What is the annual fee for RBL Bank credit cards?

The annual fees on RBL Bank credit cards will vary depending on what type of credit card you have. Higher-tier cards will include higher fees than basic credit cards. Some credit cards may enable you to have the annual fee waived if you reach specific annual spending targets. .

Are there any waivers for annual fees on RBL Bank credit cards?

Yes, many credit cards will waive the annual fee if you meet certain annual spending thresholds. The specific thresholds will vary depending on the credit card that you hold. .

Do RBL Bank credit cards have monthly maintenance fees?

Some RBL Bank Credit Cards will include a small monthly maintenance fee. However, if you spend a certain amount each month, most credit cards will waive this fee. .

Is there a fee for add-on credit cards issued to family members?

Yes, there will be a fee associated with add-on cards issued to family members. This fee will also vary depending on what type of credit card the primary cardholder has. .

Are Interest Rates charged on RBL Bank Credit Cards?

Yes, credit cardholders pay interest on the outstanding balance of their credit card(s) and cash advances. Interest typically accrues at 3.99% per month (approximately 47.88% annually). .

Are there fees for cash advances or late payments?

Yes. When you withdraw cash, you will incur a fee based on a percentage of the amount withdrawn (with a minimum fee), and in the event that you do not make your payment by the due date, you will incur a fee based on a percentage of the remaining balance, capped at a maximum fee limit. .

Are there additional fees for fuel and utility payments?

Yes, fuel payments may have a surcharge, and utility payments can incur extra charges if they exceed a set monthly amount. .

Will a transaction in a foreign currency or through an international merchant incur a fee?

International companies or foreign currency transactions will generally include a markup of some percentage depending on the card type. .

Is there a fee for redeeming rewards points?

Some reward points may have an associated small fee and will have GST fees applied. Some Premium Cards will generally be exempt from these fees. .

Are there fees on other special transaction types, for example, education payments or FASTag?

For FASTag recharge transactions, some toll operators will add an additional fee, and education fee payments made through certain third-party applications can incur additional charges. POS with direct payment and official website payments are usually exempt from additional fees. .

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RBL Bank Credit Card Fees and Charges

RBL Bank has a wide range of credit card choices. Each different credit card has its own costs associated with buying or using them. There is more to consider than just reward programs and associated product benefits in respect to selecting the best card for yourself.

Updated On - 15 Feb 2026

You must also take into account any fees or other charges that accompany selecting a credit card product. It is a good practice to understand exactly what fees or charges to expect from your credit card with RBL Bank so you can plan your finances well.

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Types of charges and fees on RBL Banks Credit Cards

When it comes to RBL Banks credit card fees or charges, the following are the major groups:

Annual Fees or Membership Fees: Monthly or annual fees for having a credit card, normally waived for customers who have high levels of spending or for certain types of clients.

Finance Charges (Interest): Interest that accumulates during the period of time unpaid, from your cash advance, and late fees incurred.

Transaction Distributed Charges: Charges for some types of transactions, including those incurred during purchasing gasoline, making international purchases, making utility payments, making an EMI payment (i.e. Equal Monthly Installments), renting products, making educational payments, and using your FASTag.

Other Fees: Fees associated with a cheque being dishonoured, legal fees, and GST.

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Membership / Annual Fees for RBL Bank Credit Cards

This table provides a detailed overview of annual membership fees for all RBL Bank credit card variants. It includes the first-year fee, subsequent year fee, and details of any fee waivers based on annual spends or banking relationships:

