SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for dining, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on dining spends on weekends.
Where value may drop
Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 9,600 |
| International spends | Rs 5,000 | 12,000 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Dining Spends On Weekends
20 Reward Points / Rs 100 spent
Best for airport lounge access
8 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Dining spends on weekends | 20 Reward Points / Rs 100 spent | 2,000 reward points |
| International spends | 20 Reward Points / Rs 100 spent | 2,000 reward points |
| Other eligible retail spends (including weekday dining) | 2 Reward Points / Rs 100 spent | - |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Shopping, lifestyle & brand gift vouchers | 1 point = Rs 0.25 |
| MakeMyTrip / Travel | Flight & hotel bookings via RBL Rewards portal | 1 point = Rs 0.25 |
| Merchandise | Electronics, apparel & catalogue products | 1 point = Rs 0.25 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 2 complimentary visits per quarter, unlocked by spending ₹35,000 or more in the previous calendar quarter
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Utility bill payments
- Insurance spends
- Rent and real estate payments
- Education payments
- Wallet loading
- Government services spends
- EMI transactions
- Cash advance transactions
- Railways spends
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Welcome benefit of 20,000 Reward Points upon card activation and payment of joining fee
- Buy 1 Get 1 free movie ticket on BookMyShow up to ₹200, twice a month
- Complimentary golf rounds and discount on green fees at select golf courses in India
Additional details
- Redemption fee of ₹99 + GST applies per redemption request via the RBL Rewards portal (rblrewards.rbl.bank.in).
- Reward points cannot be redeemed as statement credit against the card bill.
- No direct airline miles transfer — points are redeemed for travel bookings and vouchers through the RBL Rewards portal at Rs 0.25 per point.
- Fuel surcharge waiver of 1% at all fuel stations for transactions between ₹500 and ₹4,000 (Max waiver ₹150/month).
- Concierge services including golf course referrals, car rentals, and hotel bookings.
Eligibility
Check this before you apply.
Salaried
- Minimum age: 21 years, Maximum age: 70 years
- Stable income source meeting bank criteria
Self-employed
- Minimum age: 21 years, Maximum age: 70 years
- Stable business income meeting bank criteria
Compare before you decide
Alternatives based on what you might want instead.
RBL Bank World Max Credit Card
Best for dining, travel, lounge.
Standard Chartered Beyond Credit Card
Best for priority banking, travel, lounge.
HDFC Bank Diners Club Black Metal Edition Credit Card
Best for premium travel, lounge, smartbuy.