingTips helped
me compare and apply in under 10 minutes!"
R
Rahul Verma
Sales Executive, Jaipur
★★★★★
"ShopRite card is perfect for someone like me who spends a lot
on groceries and Big Bazaar. 5% value back on grocery +
BookMyShow discount — the annual fee practically pays for
itself."
S
Sneha Patel
Homemaker, Ahmedabad
★★★★★
"Got the Insignia World Card through my RBL Preferred Banking
relationship. The Priority Pass lounge access alone is worth
₹15,000 a year. Highly recommend MyBankingTips for their
detailed comparison."
A
Arjun Mehta
Business Owner, Mumbai
⚠️ Disclaimer
MyBankingTips is a loan aggregator authorized to
provide services on behalf of its partners. RBL Bank credit card
features, fees, interest rates, and reward programs mentioned on
this page are indicative and subject to change at RBL Bank's
discretion. All credit card applications and approvals are subject
to RBL Bank's terms and the applicant's creditworthiness.
MyBankingTips does not guarantee approval of any application. Please
read the Most Important Terms & Conditions (MITC) document carefully
before applying. This content is for educational and informational
purposes only and does not constitute financial advice.