Credit Card Variant	Annual Fee (1st Year)	Annual Fee (2nd Year onwards) / Waivers
Lumière™ Credit Card	Rs.50,000	Rs.50,000
Nova™ Credit Card	Rs.12,500	Rs.12,500, waived on eligible annual spends of Rs.10 lakh or more
Insignia Preferred Banking	NIL for Insignia Preferred Banking Customers	NIL for Insignia Preferred Banking Customers
iGlobe	NIL for Insignia Preferred Banking Customers	NIL for Insignia Preferred Banking Customers; Rs.3,000 otherwise
Icon	Rs.5,000	Rs.5,000
World Safari	Rs.3,000	Rs.3,000
World Safari Lite	Rs.1,000	Rs.1,000
World Safari Plus	Rs.6,000	Rs.6,000
RBL Bank Black Credit Card (erstwhile MoneyTap Black)	Rs.3,000	Rs.3,000
RBL Bank Blockbuster Credit Card	Rs.3,000	Rs.3,000
Platinum Maxima	Rs.2,000	Rs.2,000
Platinum Maxima Plus	Rs.2,500	Rs.2,500
RBL Bank Popcorn Credit Card	Rs.1,000	Rs.1,000
RBL Bank Movies & More Credit Card	Rs.1,000	Rs.1,000, waived on annual spends ≥ Rs.1.5 lakh
Platinum Delight	Rs.1,000	Rs.1,000, waived on annual spends ≥ Rs.2 lakh
Titanium Delight	Rs.750	Rs.750, waived on annual spends ≥ Rs.1.5 lakh
Cookies (issued before May 10, 2021)	Rs.500	Rs.500
RBL Bank Paisabazaar Duet Credit Card	NIL	NIL
RBL Bank Paisabazaar Duet Credit Card (earlier Paisa on Demand, issued before Sep 10, 2021)	Rs.500	Rs.500
Shoprite	Rs.500	Rs.500, waived on annual spends ≥ Rs.1.5 lakh
RBL Bank Fun+ Credit Card	Rs.499	Rs.499, waived on annual spends ≥ Rs.1.5 lakh
RBL Bank Credit Card (erstwhile MoneyTap)	Rs.499	Rs.499, waived on annual spends ≥ Rs.2 lakh
RBL Bank BankBazaar SaveMax Credit Card	NIL	NIL
RBL Bank BankBazaar SaveMax Pro Credit Card	Rs.1,499	Rs.1,499
RBL Bank Paisabazaar Duet Plus Credit Card	Rs.1,499	Rs.1,499
RBL Bank Play Credit Card	Rs.500	Rs.500, waived on annual spends ≥ Rs.1.5 lakh
RBL Bank Lazypay Credit Card	NIL	NIL
RBL Bank Patanjali Swarn Credit Card	Rs.1,499	Rs.1,499
RBL Bank Patanjali Vishisht Credit Card	Rs.499	Rs.499, waived on annual spends ≥ Rs.1.5 lakh
RBL Bank IRCTC Credit Card	Rs.500	Rs.500
RBL Bank DMI Finance Credit Card	Rs.499	Rs.499
RBL Bank IndianOil Credit Card	Rs.500	Rs.500, waived on annual spends ≥ Rs.1.75 lakh
RBL Bank IndianOil XTRA Credit Card	Rs.1,500	Rs.1,500, waived on annual spends ≥ Rs.2.75 lakh
RBL Bank SalarySe UP Credit Card	Rs.499	Rs.499, waived on previous year annual spends ≥ Rs.2 lakh
QuickPay	Rs.99	Rs.99
RBL Bank TVS Gold Credit Card	Rs.1,500	Rs.1,500
RBL Bank TVS Credit Card	Rs.500	Rs.500
Platinum Classic	Rs.499	Rs.499
Platinum Choice	Rs.499	Rs.499
Platinum Advantage	Rs.499	Rs.499
Platinum ValuePlus	Rs.499	Rs.499
Platinum ShopSmart	Rs.499	Rs.499
Platinum ShopDaily	Rs.499	Rs.499
Platinum Bonus	Rs.999	Rs.999
Platinum Plus	Rs.999	Rs.999
Platinum ShopGain	Rs.1,499	Rs.1,499
Platinum TravelEasy	Rs.999	Rs.999
Platinum Max	Rs.999	Rs.999
Platinum Prime	Rs.999	Rs.999
RBL Bank Binge Credit Card	Rs.999	Rs.999
Platinum Edge	Rs.1,999	Rs.1,999
Platinum LifeEasy	Rs.1,999	Rs.1,999
World Max	Rs.2,999	Rs.2,999
World Prime	Rs.2,999	Rs.2,999
World Select	Rs.2,999	Rs.2,999
World Plus	Rs.4,999	Rs.4,999
EasySaver	Rs.499	Rs.499
MyFirst	Rs.999	Rs.999
World Xclusive	NIL	NIL
Apex	Rs.1,000 (NIL if new savings account opened)	Rs.1,000 (NIL if new savings account opened)
Signature Banking	NIL for Signature Banking Customers	NIL for Signature Banking Customers
Aspire Banking	NIL for Aspire Banking Customers	NIL for Aspire Banking Customers

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Monthly, Add-on, and Finance Charges

The following table summarizes the recurring fees associated with holding an RBL Bank credit card, including monthly maintenance, add-on card fees, and interest charges:

Particulars / Type of Charge	Fee / Charge	Details / Notes / Waivers
Monthly Treats Card Fee	Rs.100 per month	This monthly fee is charged to maintain the Monthly Treats credit card. The fee is automatically waived if the cardholder spends Rs.5,000 or more in the previous month.
Cookies Card Fee (issued after May 10, 2021)	Rs.100 per month	Monthly maintenance fee applicable for Cookies cards issued after May 10, 2021. Fee waived on eligible monthly spends of Rs.5,000 or more.
Add-on Card Fee	Rs.0–5,000 per add-on cardmember	Charged for issuing additional cards to family members linked to the primary cardholder’s account. The fee varies depending on the type of primary card.
Finance Charges – Revolving Credit & Cash Advances	Up to 3.99% per month (47.88% per year)	Interest is levied on any outstanding balance that is not paid by the due date, including both purchases and cash advances. The higher your unpaid balance, the higher the finance charges.
Cash Advance Fee	2.5% of cash amount	Applies to cash withdrawals using your credit card. A minimum fee of Rs.500 is charged per transaction regardless of the amount withdrawn.
Late Payment Fee	12.5% of outstanding balance	Charged if the cardholder fails to pay at least the minimum due by the due date. The fee has a minimum of Rs.5 and a maximum of Rs.1,300 per billing cycle.
Overlimit Fee	NIL	There are no additional charges if the cardholder exceeds their approved credit limit. Interest on the exceeded amount may still apply if unpaid.

