SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for grocery, movies, and fuel.
Why it can work
It combines accelerated rewards on grocery spends and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1.5 lakh of annual spend. Wallet loads 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.
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 |
|---|---|---|
| Groceries | Rs 5,000 | 12,000 |
| Other spends | Rs 8,000 | 960 |
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 Grocery Spends
20 Reward Points / Rs 100 spent
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
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 |
|---|---|---|
| Grocery spends | 20 Reward Points / Rs 100 spent | 1,000 reward points |
| Other eligible retail spends | 1 Reward Point / 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.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Cash advance transactions
- EMI transactions
- E-wallet loading transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 10% discount on movie tickets on BookMyShow up to ₹100 per transaction, up to 15 times a calendar year
- Welcome benefit of 2,000 Reward Points upon card activation and payment of joining fee
Additional details
- Redemption fee of ₹99 + GST applies per redemption request via the RBL Rewards portal (rblrewards.rbl.bank.in).
- Fuel surcharge waiver of 1% at all fuel stations for transactions between ₹500 and ₹4,000 (Max waiver ₹100/month).
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.