RBL Bank MoneyBack Credit Card
Maximum cashback on everyday spends
Annual Fee
ā¹2,999
Cashback Rate
8% Categories
Lounge Access
6 Visits/Year
Key Features & Benefits
8% on Dining
8% cashback on restaurant and food delivery spends
8% on Groceries
8% cashback on grocery and supermarket purchases
Airport Lounge
6 complimentary domestic airport lounge visits
Fuel Benefits
1% fuel surcharge waiver at all petrol pumps
Digital Rewards
Enhanced cashback on online transactions
Entertainment
Discounts on movie tickets and entertainment
Cashback Structure
| Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Dining & Food Delivery | 8% | ā¹500 |
| Groceries & Supermarkets | 8% | ā¹500 |
| Online Shopping | 2% | ā¹200 |
| All Other Spends | 1% | ā¹300 |
Cashback Credit: Monthly statement credit
Minimum Cashback: ā¹500 per statement
Maximum Cashback: ā¹1,500 per month
Fees & Charges
Annual Fee
ā¹2,999
Joining Fee
ā¹2,999
Fee Waiver
On ā¹2,00,000 annual spends
Interest Rate
3.65% per month
Cash Advance Fee
2.5% (Min ā¹500)
Foreign Currency Markup
3.5%
Eligibility Criteria
Requirements
- Age: 21-65 years
- Minimum Income: ā¹35,000 per month (Salaried)
- Minimum Income: ā¹4,00,000 per annum (Self-employed)
- Credit Score: 700+ (preferred)
- Good credit history
- Stable employment
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (Aadhaar/Utility Bill)
- Income Proof (Salary slips/ITR)
- Bank Statements (3 months)
- Employment verification
- Recent photographs
Pros & Cons
ā Pros
- Excellent dining cashback (8%)
- High grocery rewards (8%)
- Airport lounge access (6 visits)
- Fuel surcharge waiver
- Good reward caps
- RBL bank privileges
- Entertainment benefits
ā Cons
- High annual fee (ā¹2,999)
- High fee waiver threshold
- Monthly cashback caps
- Limited lounge visits
- High minimum redemption
- Category-specific rewards only
Apply for RBL Bank MoneyBack Credit Card
Perfect For
- ā Food and dining enthusiasts
- ā Grocery shoppers
- ā High spenders
- ā Cashback seekers
- ā Airport travelers