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Transaction-Linked and Other Charges

The detailed fees linked to specific types of card usage, including purchases, fuel, utilities are listed below:

Particulars / Type of Charge	Fee / Charge	Details / Notes / Waivers
Cash Payment at RBL Bank Branches	Rs.100 per transaction	Fee charged for depositing cash at RBL Bank branches using your credit card. Applies to each cash deposit transaction.
IRCTC Ticket Purchase / Cancellation	IRCTC service charges + up to 1.8% payment gateway fees	Charges apply when purchasing or cancelling railway tickets through IRCTC using the credit card. Exact fee depends on ticket value and IRCTC service charges.
Fuel Transactions at Petrol Pumps in India	1% of transaction value or Rs.10, whichever is higher	Surcharge applies on fuel purchases made using the card. Charges depend on the merchant bank and are applicable to all petrol pumps in India.
Foreign Currency / International Transactions	Up to 3.5% markup	A markup fee applies for all transactions made in foreign currency or at international merchants. Specific card rates: 1.5% on Insignia, iGlobe, World Xclusive; 2% on Nova™; 0% on Lumière™, World Safari, World Safari Lite, World Safari Plus.
Reward Redemption Fee	Rs.99 + GST	Applicable when redeeming reward points earned on all credit cards. Certain premium cards such as Lumière™, Nova™, Insignia, Insignia Prime, and World Xclusive are exempt from this fee.
Merchant EMI Processing Fee	1.5% of transaction or Rs.150, whichever is higher	Charged whenever a purchase is converted into EMI at the time of transaction through merchant outlets, websites, or apps.
Rental Transactions	1% of transaction amount	Applies to rental payments made using the credit card at merchants classified under rental category.
Fuel & Auto Transactions exceeding Rs.10,000	1% per transaction	Applicable only for transactions above Rs.10,000. Maximum fee per transaction is capped at Rs.3,000.
Education Payments via Select Merchants	1%	Applies on education-related payments through third-party apps such as Cred, PhonePe, Paytm, Mobikwik, Nobroker, and otheRs.Payments made directly via the school or college POS or website are exempt.
Cheque Return / Dishonour Fee	Rs.500	Charged when an auto-debit from the linked bank account fails due to insufficient funds. Applies to all RBL Bank credit cards.
Utility Payments exceeding Rs.50,000 per month	1%	Applied for high-value utility transactions per card per month.
Legal Fees	Variable	In the event of default and initiation of legal proceedings, the cardholder is liable to pay all legal costs incurred by the bank, including court fees, advocate fees, and other related expenses.
FASTag Loading & Toll Payments	1%	Fee applies to FASTag recharges or toll payments exceeding Rs.10,000 per transaction per card.

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FAQs on RBL Bank Credit Card Fees and Charges

What is the annual fee for RBL Bank credit cards?
The annual fees on RBL Bank credit cards will vary depending on what type of credit card you have. Higher-tier cards will include higher fees than basic credit cards. Some credit cards may enable you to have the annual fee waived if you reach specific annual spending targets.
Are there any waivers for annual fees on RBL Bank credit cards?
Yes, many credit cards will waive the annual fee if you meet certain annual spending thresholds. The specific thresholds will vary depending on the credit card that you hold.
Do RBL Bank credit cards have monthly maintenance fees?
Some RBL Bank Credit Cards will include a small monthly maintenance fee. However, if you spend a certain amount each month, most credit cards will waive this fee.
Is there a fee for add-on credit cards issued to family members?
Yes, there will be a fee associated with add-on cards issued to family members. This fee will also vary depending on what type of credit card the primary cardholder has.
Are Interest Rates charged on RBL Bank Credit Cards?
Yes, credit cardholders pay interest on the outstanding balance of their credit card(s) and cash advances. Interest typically accrues at 3.99% per month (approximately 47.88% annually).
Are there fees for cash advances or late payments?
Yes. When you withdraw cash, you will incur a fee based on a percentage of the amount withdrawn (with a minimum fee), and in the event that you do not make your payment by the due date, you will incur a fee based on a percentage of the remaining balance, capped at a maximum fee limit.
Are there additional fees for fuel and utility payments?
Yes, fuel payments may have a surcharge, and utility payments can incur extra charges if they exceed a set monthly amount.
Will a transaction in a foreign currency or through an international merchant incur a fee?
International companies or foreign currency transactions will generally include a markup of some percentage depending on the card type.
Is there a fee for redeeming rewards points?
Some reward points may have an associated small fee and will have GST fees applied. Some Premium Cards will generally be exempt from these fees.
Are there fees on other special transaction types, for example, education payments or FASTag?
For FASTag recharge transactions, some toll operators will add an additional fee, and education fee payments made through certain third-party applications can incur additional charges. POS with direct payment and official website payments are usually exempt from additional fees.

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