SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, low forex, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on travel purchases.
Where value may drop
Fuel don't earn rewards.
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 |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 3,000 |
| 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 Travel Purchases
5 Reward Points / Rs 100 spent
Best for airport lounge access
10 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 0% 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 want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Travel purchases | 5 Reward Points / Rs 100 spent |
| Domestic retail spends | 2 Reward Points / Rs 100 spent |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| MakeMyTrip | Travel bookings | 1 point = Rs 0.25 |
| Taj Experiences | Hotel voucher (milestone reward) | 1 point = Rs 0.25 |
| Amazon | Amazon Pay / Gift voucher (milestone reward) | 1 point = Rs 0.25 |
| Croma | Gift voucher (milestone reward) | 1 point = Rs 0.25 |
| Myntra | Gift voucher (milestone reward) | 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
- 2 complimentary visits per calendar year via Priority Pass
- 1 additional spend-based lounge visit per quarter on spending ₹50,000 or more in a calendar quarter
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Cash advance transactions
- International transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Zero forex markup on international transactions
- Complimentary Priority Pass membership
- 4 complimentary rounds of golf and 1 golf lesson per month
Additional details
- Redemption fee of ₹99 + GST applies per redemption request via the RBL Rewards portal.
- 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 (rblrewards.rbl.bank.in) at Rs 0.25 per point.
- Fuel surcharge waiver of 1% at all fuel stations for transactions between ₹500 and ₹4,000 (Max waiver ₹250/month).
- International transactions do not earn reward points (zero forex markup still applies).
Eligibility
Check this before you apply.
Salaried
- Minimum age: 21 years, Maximum age: 70 years
- Stable income source with monthly salary 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.